vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
On XX/XX/XXXX my card was hacked. I noticed some transcations that i did not make. I have issues with my card being hacked chip malfunctions and fraud on my account

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 2018-04-23 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: Early Warning Services, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I disputed an account from XXXX XXXX on my report. The information says transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. I received results in the mail with the same incorrect information still reporting. On XX/XX/XXXX I filed a complaint to the company. Their response still has not removed the incorrect information. This letter is in response to your recent claim that XXXX XXXX  has verified this account to be accurate. Yet again, you have failed to provide me with a copy of any viable evidence submitted by XXXX XXXX. 
I am unaware of ever transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner with this bank. Please validate this information with XXXX XXXX and provide me with copies of any documentation associated with this transacting ( or attempting to transact ) in an unauthorized or prohibited manner, bearing my signature. In the absence of any such documentation, I ask that this information be immediately deleted from the file you maintain under my Social Security number. 
You have 15 days to verify this information and to provide me with a document bearing my original signature. If you can not, I am demanding removal under the Fair Credit Reporting Act. 
This report is severely restricting my banking abilities.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Can't close your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I had a XXXX XXXX XXXX Store Credit Card account XXXX XXXX XXXX XXXX signed up originally in XX/XX/XXXX. There was a Store nearby that recently shut down hence we almost stopped going to any XXXX XXXX XXXX. But surprisingly, I started receiving {$24.00} bills every month stating " XXXX   credit report charge '' which initially I did not understand what was happening so I called XXXX XXXX XXXX XXXX XXXX number and said the charges are not authorized by me. They filed a dispute and I received a letter on XX/XX/XXXX asking me to wait for decision and the fraudulent activity happening to my account. They said they closed the account and asked me to sign a document to start investigation ( which I sent the next day ) ; telephone number in the XXXX XXXX letter dated XX/XX/XXXX was XXXX. On the same day I received a letter stating closure of XXXX account # XXXX dated XX/XX/XXXX. To my surprise there was another Bill posted  with transaction date XX/XX/XXXX that came from XXXX XXXX/XXXX XXXX XXXX  for an amount of {$25.00} even after closing the card. Most interestingly, the account has a number XXXX XXXX XXXX XXXX ( completely unknown to me ). Upon calling the Telephone number listed in the XXXX XXXX XXXX statement XXXX I was told someone opened this new account for me and transferred the old XXXX balance of {$24.00} and added some fees to make a total of {$25.00} and I got to pay this amount by XX/XX/XXXX. Upon telling one XXXX XXXX that it is NOT my account she said OK I will waive the charges and request for closing this account. I seriously think there is some identity theft and fraudulent activity happening with this XXXX XXXX. Please take some action to find out and solve the problem.

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 2018-04-23 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NATIONSTAR MORTGAGE LLC
State: NC

Complaint narrative:
After I filed a complaint with the Consumer Financial Protection Bureau on XX/XX/XXXX, The original servicer, XXXX XXXX had already started transferring the servicing of the loan to Nationstar on XX/XX/XXXX. Once again trying to collect on a debt that they cancelled in XX/XX/XXXX.

I am asking once again that their lien be removed because XXXX has already collected over {$80000.00} from me in payments. I did not accelerate lien in any way. The servicer XXXX  canceled the debt before acting on the lien in XX/XX/XXXX generating revenue for me. They did not however release the lien. Now they are trying to seize my home with the lien by way of foreclosure, and simultaneously trying to collect the debt by transferring the loan to another servicer Nationstar.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Portfolio Recovery Assos. has violated 15 USC 1692 by continuing collection activity after a cease and desist and 15 USC 1681 by failing to report complete and accurate information to credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD

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 2018-04-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XX/XX/18 Had a wreck and total loss my vehicle. Was not educated on how payments work while under insurance processing. I have never been late on a payment for 2 years and received a late payment because of the total loss process and the company isn't willing to get it removed from my credit score after there has been on time payments.

XX/XX/18 Spoke with a representative that stated that i was not late on my payments and stated she would send in a dispute. She stated that it would take 30 days to update.

XXXX XXXX received my insurance payments and the amount is paid down from XXXX to XXXX. Late payment still hasn't removed from my credit report.

