vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CHARLES SCHWAB CORPORATION, THE
State: TX

Complaint narrative:
During the month of XX/XX/XXXX, we were set to refinance our 1st and second mortgage, aka HELOC ( XXXX/schwab ) loan. We called XXXX to request a pay off and was told this would arrived via XXXX, which it did not. The closing was set for XX/XX/XXXX and included the pay off of our HELOC, however this did not happen. As a result, confusion of the payoff and payment became an issue. Although the pay off was sent secure email, this was not sufficient according to our loan processor. This is an erroneous error that caused grave consequences in our family 's attempt to move forward after experiencing a financial set back after hurricane Harvey XX/XX/XXXX. Our property remains in a disaster affected area but XXXX   XXXX  has reported a 30 day late payment twice during this time. We ask XXXX  to rectify this as soon as possible. In addition, this is the second time we ask XXXX  to address the issue of payments during families effort recover from Hurricanes as we do what we humanly can to get back on track.

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 2018-12-09 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: DISCOVER BANK
State: CA

Complaint narrative:
After XXXX XXXX from the military ( 20+years severed ) and another 16 years working as an XXXX  in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a Diamond Consultant. A fee for each step Titanium, Platinum and then Diamond, highest was required for best possible position for earning big commissions. The opening of the DISCOVER credit card-XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for Diamond membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. Quality Traffic as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) Close to an overall of {$110000.00} out and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: STERLING JEWELERS, INC.
State: TX

Complaint narrative:
The problem continues to exist after repeated attempts to explain I make the payment in the store and it is never recorded until several days later. Almost every time, the collections are calling when the payment has already been made. Then they try to explain that it does not update right away. We are requesting XXXX XXXX jewelry to stop reporting late payments and remove the 30 day late and acknowledge there is a delay in payment being processed!!! I further request proof of being late thirty days. I always make my payments in store several days after the XXXX of the month, but never 30 days after!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Lending Club Corp
State: MI

Complaint narrative:
I disputed the account with Lending Club requesting validation on XX/XX/2018. I sent a certified letter that they signed for on XX/XX/2018. I pull my credit report after 30 days and noticed that they didn't add " notice of dispute '' to my account. In addition, they had not respond to my compliant within the 30 days allotted. By not replying in a timely manner to my initial letter on XX/XX/2018, they have not only violated federal and state laws, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 

I am attaching supporting documentation that clearly shows they didn't respond in 30 days. They should have responded by XX/XX/2018. Not sending me an email on XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: DISCOVER BANK
State: MO

Complaint narrative:
I was solicited by XXXX, which I have a credit card in which they provide my FICO score monthly. They sent me an offer for HELOC as low as 4.99 % I responded by phone. My XXXX is about 51 % FICO is excellent with no derogatory info. I asked for {$35000.00} HELOC and was quoted 8.99 % after a hard inquiry on my Credit report. And even though I rejected the offer I have been notified by XXXX that I would need to contact my insurance provider to remove the loss payee standing by XXXX even though I never went through beyond application. I was informed by the loan officer that the rate was because the loan amount was too low suggesting I should borrow at least {$60000.00} to get a better rate although they had another parameter that the XXXX would have to be less than 59 %. Kind of a catch 22 when the parameters fluctuate. I would say that when a financial institution offers Loans with rates as low as 4.99 % and yet set parameters that make it less than likely a consumer will qualify is predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I received an alert to credit report to discover a collection agency by the name of ICU Systems listing a debt for {$110.00}. I am extremely upset. I never received anything from this letter, just a shocker to see it listed on my credit report. I tried to resolve this with XXXX XXXX XXXX. My issue was that XXXX XXXX XXXX was charging me for services in which I did not have with them. I tried to produce the documents showing that I was receiving service with XXXX during the time XXXX XXXX XXXX was billing me. XXXX made an error and instead of porting the phone number, they assigned me another phone number for my landline service and internet. So, I did not have XXXX XXXX XXXX during the period in which they were charging, therefore not owing XXXX XXXX XXXX. I am asking this company to remove this debt from my credit report. It is not a valid debt, nor did I have the opportunity to speak with this company before seeing this debt posted on my credit report to inform them of the situation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: First Technology Federal Credit Union
State: MD

Complaint narrative:
On XX/XX/XXXX, I spent the afternoon managing my fairly new checking account with First Tech FCU. This included depositing checks through mobile app, attaching other financial products through ACH such as XXXX, etc. While at dinner that night, I got an email from an address called XXXX that read : " Due to deposit and/or withdrawal activity that has been deemed suspicious or fraudulent, your account ( s ) and all access including, but not limited to : online banking, shared branching, ATM/Debit card, P2P, etc. have been suspended. At this time your account activity is being reviewed by the Fraud Management department and account access will not be re-established. 

