vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-09 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: ONEMAIN FINANCE CORPORATION
State: CA

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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, 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 non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I received a promo from Citibank to get {$500.00} bonus to open a new checking and savings account. I opened both accounts in XX/XX/XXXX and deposited {$15000.00} to the new accounts and set up the direct deposit to meet the requirement to receive the bonus. Three months later, Citibank sent me a letter that my accounts will be closed on XX/XX/2020 without reason. Instead of giving me {$500.00} bonus after I met all the requirement, they just simply close my accounts.

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 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: FL

Complaint narrative:
I switched cell phone carriers early XXXX from XXXX to XXXX  some Month later XXXX came back with a residual amount of XXXX I disputed this amount and asked for quantification after reviewing the info I paid the residual amount XXXX on XX/XX/XXXX. 
I have spoken to the collection agency on XX/XX/XXXX and asked why am I being harassed over this matter since it has been resolved. XXXX the supervisor assured me that this is resolved but I am still receiving phone calls both at home and on my cell phone I have received 17 calls from them between XX/XX/XXXX thru XX/XX/XXXX many of which are hang ups or with know one answering.

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 2020-01-09 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 — Investigation took more than 30 days
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30days and i have not received any investigations results.

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 2020-01-09 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
In XX/XX/2019, I was threatened by Navient with litigation in regards to past due student loans. I had been unable to pay as I became XXXX on XX/XX/2019 up to present day. I have not qualified for XXXX insurance benefits. Navient was informed of this but still said my only option was to enroll in the same rate reduction program that I had been in before in order to drop litigation. My payments were only reduced to {$490.00} monthly, there was no option for forbearance or deferral offered to me, I was only allowed to split the payment biweekly to {$240.00}. A customer service representative and manager spoke to me regarding the loans and told me that by agreeing I would be brought current on my loans after the last XXXX payment. I agreed to the amount and have struggled to make the automatic payments that they required. However, I have still received multiple emails saying that my payments are past due. I called today to report this and I was told -- by supposedly the same representative that enrolled me XXXX -- that my payments would be brought current after XXXX and is still being reported as past due, even though I am current in the program. I'm also still being charged late fees that are not being paid as part of my automatic payments and instead are rolled into the loans ' capitalized interest and principal balance. Please investigate these business practices as they seem to be unfair, unethical, and very restrictive to the borrower. Also, within this program, Navient seems to be making money off of fees as they force borrowers who are struggling to pay to enroll in order to become " current '' on loan payments. The interest increases long term and is capitalized into the principal. In the period between enrolling in this program and becoming " current, '' the borrower must make automatic payments but is still being charged late fees. Please investigate these business practices and please resolve this payment issue with Navient.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
This is not my debt, it belongs to my husband of whom Im separated from. I have told this company a million times to stop calling me all day and allnight while Im at work. I do not know where he is located and they need to call him not me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
An account was fraudulently opened in my name in XXXX at Bank Of America sometime several years ago. I however I live in XXXX and did not open this account.In fact at the time the account was opened Bank Of America did not even have a retail branch in Minnesota. 
I have been trying to resolve this with Bank of America directly. A claim was Filed on XXXX XXXX. 
Since the filing of the claim I have had the following contact : XXXX XXXX -- XXXX XXXX XXXX -- -XXXX XXXX XXXX -- Ms XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX people XX/XX/XXXX -- Multiple people Each of the contacts indicated that the issue will be resolved. Its been 4 months and this is affecting my ability to open a joint account with my husband and affects my credit

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 2020-01-09 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ERC
State: NE