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 2018-04-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX account appears on my credit report. I have paid off my account years ago and it was recently replaced on my account again. I do not owe XXXX. I actually over paid them. I disputed this account before and it was removed only to reappear months later. 

XXXX XXXX Opened on XX/XX/2017 {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I applied for XXXX XXXX XXXX XXXX by Citi on XX/XX/2018, and get a response what my application is under review asking to call Citi for more details. I called them XX/XX/XXXX and they said they require additional documents from me, one of the following : US passport, Permanent Residence Card ( " green card '' ) or voter card.

I'm resident alien in the US on H1B visa with valid SSN but I don't have any of this documents : I'm not a US citizen to have a passport or voter card and I don't have a green card either. They neither decline my application nor approve it.

I called them to check if there is a mistake in data and they accidentally have US citizenship for me in the file and they responded - no.

I have a few other credit cards with different banks and I have an excellent credit history and I never was asked to have a permanent resident card or the US citizenship to apply for credit card.

Moreover, there is no such information on terms and conditions page for this credit card

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 2018-04-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: General Motors Financial Company, Inc.
State: AL

Complaint narrative:
On XX/XX/2018 I Purchased a new XXXX XXXX XXXX from XXXX XXXX XXXX of XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX. They packed GAP insurance in the contract after I advised them four times that I didn't want it. The GAP insurance was purchased through XXXX. I contacted XXXX and cancelled the coverage several days after purchasing the car.

On XX/XX/2018 I called XXXX  to see where my refund was and they informed me that they sent an electronic payment/refund to XXXX XXXX XXXX on XX/XX/2018. I called the dealer that same day and I was told that they overlooked processing my refund and that they would process that refund immediately. Their accounting office said that they would send a check to GM Financial. That was almost three ago and I am being informed today by GM Financial that they haven't received a check yet from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
My employer received a writ of garnishment on me for a credit card through citi bank. I did have a credit card in XX/XX/XXXX and possibly still owe the debt. However, the judgment is through XXXX XXXX XXXX through an attorneys office. The judgment date on the court document says XX/XX/XXXX but the order was signed XX/XX/XXXX. The card was last used in XX/XX/XXXX. However, the XXXX company could not provide me with any information other than it was a Citibank account. I offered to pay a settlement and they countered with a settlement I am not willing to pay. I was not notified in person, phone, or mail of this debt, only from my employer who received the writ in the mail. The statue of limitations should have expired in Arkansas. Also, the company has been unable to provide me with any information regarding my account with Citibank other than that I owe a debt.

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 2018-04-23 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. Equifax and XXXX  have not responded yet, and they're supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: IN

Complaint narrative:
The company is loan care, and I believe they are messing up my escrow account. I have verbally asked to have the account terminated and I was told no I have to submit in writing. I over paid escrow in 2016, i received a letter on the XX/XX/XXXX stating I need to file for another check since it was never sent to me. On the XX/XX/XXXX I faxed the info, letter said 7-10 days to process and today is the XX/XX/XXXX and still has not been processed. XXXX XXXX from the department has not returned my calls from the last two weeks and no one knows where the check is. I have called several times to no avail when I looked them up they have 100s of complaints about this very issue and customer service. They have a 1.2 rating with the better business bureau. And how has my mortgage gone from XXXX to XXXX in 3 years when my insurance is cheaper and taxes are the same? Please help me figure this horrible company out. Thank u ... XXXX 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 2018-04-23 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD

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 2018-04-23 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I have requested proof of the debt within 30 days and received no response and in addition the alleged debt is over 10 years old and they failed to remove the items from my credit report even though my wages has been garnished for over 10 years and no missed garnishments. THIS IS FRAUD

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-23 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent an investigation request to the credit bureaus on XX/XX/XXXX. XXXX and Experian have not responded yet, and they're supposed to respond within 30 days.

