vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA

Complaint narrative:
I applied online for a new mortgage. I was rejected online. I called USAA Which Said my median Credit score was below 620. 

I asked why use the median score rather than the average. The financial institution says it is ok. I argued it is mathematically and statistically wrong to use the median of three numbers. It just has no scientific basis. It is actually laughable that a financial institution would use a useless statistic to reject my application. No where in mathematics will you find that a median of three numbers has any significance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: CT

Complaint narrative:
I utilized bill pay to pay my mortgage - check was scheduled to be sent on XX/XX/XXXX. On XX/XX/XXXX, I viewed my account and discovered that 2 checks were sent. I immediately called the bank to rectify the error and was told that there were 2 Bill Pay Accounts setup ( 1 Did not have the account number ) - which, I did not create. I was told that the 2nd check was returned and I would be refunded the return fee. On XX/XX/XXXX, I saw that the check was reprocessed and requested a stop payment however, on XX/XX/XXXX, my account was in the negative because the check was cashed. I then spoke with a bank supervisor ( who refused to give me any identifying information ) - who told me the check was cashed and there was nothing that he could do about it because " the computer made the decision. " I went into the local branch to speak to someone in person however, I was directed to " call the call center, we no longer deal with these issues at the bank. '' I submitted a complaint with CT DEPARTMENT OF BANKING On XX/XX/XXXX and was told that my complaint would be transferred to CFPB. I also submitted a complaint at Citizens online in XX/XX/XXXX- only to hear that this was my fault. Right now my account continues to incur fees because, the bank has refused to return my money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
This company called XXXX XXXX say I have a open account with XXXX XXXX. There is another company who is handling this case I filed Bankruptcy in 2011 the account XXXX XXXX has was discharged chapter XXXX I do owe XXXX XXXX money but not from XXXX XXXX that credit card was paid off or discharged

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called in today XXXX/17 at XXXX XXXX est and wanted the company to relook at my two credit cards because they denied me a credit line increase. the reason for denial was too many inquiries. I asked for an explanation and the first rep transferred to a supervisor when I asked then the supervisor discouraged me from applying for further credit and could not explain why this letter referred to XXXX as the reason for my denial when she says it was internal reasons that I asked too many times internally. I then asked for her manager and this person again could not fully explain what the reason means and why it was giving me XXXX as the reason. He stated again that it was internal and that the system makes the decisions not them and proceeded to discourage me from further applying for credit. The call was recorded and the manger told me I could not apply again for six months that they would not accept my application. I ended the call with the manager because he could not help me and he was discouraging me from getting the credit line increase I need to keep my utilization in line and do my XXXX shopping.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a letter in the mail today thanking me for choosing to use a Wells Fargo XXXX XXXX credit card. I have never had a credit card of any type with Wells Fargo and never will. It seems as if someone from Wells Fargo has opened a credit card account in my name and I do not appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I received a voicemail today ( XXXX/XXXX/XXXX ) from a number I did not recognize which was a recording stating that I was in default on a tax bill and a bill collector would be coming to my home. It told me to call their number immediately. I called back very upset because I dont owe taxes and have heard of this scam before so I demanded to be taken off their list. I was informed by the man who answered that it was intended to get me to call and that he was from XXXX XXXX XXXX. He laughed at me while he said this because I was so upset that my voice was raised. I was shocked at him laughing and at this deception so I hung up and immediately sought out a way to report the company. I am paying a small monthly amount on a credit card balance they are trying to collect. I have been in contact with them before and they know Im paying but they continue to call me multiple times every day. In this instance I believed that a tax debt would be due to a municipality or the federal government. Clearly they impersonated such a department in order to get a reaction and it is an obvious violation of the Fair Debt Collections Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
On XXXX XXXX XXXX, my loan was sold from XXXX XXXX XXXX to Carrington Mortgage Services. My name is XXXX XXXX. I am the heir of the estate of XXXX XXXX. 
When my loan was with XXXX XXXX XXXX, I submitted all the paperwork necessary to change the ownership to read ESTATE OF XXXX XXXX. 
I was able to speak on behalf of the loan and conduct all transactions. 
Upon the sale of the loan, after the welcome letter, the entire ownership revereted back to read XXXX XXXX. 
I called Carrington in XXXX, XXXX XXXX and sent a QUALIFIED WRITTEN REQUEST to them AGAIN providing the death certificate and proof that the ownership is wrong based on XXXX XXXX XXXXXXXX. 
They have to date NOT changed the ownership, asked me to place a password on the loan on XXXX/XXXX/XXXX, which I did do and NOT HONOR it. 
They have charged me a {$9.00} automated violation fee which I did not authorize and I am NOT in foreclosure, so no fees should be assessed to me. This should be refunded. 
Finally, I can not even get information from them, they speak in circles. Today, XXXX/XXXX/XXXX, I tried to resolve this with XXXX, and he would not give me ANY INFORMATION. Even though previously they had confirmed they received all the documents regarding my fathers XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: Weinman Acquisition Group
State: IL

Complaint narrative:
I received a voicemail from XXXX XXXX The person stated her name is XXXX XXXX with XXXX XXXX XXXX. She said she received a complaint in her office and she will be filing here in XXXX County, Illinois, but the case was reviewed and before filing, I must contact her at XXXX to address the proceedings sign off on the documentation. My father received a phone call from the same person, trying to locate me on XX/XX/2017. 

I received a voicemail from XXXX XX/XX/XXXX. The person stated her name is XXXX, and my account is on hold. She stated that if no contact is made she will be forced to forward the documents to my home, and to contact her at XXXX. 

