vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-06 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: AZ

Complaint narrative:
I recently applied for a credit increase with my XXXX card I have had for 2 years with an XXXX credit score via their own Credit Wise site. I was denied with two reasons listed. The first was your average monthly payment has been too low which their solution stated as generally if you make more than your minimum monthly payment on time for three months you can reapply for a credit increase. During the entire time I have had this account, I have consistently paid 2-3 times the minimum payment every month which makes their first reason entirely FALSE. The second reason given was recent usage of this account for monthly spend has been too low so I am being penalized for wishing to pay down the balance on my account. I then called Capital One to speak with an agent who was incredibly unhelpful. Her only response was credit is very complicated and we can not discuss this with you and abruptly ended the call. This means there is no way we can even attempt to discuss the erroneous information given to me nor to correct it. Capital Ones arrogance in this matter is reprehensible with their attitude of whatever we say is the truth and we dont care of any circumstances that may need clarification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/2018, a fraudulent deduction was debited to my debit account. a ridiculous fee of {$600.00}. XXXX cents was taken out of my account for a XXXX taxi ride. I do not have a XXXX app. I own my own car. I went to the bank the next day ( Citibank on XXXX XXXX XXXX, ny ) I reported the theft and since then after numerous phone calls to their credit fraud dept. I have been given the runaround. I have called at least 6 times. When you talk to the agent they will not give you their full name ( only their first name and usually some bogus coded info ) The last time I called, the rep told me much to my astonishment that the case was closed. When I complained, she said that she would e-mail the fraud dept. and they would send me a letter in a week. It is impossible to talk to a person directly involved in the case. Everything is e-mails being sent to the parties that could resolve the problem. Citibank is like a secret society purposely set up to pilfer a client 's money. I paid a 30 year home mortgage to citibank at 9.75 percent. I have been a customer for probably 40 years and this is how they treat me. Any banking institution should have flagged such a ridicuous amount for a taxi ride. I am retired on a fixed income. I, virtually have no savings. Please tell me how I an retrieve my purloined funds. 
Appreciatively,

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 2019-02-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I agreed to payXXXX on XX/XX/2018. I called in XX/XX/2018 and paid it early. Days later I learned they had taken a additional payment ofXXXX. I called to resolve the error and have not been able to. They lied stating I committed fraud and closed my account further damaging my credit. I still did not receive the money back.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX XXXX capital one threat jail time XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
ON THE XX/XX/2019 AMERICAN EXPRESS ONCE AGAIN CUNDUCTED WHAT IS KNOWN AS A BLOCK PARTY CALLING RELITIVES NIEGHBORS AND WHO ELSE KNOWS. MR XXXX XXXX EVEN TOLD ONE THAT HE WAS GOING TO CALL PAST EMPLOYERS AND TELL THEM IM A DEAD BEAT. I HAVE PERSONALY INFORMED HIM NOT TO CONTACT THIRD PARTY PERSON ( S )  RELATED TO ME NOR MY ACCOUNT. 
I HEARBY DEMAND THAT YOU CEASE AND DISIST ALL FUTURE CALLS AND TO UPDATE YOUR FILES TO INDICATE SUCH. BEING THAT YOUR EMPLOYEE HAS USED TATICS AND THREATS I REQUEST YOU CEASE AND DESIST UPON RECIEPT OF THIS NOTICE. 
I REQUEST THE COMPANY GIVE ME 30 DAYS TO CONSULT WITH AN ATTORNEY FOR LEGAL ADVISE INTO THIS MATTER BEFORE THEY MAY CONTACT ME VIA MAIL OR THE NUMBER THEY HAVE FOR ME ON FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Selene Finance LP
State: FL

Complaint narrative:
Our mortgage was serviced by XXXX for several years after being sold by XXXX. We had some financial difficulties and requested a loan modification. They agreed and I sent a check that didn't clear. At this time I had opened a new bank account. SO, when I saw that the check didn't clear I called and requested they take the money from my new account. Well, the rep didn't verify my checking information and they tried to take it from the old account. So, they wouldn't let us continue. They filed for foreclosure. It was due to go to auction on XX/XX/XXXX, but it didn't sell. So, now we are being serviced by a company called Selene, LP. They haven't tried to reach out and work out a solution. I understand we now have another pending auction for XX/XX/XXXX. I want to know who can legally foreclose at this point? I plan to submit loan modification paperwork to Selene tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Solutions
State: OH

Complaint narrative:
On XX/XX/19 a representative from Credit XXXX Solutions called my phone trying to reach my husband pertaining to a debt for XXXX XXXX. When I advised the rep that I had no idea when we could take care of the debt she proceeded to ask me about my tax return. It was at this time I informed her our tax return is going to a down payment for a new home. It was at that point she said well I'd hate to see this from stopping you from buying a new home and if this is reporting it will ... That is when I proceeded to inform her that was threatening language according to the FDCPA and terminated call ... She informed me all calls are recorded so there is record of the call.