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 2018-04-23 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: Convergent Resources, Inc.
State: NV

Complaint narrative:
Received an alert from XXXX XXXX that I had a negative reporting. It said the account was open XX/XX/XXXX. It also had a FCRA dispute notice already attached. I called Convergent, after 3 calls was told that I needed to call XXXX. No help with resolution just 2 hang ups and 4 transfers. Then I was provided an address, account #. I asked if my DL or DOB were compromised and the lady at extension XXXX said the account did not have any contact or verifiable details beyond name and ss #. She said the account was actually from XX/XX/XXXX notXX/XX/XXXX, but that they would continue to report unless XXXX  said otherwise. She advised to contact XXXX. I contacted XXXX who said I needed to provide a copy of my dl to be scanned at the store to garner any info. I explained that I needed to know basic info to file a police report, they claimed they needed a 6-10 digit pin for the account. Explaining that I would have no way of knowing, I gave my preferred pins to see if any would work. I was told they did not and that even providing my personal details that I would not be able to access the account info. I have identity theft alerts on my credit report and have since XX/XX/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 2018-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: TN

Complaint narrative:
I started trying to sell my house back in XX/XX/XXXX. I have gone through several buyers in just one year only to lose them because of USBank. I had to move and stop paying my house payment because it went from {$950.00} to {$1300.00}. My hardship began in XX/XX/XXXX due to having to quit my job because of XXXX issues, I almost lost my daughter. Because my husband worked an hour away from the house we decided to sell the house and move to another county. I have had I think at least 7 buyers and one was even willing to pay more than the house is worth and USBank denied it. My loss mitigation application has been in and out of review because they are saying I'm not providing them with the correct information. I have a realtor helping me to make sure they get what they need. I have had to send in check stubs for my husband and I three or four times. They wanted a letter from my husband saying how much he contributes and that he is in fact my husband and then they wanted to remove him from the process. Since XX/XX/XXXX my application has been in review and I called today XX/XX/XXXX and was told that it is with a negotiator. It seems to be going no where to me so my realtor told to file a complaint. This is beyond stressful. I have all emails sent from XX/XX/XXXX to current, it's too much to upload. My advice to anyone is use a lender they don't give near as much problems and never ever use USbank.

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 2018-04-23 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: IL

Complaint narrative:
On XX/XX/XXXX I sent several letters to the 3 major credit reporting agencies ( XXXX, XXXX, and Equifax ) disputing incorrect information on my credit reports. I have attached all of the paperwork that I sent for your review. I need this information fixed because it causing me financial difficulties.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: SUNTRUST BANKS, INC.
State: MS

Complaint narrative:
I received my social security check by direct deposit into an account at SunTrust Bank on Wednesday. I paid bills and was prepared on Friday to purchase prescriptions and groceries. However, my card would not work so I called the bank. They informed me at that time that my account was being closed, my funds were frozen and that they did not have to tell the reason for the closure and did not have to issue my money to me that day. That they would issue a check within 10-15 days. I spoke with them several times, and finally called my US Senator 's office who advised me to go to the bank personally and talk to them. I was given the same answers there. They have closed my account, a check would be issued within their guidelines and they do not know or can not tell me why. It has to do with their " rules and regulations ''. I was contacted today by someone who had been in contact with the Senator 's office and was told that " they are investigating it ' and that the investigation will take at least three days. After that, they will let me know what they find out and when they will let me have my money.

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 2018-04-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: FL

Complaint narrative:
Dovenmuhle Mortgage company provided Loss draft procedures for the disbursement of insurance funds due to hurricane losses. The procedures state that 90 % of the TLP will be disbursed to the individual within 5 business days of receipt of the requested documentation. I provided the documentation via USPS Priority mail ( signature required ), however, the company failed to co0mply with the 5 business day requirement and advised me that they had 5 business days to enter into the " Disbursement process '' within their company. I had contractors scheduled to begin work based on the information provided by the mortgage company, however, their failure to comply with their own procedures resulted in delays and penalties to me. 

Spoke with supervisor XXXX on the phone who offered no resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Kashia Services
State: FL

Complaint narrative:
Well, I received a loan from inbox loan company on XX/XX/2018 for the amount of XXXX. At that time I wasnt aware that annual percentage rate was 780 %, Ive made payment my first of XXXX   on XX/XX/XXXX but after that payments have been XXXX  on XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX and at this rate if I dont pay off the XXXX  plus XXXX Im one full amount i will be making XXXX every other Thursday until XX/XX/XXXX. Ive already paid back more money than i received from them but The payments are becoming a problem and I feel like i was taken advantage of because I didnt know it would be this hard to make balance the payments with my regular bills.

Company response to consumer: Closed with explanation