Complaint narrative:
I've been working with this account for awhile and everything was going good as i am on a credit payment plan. I was almost a XXXX on my score. I noticed i dropped 36 points. This company Enhanced Recocovery Company has not tried to reach me nor call me when they have my updated information. All was being paid by another collection agency. I feel like i am back to square one.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
In XX/XX/2018, I contacted Citi to request a " product change '' from their Citi Thank You Preferred card to their Citi Double Cash card. After the call center representative completed the product change request, she notified me that I had 60 days in which to redeem XXXX Citi Thank You points, otherwise they would expire. I then proceeded to the website for the Citi Thank You points program : www.thankyou.com in order to redeem said points. Immediately upon login, I noticed a bright, attention-grabbing banner across the page that communicated a message to the effect of, " Notice : You have XXXX Thank You points expiring in 60 days. '' This written message gave me the confidence that the call center representative correctly stated that the amount of points expiring in 60 days was XXXX. Because Citi requires points to be transferred in 1,000 point increments, I then proceeded to transfer XXXX points out of the program in order to prevent their expiration. However, 60 days later, I noticed that my total Thank You points balanced had dropped by more than 120,000 ( beyond the XXXX I transferred out ) without any notification whatsoever. The only reason I immediately discovered it is because I was alerted to it by a third party point monitoring service I use ( XXXX ). I have since opened three separate and distinct research cases with Citi to restore the points they have removed due to Bank Error, however, each and every time they close the case stating that expired points can not be restored.

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 2020-01-09 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: DISCOVER BANK
State: SC

Complaint narrative:
discover financial is constantly reporting incorrect information to my credit file. they are trying to ruin my credit because i am an XXXX american. they have XXXX  fraud protection agents that constantly call my phone and refuse to identify themselves. i have asked them to remove this account and they refuse. I am going to hire A lawyer and sue the company. Please remove this account off my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Complaint XXXX ; Chrysler Capital responded to my complaint however the problem still remains they attached a copy of the contract however which did not state that the loan would not be re-amortized after GAP by not doing so they changed the date of payoff as set forth in the original contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
The last 2 modification where not received I had an authorized representative BECUSE I was out of the USA at the time he is a licensed realtor he wrote a letter saying he did not receive the XX/XX/XXXX dated modification before it expired with a 14 day requirement to accept. ( Turns out the Bank mistakenly mailed the mod. Offer to the wrong address not the representative. The second Modification dated XX/XX/XXXX was not mailed UNTILL for 39 days after the date of the offer. It had a 14 day requirement to accept but was not received at my representative office UNTILL well after it expired on XX/XX/XXXX. Even after the first due date of The trial payment The bank is now forgetting the correct history of the 2 errores and now saying I must pay in full or have Forclosure on XX/XX/XXXX. 
This is there fault. They say that can only offer 2 mods in 1 year. But both offers expired before we received them. My representative has put this in writing so have I. I need ti bank to accept my new application - also the bank continues to have an active sales date during the application process, appeal time and even after an approved offer This is in violation of Dual Tracking Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: SC

Complaint narrative:
My father passed away XX/XX/XXXX and as Successor Trustee of the Living Trust the asset is held in, I contacted the reverse mortgage company in writing on XX/XX/XXXX of my intent to sell the property to pay them off. The communication was sent to the email address they provided, and I received an automated confirmation they received it. I inquired with them to determine how much my father owed but they would not speak to me until they received the required paperwork in the XX/XX/XXXX communication. I called on several occasions only to be told the paperwork was under review but that it has not been completed yet, so they were still unable to tell me how much my father owed them. After several weeks, one of the clerks form the company told me they never received my paperwork sent to them on XX/XX/XXXX and gave me another " expedited '' email address to send it to. I resent the information on XX/XX/XXXX and that clerk did remain on the line with me to confirm it was received. 

Upon obtaining an offer to purchase the home, a payoff request was sent to the company in accordance with their instructions. Their internal policies require a 7-10 business day turnaround time upon receiving a written authorization to quote a payoff. They received said written request on XX/XX/XXXX. Multiple calls to the company confirmed receipt but that they will not quote the payoff, and had until XX/XX/XXXX to do so, which is 11 business days from the XXXX ... Today is XX/XX/XXXX and after not having received the payoff quote, they were contacted but advised that they " never processed that request. '' First, we were told they never received the request, which appears to be standard operating procedure in the first response customers are given. It was only with persistence and demanding they review again that they found it being received on the XXXX. 