Company response to consumer: Untimely response
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Millco Management
State: FL

Complaint narrative:
I attempted to obtain credit and found a collection agency by the name of XXXX XXXX was reporting on my file. I was denied credit because of a collection account that I did not recognize. In an attempt to obtain the line of credit requested, I called and went to their website XXXX XXXX XXXX to see what the account was for and make a payment if it was valid. The website requests an account number, but I do not have the full account number available and does not provide any details to what this alleged debt is for. I called phone number XXXX, I was unable to speak to anyone. The system asked for me to request a call back before disconnecting the call. I provided my cell phone number on XX/XX/XXXX and have yet to receive a call back. I have made multiple attempts to contact this company almost daily. I was never notified that this account existed, no one ever attempted to collect and more importantly I have no idea what this is even for. I have applied for employment and thankfully I didn't get declined due to this unknown charge. If I had known of valid debt i owed I would have paid for it before any harm could be cause to me like all of my debts. This company has caused me damage and will not even respond to my calls for a debt that I was never notified of. I just need all of this to go away so that I can go on with my life without further damage from this absurd situation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
This was the offer I was supposed to get : Get a {$50.00} or {$150.00} Visa Reward Card* After you open a NEW REGIONS checking account and fulfill all requirements of the offer! 

Register Now XXXX XXXX thought you might like to take advantage of this great opportunity with Regions Bank. After you complete all requirements of this offer, you will each receive a Visa Reward Card. 

HERE 'S HOW TO EARN YOUR REWARD CARD : See Full Terms & Conditions Within 90 days of this communication : 1. Click here to complete and submit the required registration form and accept the Terms and Conditions of the offer 2. Open a new checking account with a Regions Visa CheckCard, and keep the new account open and in good standing for at least 60 days Then complete all of the following steps : For a Personal Checking account, within 60 days of account opening : Have at least one ACH direct deposit ( such as a recurring payroll or government benefit deposit ) of {$300.00} or more Complete at least 10 Visa CheckCard purchases that post to the account Sign up for Online Banking with Online Statements ( if you do not have a Social Security or Taxpayer ID number to enroll, visit a branch to see if you are eligible for other enrollment methods ) Get your {$50.00} Visa Reward Card in 46 weeks after all conditions have been met! 
For a Business Checking account, make an initial deposit of at least {$500.00} within 90 days of this communication. Then, within 60 days of account opening : Complete one Visa Business CheckCard purchase that posts to the account Sign up for Online Banking with Online Statements ( a Social Security or Taxpayer ID number is required to enroll ) Get your {$150.00} Visa Reward Card in 46 weeks after all conditions have been met! 


THEY CLAIM I FULFILLED THEIR REQUIREMENT BUT SAY THEY LOST MY REGISTRATION AD WILL NOT GIVE THE BONUS THEY OFFERED

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 2019-02-06 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: CA

Complaint narrative:
Hello and thank you for your assistance in advance with this sensitive request. 

I have been a victim of fraud and placed a fraud alert on my credit reports with all three bureaus on XX/XX/XXXX. The fraud began in XXXX apparently and I have since tried to take precautions on protecting my credit from being compromised from unauthorized accounts and inquiries. I have paid over {$420.00} to credit monitoring websites and to certifying and notarizing documents to send to each credit bureau and the creditors with no luck. 
On XX/XX/XXXX, I submitted to all three credit bureaus a signed and notarized document and certified it to XXXX, XXXX and Trans Union. On XX/XX/XXXX, I received confirmation that all three credit bureaus, XXXX, XXXX  and Trans Union signed for my certified documents. In compliance with the Fair Credit Reporting Act of 15 U.S.C. 1681, Section 611, the credit bureaus have 30 days from receipt ( XX/XX/XXXX ) to  investigate and/or remove and block the fraudulent accounts/inquiries. 

It is now XX/XX/XXXX and there has been no response or update on my credit report honoring my request to remove the unauthorized and fraudulent inquiries from my credit reports. This unresolved issue is hindering me from being able to apply for a new home loan and a new car so that I can be able to provide for my family. 

I am requesting the help of the Consumer Financial Protection Bureau to resolve this urgent matter and be done with this once and for all please.

