vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I owe just a little over 2000 to capital one. I was making payments and the amount just kept going up drastically. I had to let it go default and charge off because I could n't pay thousands for only spending around 1500. I then made a agreement for around 1300 with capital one and they never withdrew my money even after attempting to make payments. They are now sueing me in XXXX county georgia where I live. I only found out of this by letters from lots of differant lawyers trying to get me to file bankruptcy. I spoke with capital one hired lawyers it 's called winters and something. I made a arrangement to pay with them. I told them I would pay XXXX right now and that was last week. They were very nice to me on the phone and said they would have a letters at my house this past Monday for me to sign showing the judge I did have intent to care for this matter. I have yet to receive any letter or have any funds taken from my account. I did give them my account and routing number to make the payment. I have tried everything I possibly could have to care for this situation and I feel like I am being taken advantage of. I did tell them I was a veteran and right away everything changed with the lawyers same with capital one. I just want to be able to pay what I owe and not end up in jail over a debt. Please contact me at XXXX my name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX XXXX ga XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.

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 2017-12-07 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: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX XXXX is appearing on my credit file. I am in TN which requires collection agencies to have a license to collect. XXXX XXXX as reported on my credit file does not.

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 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
Sunrise credit service places a collection on my credit report for the amount of {$270.00} XX/XX/2017. I do not have a contract with Sunrise credit services and would like this to be removed immediately.

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 2017-12-07 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: IL

Complaint narrative:
I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, TransUnion & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!

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 2017-12-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Rent Recover, LLC
State: WI

Complaint narrative:
In the state of Wisconsin, collection agencies have to licensed in order to collect a debt. Rent Recover , LLC is not licensed in this state. Furthermore, I never received any written communication in regards to this debt. It simply appeared on my credit report.

Company response to consumer: Untimely response
Consumer complaint received 2017-12-07 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to Equifax, XXXX & XXXX. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent equifax my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: IL

Complaint narrative:
I have sent in my dispute/fraudulent letter with proof from 3 notarized authorizations along with police reports to show proof of identity to XXXX, XXXX & Experian. My information has been stolen in 2016 & a couple more years back during the summer! Ive even sent XXXX my CORRECT date of birth with proof of identification like theyve requested & STILL NO UPDATE THIS WEEK TO MY INFORMATION! I thought my account was protected but I guess not! Im just getting my life started. I just found out what credit was at the end of last year!

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 2017-12-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
A 3rd party insurance claim check in the amount of nearly {$41000.00} to initiate home repairs was received/endorsed by Nationstar. They advised they mistakenly applied the check to our existing outstanding mortgage ( which was less than {$2000.00} escrow included ). This " error '' was discovered in our request to expedite the process. A representative advised the most expedient way to obtain the funds would be to sign an affadavit consenting to their " error '', then the remaining funds would be release via check to us, not the contracted provider-despite all documentation advising otherwise. We, nor the contractor, have received payment OR disclosure of this " revised '' procedure. This hideous, fraudulant-appearing, " mistake '' began mid-XX/XX/XXXX, yet not documented until XX/XX/XXXX. ( See attached. ) Several requests for explanation, documentation, and expedion of said funds have been delayed, ignored, or misdirected. The most recent advice, received on XX/XX/XXXX, is that release of the funds require a minimum of 30-45 days to process. Nationstar advised the " start '' date of that process is that of when they process the necessary paperwork NOT that of when they endorsed the check so who knows when to expect the money. Meanwhile, our home awaits a much needed roof. 

The complaint begins with XXXX not advising us in a timely manner of the sell of our mortgage. This, in fact, complicated the process from the onset, as the initial insurance claim check was written to them as the 3rd party. A total of 4 different checks were submitted by the insurance company due to the lack of timely communications between mortgage companies and us, and the inaccurate processing from NationStar. Secondly, NationStar applying home repair funds to the mortgage, then requiring approval to proceed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XXXX XXXX, 2017 I received an email from XXXX XXXX  about a new hard inquiry on my credit report. The inquiry was for a card from a store called XXXX XXXX. Attempted an email but no return as of this message.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.

Complaint narrative:
I have transferred USD {$25000.00} through my local bank XXXX XXXX XXXX to XXXX The Funds were held and still blocked at the intermediary bank which is CITI BANK despite my Local Bank - XXXX XXXX XXXX providing them all the information, Citi Bank has not responded or replied to the swift transfer message, either intentionally or due to negligence on their part.

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 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Ive been with citibank since XX/XX/XXXX and renew the account because citi was not able to fix my issue from XX/XX/XXXX to XX/XX/XXXX for the files of their server being corrupted. In XX/XX/XXXX i kept getting these checking fees {$30.00} and other random fees just to have standard checking account. I was qualify for the citigold. And they state i qoute {$50000.00} was the minimum requirement to keep this checking account free of charge in one year span. If the minimum has not met before the year to date, they will cancel the gold and put me back to priority stage. My experience in citi gold is that why would you change the minimum {$100000.00} with out consulting with me when they know i dont even make that amount in a yearly salary during applacation process. The minimum was changed during the middle of the program without notice. Thats not even in their contract mentioned that the minimum may vary or anything about changing the minimum without notice. I thinks thats unfair for people whos trying to save money and have life and family.