The final determination on your account ( s ) will be communicated, via letter, at the conclusion of our investigation which can take up to sixty ( 60 ) days to complete. Do not contact the Call Center or attempt to reach First Tech by other means, as no updates will be provided until the conclusion of our investigation. Please keep in mind that if there is any activity that results in a negative balance, your account ( s ) would be forwarded to our Collections department in XXXX XXXX XXXXt for further follow up. 

Please do not reply to this message. Replies to this message are routed to an unmonitored mailbox and/or deemed undeliverable. 

Fraud Management First Tech Federal Credit Union '' It has been three weeks, and I've contacted the Credit Union multiple times with zero answers just as the email has said. My direct deposit won't go into that account anymore. My credit cards and rent can not be paid using that checking account anymore. 

It is absurd that First Tech does not allow their Fraud Management department to be reached by consumers, as nearly every other financial institution will call you immediately to discuss anything suspicious or fraudulent in a heartbeat and resolve the situation fast. This policy is very anti-consumer, and can lead to financial disasters like what I'm experiencing now. While I have a little bit of money in another checking account with a different institution, the majority of my money is in First Tech. They are holding my money hostage with zero explanation and I need it to pay my bills and live my life!

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 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XXXX XXXX I opened a VISA credit card with TD Bank as part of a promotion. The promotion involved receiving {$25.00} dollars in credit after making a purchase. After using the card to purchase approximately {$300.00} in the first month, I received a billing statement that did not include a {$25.00} credit. I called TD Bank customer service on or about XX/XX/2018 and they directed us to visit the local branch for assistance in receiving the credit. The banker at the branch tried to correct any errors and assured us the credit would be coming in the next statement. The XXXX statement came and no credit was issued. I called customer service again on or about XX/XX/XXXX, and they told me that they would issue a credit in 5 business days. I checked my account on XX/XX/XXXX and the credit was still not issued. 
I called customer service on XX/XX/XXXX and they have still not been able to resolve the problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-12-09 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: CITIBANK, N.A.
State: CA

Complaint narrative:
After honorably retiring from the military ( 20+years severed ) and another 16 years working as an XXXX in the corporate world. I as looking to find something I could do to earn money at home. After some research I received a email about an exciting and new way to earn money legitimately online at home. Initially for sign up and entry into the 21 step program a fee was required. It was advertised to bring big back end commission payouts with out handling any packages, talking to people or directly selling to the customer. Also once the customer signed up a phone sale team was present to handle all of your leads through process. The process was to guide the buyers through a funnel to arrive at the back end for the big payout earned, but first in order to sell the XXXX products a fee was required to buy the license rights to sell. The compensation for the largest payouts and your hard earned lead potential commissions to be pass by and above you, constantly up sold at every turn to position your self to get the back end payout you earned. The best and highest position at the time was to become a XXXX XXXX. A fee for each step XXXX, XXXX  and then XXXX, highest was required for best possible position for earning big commissions. The opening of the CiTi-credit card- XXXX in the amount of {$10000.00} was opened for this reason. To fund the amount of money needed for XXXX membership. Primarily we were guaranteed that this proven system would pay for the money invested with in the first six to eight months. The continued earnings of money ( income ) would then be used to reinvest and grow the company. However the proven system failed to produce what was advertised. Sales did not occur thus the ability to pay the card became increasingly difficult. I was told I would be making more at a rate enough to payoff my investment with in a year and continue to live a comfortable lifestyle. XXXX XXXX as we were advised to use was not cheap. I discovered FTC caught on to this companies operations and shut the whole company down ( see FTC attachments ) thousands of others effected. Close to an overall of {$110000.00} invested and a return of only {$4000.00} even with all the additional work I was doing like XXXX XXXX Ads, webinars and XXXX ads in addition to solo ads did not help. I need help! After shut down of XXXX, no service, no products I bought, licensing rights to sell those products, the phone sale team, coaching assistance, member network, website and it services non existent. I have used my savings and about to loose my home and its belonging, this has cause grave hardship and I am lost as to what to do. I need help asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
On XX/XX/XXXX, I was on board a XXXX XXXX flight and was told by the flight attendants of a credit card offer. If I applied in-flight for the XXXX XXXX XXXX Credit Card, I was eligible to receive XXXX miles, which is valid for 7 round-trip flights. I filled out a paper application, which included my social security number, income, address, birthday, and more, and gave the application to the flight attendant. 