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 2019-02-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: LA

Complaint narrative:
I had a loan with XXXX and it was sold to Freedom Mortgage. During the sale I was never notified and was not aware of anything going on. I continued to pay my mortgage payment to the XXXX. by the time I figured it out I was late on a payment. I paid it and explained to them that I was never told. Since then I have continued to ask them for a account and transaction history including a running balance but they never give it to me. They keep sending me the wrong thing. I have been requesting this for over a year. I need this because I do not believe they are applying my payments correctly and there is no way for me to check with out that information. there customer service is horrible. you can never speak to anyone. it seems that all of there departments are not customer facing and everything you ask for has to be put in a request that never gets done. I have asked to speak to people higher up and get the same response. let me put in a request. I have never had this much trouble with a mortgage service company ever. I really wish they would sell this loan to someone else. It is absurd that mortgage company 's are allowed to sell loan any random company that does not have the same values and customer service as the company you made the loan with.

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 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a " Notice of Bank Levy '' in the mail today from XXXX XXXX XXXX, XXXX claiming they are the trustee on a levy against my accounts. 

I contacted the number on the letter and the person who answered couldn't or wouldn't provide my any information about this " levy. '' He kept asking if I tried to resolve the debt. 

I asked what should be simple questions like which court they filed this action in and he refused to answer. 

He asked for a contact number for their " legal department '' to get back to me. 

I never had a loan or account with XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: U.S. BANCORP
State: GA

Complaint narrative:
I received a letter from US Bank indicating that my checking account will be " dormant '' 30 days after inactivity, which there were none back in XX/XX/XXXX. I also had {$5.00} in that account as well. Instead of US Bank closing my account in a timely manner, I was instead charged maintenance fees and then overdraft fees months after the account was suppose to close. 

XX/XX/XXXX : US Bank sent me a letter, " An Important Message About Your Account '' which indicated that my checking account had no " transactions or communications initiated by the customer in the last twelve months ''. This meant that " If no action is taken within 30 days of the letter ... the account will be considered 'Dormant ' ''. 

XX/XX/XXXX : US Bank sent me a letter indicating that the account has been overdrawn by " {$54.00} '' and that I should contact the branch that I normally do my banking. 

XX/XX/XXXX : I called US Bank CBMD-DDA Default Services at XXXX. XXXX, who was very kind and did her best to help me, said that it was collections and I needed to talk with the branch manager to resolve my matter. XXXX transferred the call which ended up on an individual 's voicemail, which I assume is the branch manager. 

XX/XX/XXXX : Instead of leaving a voicemail, I called the US Bank General Banking Customer Service and shared that my account should have been closed in XX/XX/XXXX, according to the document I received. XXXX, who was very kind and also did her best to help ( but I believe it was outside of her role to be able to fully help me ) stated : ( 1 ) that I was charged a maintenance fee in XX/XX/XXXX, and my account went to {$0.00}, and ( 2 ) that my checking account officially closed on 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 monetary relief
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Webcollex, LLC
State: GA

Complaint narrative:
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Convergent Resources, Inc.
State: GA

Complaint narrative:
I have never signed a contract or entered into a legal agreement with your company or firm. No information has been sent to me and nothing has been proven that neither the information you many have or the debt belongs to XXXX XXXX. Your company has engaged in collection activity prior to validating a debt and has not submitted any documentation to support your claim. This is to serve as your legal notice under federal law ( The Fair Debt Collection Practices Act ) to cease all communication with me in reference to the account above. I do not have an account with your company nor have I ever has an account with any company you claim to represent. Remove this account upon receipt or I will file suite against officers of your company and your company within 5 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 explanation
Consumer complaint received 2019-02-06 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
PayPal credit advertises 0 % apr for 6 month for all purchases over {$100.00}. 
On XX/XX/2018 I made a purchase of {$2000.00} however PayPal charged me a finance fee on this amount against their advertised offering.

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 2019-02-06 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2019 I purchased an XXXX XXXX 2 business class ticket for {$5200.00} charging my Chase XXXX XXXX  credit card. Within few minutes I got an email asking me to confirm that this is not a fraud and I indeed made the purchase. I confirmed the purchase to Chase. On XX/XX/2019 I went to XXXX web to make seat selection. I was surprised to find that the reservation was no longer valid. I purchased new tickets using the same card but the same 2 business class tickets were more expensive and cost {$7300.00}. This time the purchase was completed and I did not get any email to confirm that this was not a fraud. Today I called Chase XXXX  and complained. I was transferred among several customer service and ended up with fraud protection who confirmed that they got my initial approval but declined payment with no explanation. ( Credit line was available and only 10 % of available line was charged with {$0.00} balance for previous month due ). As a result of the Chase XXXX XXXX mistake, I am paying additional {$2000.00}. I asked for refund and was put on hold ( with music ) with no one picking up the line.

Company response to consumer: Closed with non-monetary relief