I received a voicemail from XXXX X/XX/2017. The person stated her name is XXXX XXXX, and that she is a process server in XXXX County, Illinois. She stated that she will be serving legal documents to my home or place of employment if I do not respond and sign the documents. She stated that my refusal or inability to sign the documents will be considered a missed court date and the legal process will continue without me. She stated I am to call XXXX to address the proceedings and schedule a time to sign the documents. 

I believe these incidents are illegal, and all the same people/person that has been harassing me. I do not have any accounts in collections that I 've found during credit checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 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: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
In addition to attempt to communicate an issue to someone whom barely speaks you language with television and or radio in the background. 
Please see attached files.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XXXX XXXX, 2017 I was attempting to purchase concert tickets to see XXXX. I contacted a seller who offered to sell me 2 tickets for the price of {$70.00}. He insisted that we use XXXX by XXXX as it was a secure platform for payments. I agreed to this, as I assumed making a purchase using my banks platform must be the safest avenue in case their is a need for recourse. 

at XXXX XXXX XXXX requested {$70.00} from me using the XXXX app, which is sponsored by Chase bank. At approximately XXXX I completed the request for payment, immediately upon receiving his money there was no more communication on XXXX XXXX 's part, no matter how many times I attempted to get in contact. 

Following up on this I submitted a claim with my bank, Chase, as the service was sponsored on their website. My claim number with chase was XXXX. After approximately 4 days Chase concluded they could do nothing about the fraudulent activity which took place on their sponsored platform. I also followed up with XXXX, and they also agreed they will take no action against the fraud which they are sponsoring with their app. 

My case with XXXX is XXXX, I called in to report the fraud which they are allowing to take place on their application, and they responded by saying they will take no action. 

It is egregious that a banking institution will take no action to prevent this fraud or to attempt to recover my funds, when they have all the information they need to pursue charges against XXXX XXXX. Something must be done about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: Williams & Fudge, Inc
State: TX

Complaint narrative:
Williams & Fudge is continuing to report an account to my report, even after requesting validation. They never sent me the proper validation but yet continues to report this debt to my report at all credit bureaus ( XXXX, XXXX, and XXXX  ) after contacting them in XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANCORPSOUTH BANK
State: LA

Complaint narrative:
My father XXXX XXXX and the mortgage on our home is in his name. After his passing, I had some difficulties in maintaining the payments on a regular basis, but managed to get caught up. XXXX has repeatedly harassed me, although I asked them to cease and desist communications with me. I am currently only behind by one payment, yet they are threatening me with foreclosure and bombarding me with mail and phone calls. I have attached two letters received in the same day from them below on this page. I have received many more letters and numerous phone calls. If necessary, I can go back in my records and produce those as well. XXXX has caused me great XXXX XXXX  and made matters worse, as I am still dealing with the XXXX of my father.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received a letter in the mail today thanking me for choosing to use a XXXX XXXX XXXX XXXX credit card. I have never had a credit card of any type with XXXX XXXX and never will. It seems as if someone from XXXX XXXX has opened a credit card account in my name and I do not appreciate it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Equifax has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: NY

Complaint narrative:
On the morning of XX/XX/17 I completed a {$1800.00} wire to Coinbase. I have confirmed that the wire instructions including the further credit reference was present and correct. Coinbase still had not credited the funds to my account. They stopped responding to me on Saturday. They didnt even acknowledge my messages earlier. You cant call them on the phone.i shared all of the wire info including the bank Ref and fed Ref numbers. They havent even made an effort to check on it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Medical Business Bureau
State: IL

Complaint narrative:
This debt showed up on my credit report on XXXX XXXX XXXX ... I never received a dunno letter. So I mailed out a letter on XXXX/XXXX/XXXX requesting debt validation that I owe this company ( sign contract ) ... I never received any information. I sent my second letter XXXX/XXXX/XXXX requesting the same information and have n't received anything. I disputed this thru the credit bureaus and was told the information was correct.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: NJ

Complaint narrative:
I opened a Citibank credit card in XXXX, and a week later I got a mailed offer of an opening reward way higher than mine. I tried to call the customer service several times but they 're not willing to match the reward because they said the reward is for new customers, which ironically I am. I seriously doubt if the lady understands English.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
XXXX has added a fraud alert to my credit report without my requesting it. This is a violation of FCRA regulations. I do not understand how they feel this helps after the damage is done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have been trying to have the XXXX XXXX XXXX account removed and have been unsuccessful. The scheduled date of deletion is XXXX XXXX and I would like to request an early exclusion as a courtesy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have called Transunion and the representative told me that they could not help me. 
The undermentioned inquiries are either duplicate records or unauthorized. 

XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( UNAUTHORIZED ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE XXXX XXXX 2017 XXXX ( DUPLICATE ) XXXX XXXX 2017 XXXX XXXX ( DUPLICATE )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 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: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
I can not use my credit card to make purchases or log into my online account to see the amount of balance I owe. Around XXXX/XXXX/XXXX, Chase says my account must be reviewed by fraud team due to potential fraud associated with the account. All the purchases have been made by me or my son ( who is an authorized user ), and they said someone from fraud department will contact me by next day or two days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
I have been communication with XXXX XXXX XXXX for the past few weeks requesting written proof that my debt has been paid off and they keep ignoring my requests. They keep telling me to call in three business days and when i call they still deny to provide me with proof and tell me to call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian has on my credit report by Experian your accounts that may be considered negative in which makes no sense by them that it would be XXXX 2022 before the account is scheduled to got to positive status there has not been a late payment on XXXX XXXX credit card in over 24 months so why would it take 5 years from now to go to positive in which is stated by Experian on my credit file. 

So how does it take 7 years for an account to go to Positive which is stated by Experian on my credit file. 

Experian XXXX : Your account that may be considered negative ( Continued ) As stated by Experian.

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