I have had to delay the closing on the sale of the property solely due to their lack of submitting the payoff to us in a timely manner and it appears I may have to do it again. 

I believe the delay in my loan closing and payoff of the debt with this company should not cost me any additional interest or fees that the company will tack onto the loan since it is their gross negligence that causes these delays. 

It is apparent that the company intentionally drags out these processes to earn more and more income off of their clients. Further, I believe the company operates under standard practices that are unfair and deceptive in that they intentionally make it difficult for their clients to do business with them when they are faced with a client wanting to satisfy a debt. 

I am in the XXXX industry, XXXX  specifically, and I am disgusted by the lack of regulation on these companies when other XXXX  industries are hammered by regulation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: SYNCHRONY FINANCIAL
State: AZ

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 Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, 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 2020-01-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I had contacted my Lender multiple times recently about the recent appraisal. I had faxed over the enclosed PDF about the latest appraisal report. I had spoken to someone at my lender 's PMI department but they would not accept another party ordering and want me to pay my own higher costs to them to submit to XXXX XXXX. I then contacted XXXX XXXX right away yesterday and have a case pending, number is 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 explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: OH

Complaint narrative:
XXXX XXXX account in 2011. They sent me letters saying they will garnish my wages and im being sued. I have sent out letters to dispute account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC sent me a flyer advertising that if I opened a new checking account and made direct deposits, they would give a {$500.00} new-account bonus. I opened the account and made the direct deposits. I chatted with representatives on more than one occasion, and they told me the direct deposits qualified me for the bonus. 

After several months, no bonus was paid. After chatting again, I was told they couldn't find the {$500.00} bonus promotion, but they had a {$300.00} bonus promotion, and I still qualified. After another couple months with no bonus, I chatted with PNC to find out what happened, and they tell me I don't qualify for the bonus because I didn't have the right kind of direct deposit. 

This is infuriating. I could have made other direct deposits if they told me previously that my direct deposit was not the right type. I asked EXPLICITLY about this, and the entire conversation was documented in their customer-service chat logs.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 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: FL

Complaint narrative:
My information has been compromised and I believe it is from the XXXX data breach. Multiple accounts have been opened under my name without my consent and now my credit took a huge hit because of it. I am someone who always pays their bills on time no matter what and this has caused me huge setback in my financial life because I had plans on purchasing my first home and now I can not due to credit rating. Please help me get this corrected thank you in advance.

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 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
he credit bureaus are reporting inaccurate/outdated/incomplete personal information.

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 2020-01-09 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: NY

Complaint narrative:
HI, I AM XXXX XXXX HOMEOWNER XXXX XXXX XXXX XXXX XXXX NY XXXX HAVE : SATISFACTION OF MORTGAGE DOC. ID XXXX XXXX AND PRINCIPAL {$50000.00} MORTGAGE made by XXXX XXXX I HAVE DEED XXXX date ; XX/XX/XXXX XX/XX/XXXX I send shellpoint mortgage servicing {$6500.00} check number XXXX XX/XX/XXXX I SEND {$5000.00} FROM XXXX COMMISSIONER OF SOCIAL SERVICES TO ESCROW # XXXX in SHELLPOINT Mortgage Servicing tel ( XXXX ) XXXX I NEED MY MOHEY BACK AND MY RESIDENTION HOUSE XXXX XXXX XXXX  XXXX XX/XX/XXXX Shellpoint Mortgage Servicing sell my house to XXXX XXXX Address : XXXX XXXX XXXX XXXX, NY XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: Westlake Services, LLC
State: FL

Complaint narrative:
2018 I became really sick I contacted company Westlake Financial about options that I had .The car was reposed after I was told they were working on my file, I redeemed my reposion which westlake had taken the car out of my name I called them to advise them that the state of XXXX  DMV stated that the vehicle wasnt in my name and I could receive a tag or registration.I contacted westlake and all I got was the run around so I continue to pay and its been a whole year still nothing fixed so now Im like Im not paying until you guys resolve this issue

Company response to consumer: Closed with explanation