It has now been approximately 2.5 weeks since this application. Because of the delay, I tried checking the status of my application both over the phone and online, through Bank of America. I was told that no application existed with my information. 

Following this, I called Bank of America and spoke to two representatives on XX/XX/2018, who transferred me to various departments because they could not find an application, either. Finally, the third representative I spoke with told me that the offer of which I was speaking was valid only from XX/XX/2018 through XX/XX/2018. There is another offer, the representative told me, for the XXXX XXXX XXXX XXXX credit card, but this is not the card for which I applied, and I was not told at any point that this world credit card was the " Elite '' card. This representative suggested that I contact XXXX XXXXs, the Federal Trade Commission, and the Identity Theft hotline. 

I called XXXX XXXX on XX/XX/2018, and was directed to file a complaint online. I did this on XX/XX/2018.

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 2018-12-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Complaint Complaint - To help us get the investigation process started, provide a brief description of the complaint including dates and the names of those you dealt with. 
Do NOT include any personal information such as account numbers or Social Security numbers. 


We would like to advise you of the many problems we have had with Bank of America since XX/XX/2018 trying to negotiate a short sale on our house.When our financial situation changed due to our HELOC loan ballooning from less than 200 /month to over $ 700/ month, we could not afford it. The bank put us through a loan modification which was denied because our house was underwater. After a failed attempt to sell with a realtor, we asked Bank of America for permission for a short sale. We were told it was up to the bank 's Short Sale Department, and if we had an offer, we would receive paperwork.We received a complete package from a person at the short sale department, which we gave to our realtor, who found a very good cash offer for our home.She was unsuccessful reaching her contact at Bank of America over a period of 5 months. Documents lost, resent ; promised calls and conference calls never happened ; holding times exceeded an hour ; the bank never heard of our realtor ; the bank account manager XXXX XXXX never heard of the bank short sale contact ; we never received promised copies of bank emails, etc. We finally pleaded with our loan manager to see what she could do. She asked her manager to look into this. Now our realtor and we have a new contact, who tells us the loan modification was only on primary loan, when we thought it was also on the HELOC, which we stated we could not pay at the new rate at the beginning.We have been in circles from XXXX until now, XXXX. We have exhausted our savings trying to keep current until now. We have even asked our children for help, which they did, until they can no longer. We feel Bank of America has needlessly caused severe delays, and we fear our cash offer will withdraw, now that six months has been wasted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-09 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: EQUIFAX, INC.
State: NV

Complaint narrative:
I filed an identity theft report with the FTC on XX/XX/2018. This is the report number : XXXX. Equifax is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from Equifax on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing Equifax with the identity theft report, confirmation # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently ran my credit report, and noticed a numerous amount of credit inquiries on my report. I need these removed from my credit report immediately, as they are untrue and horrible reflection of my of my credit worthiness. 

1.XXXX/XXXX/XXXX 2.XXXX  XXXX  XXXX   3.XXXX  4.XXXX  5.XXXX/XXXX  XXXX  6.XXXX XXXX XXXX   7.XXXX/XXXX  8.XXXX  XXXX  9.XXXX XXXX XXXX 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 2018-12-09 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: NV

Complaint narrative:
I filed an identity theft report with the XXXX on XX/XX/2018. This is the report number : XXXX. XXXX is not removing the inquiries and accounts associated with this report of identity theft. I spoke with an agent from XXXX on XX/XX/2018. The agent said that he would remove the inquiries immediately and furnished the following confirmation number : XXXX. Upon calling for an update on XX/XX/2018, I discovered that the agent did not remove them as promised- despite me furnishing XXXX with the identity theft report, confirmation # 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 non-monetary relief