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 2017-12-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I had a refund returned to my card, since XXXX does n't refund back to XXXX. The cashier told me to swipe any card. I swiped my PNC smart access card. A few days later my account was closed, I called a week later ( when I realized ) the rep told me I was contacted to send proof of purchase. Nope, there was no contact from the bank. I later on, took it upon my self to send in the fax and find the number and everything to resolve the issues. I have send the proof of purchase. And still no resolution. I 've called them every other day saying the same thing, no ipdate, we did n't receive the fax, call back again. I 'm now convinced nothing is going to get resolved. Please help. PNC is the worst bank ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I opened a Citi Priority package with a {$500.00} promotional credit on XX/XX/2017. The promotion offer is a {$500.00} bonus as long as we satisfy some terms and conditions. However, Citibank refused to honor this offer even if I can prove that we have fulfilled all conditions. 

The terms of the promotional offer is : 1 ) Within thirty ( 30 ) days, 1 qualifying Direct Deposit must post to the new checking Account each month for 2 consecutive calendar months after opening the new checking account. 2 ) Maintain {$50000.00} in saving account more than 60 days.

According to my correspondence with Citibank customer service, the offer is not honor even I have fulfilled the requirements for the following reasons : 1. My previous account was closed within less than 60 days of the opening date of the current one.

2. This account was not enrolled in this promotional offer as it was opened.

However, we have documents/correspondence to prove the above two reasons are false.

1. My previous account was closed on XX/XX/2017, which is NOT within 60 days of the opening of the new account. 
2. When I opened the account at the XXXX ( CA ) branch, the banker clearly went through all the details about the promotion with me and signed me up. Also, one of the customer service did located the promotion ( XXXX ) when this account was opened. 
I believe the inconsistent information provided by the Citibank customer service has shown that they are dishonest during the whole process. 
1. In XX/XX/XXXX, I contacted customer service and they told me that my account satisfied the conditions and the bonus is expected in the following month or XX/XX/XXXX. 
2. Later in XX/XX/XXXX, another customer service said that, although theyve located the promotion, my previous closing account was less than 60 days ( reason # 1 ). 
3. Then I contacted them again to prove that the reason # 1 is incorrect. Yet another customer service told me that this account didnt enroll this promotion offer at the first place ( reason # 2 ). 
4. Now, I believe that they block our access to contact via customer service regarding this issue. 
As our correspondence reveals, Citibank keeps providing contradictory informations and refuses to address this issue by coming up new excuses. I shall attach our correspondences with Citibank with this complaint.

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 2017-12-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX

Complaint narrative:
Since XX/XX/XXXX, I started submitting all requirements for Loan Modification to XXXX XXXX, that they are seemingly trying to modify my loan, at the same time, trying to fail my attempt to avail the government Loan Modification benefits and incentives for homeowners like us. 
I was requesting for their XXXX in-house Homeowners Assistance Program Evaluation Summary that they sent to me last XX/XX/XXXX and until now appealing XXXX to follow the right Federal Home Affordable Modification Guidelines. The right determination on the Evaluation summary indicates that on the Loan Modification Agreement should be FIXED RATE NOTE and not Adjustable Baloon rate, where the rate is fixed on 30 year loan ; the only change in our payment would result from changes in my taxes and insurances. Its not acceptable the BALOON NOTICE of {$180.00}, XXXX after XX/XX/XXXX. The way XXXX modified my Loan is illegal and not under the Federal Home Affordable Modification Guidelines. 
XXXX is trying fully vesting in & entitling me to unapplied amount Principal balance of {$80000.00} that XXXX have to Deffered my balances eligible FULL FORGIVENESS of DEFERRED PRINCIPPAL REDUCTION amount and NOT BE REDUCTION only for 1/3 %. I respectfully request that the loan be modified from their 20 year term to a 30 year term or 40 yrs, the interest rate be reduced to the current 20 year market rate and the payment should be adjusted accordingly. The very minimal reduction in payment in XXXX HAMP modification they did for me is not acceptable or affordable. It has to be re- calculate into FIXED RATE NOTE and not Adjustable Baloon Rate. 
I complied already with all their requirements. While the modification was pending, I was advised that I needed again to send additional documents within 7 months for the modification to be approved ; they always said that it is still in the underwriter for review. I still kept on sending documents at this point with the hope that they will process my Loan Modifications. I always communicated from XXXX XXXX Mortgage servicing regarding the status of my Loan Modification processing and they kept on denying my Loan Modification request now in which means that they are not abiding under the HAMP Program, so we can stay in our home and exercise our rights for Federal Housing Affordable Loan Modification. We are requesting their approval for remedies available by Federal law. I had complied with XXXX XXXX requirements for Loan Modification processing. We are in the verge of completing all requirements to finalize our Request for Mortgage Assistance ''. XXXX XXXX have not dealt to me in good faith until this moment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX, and again on XX/XX/XXXX Chase Card in XXXX DE has run my credit without permission. I have called Chase Card in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and asked to have these inquiries removed since they were never approved by myself. I called Chase Card back in XX/XX/XXXX, put a hold on my social security number, yet they still continue to run my credit. This needs to stop, they need to remove ALL the inquires from my credit reports, none of these inquiries were initiated by myself. Please remove ALL inquiries from ALL credit reports run by Chase Card. Obviously putting a hold on my social security number has done nothing to stop Chase Card from running my credit every few months.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-07 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: NC

Complaint narrative:
XXXX XXXX 2015 I was evicted from my apartment. All my personal belongings including identification we 're padlock inside and later thrown out. When checking my yearly free credit report there were fraudulent accounts in my name. When contacting the credit companies some did n't hesitate to close and remove the accounts from my credit. XXXX/XXXX XXXX agent could n't careless and used the number I called to harass me for payments. The other two accounts were with XXXX/XXXX and XXXX XXXX XXXX which has now sold the account to XXXX XXXX. XXXX and XXXX has removed the fraudulent accounts but XXXX  continues to report the fraud accounts even after multiple dispute submitted to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-07 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
After many attempts to resolve this issue, Experian and XXXX continues to report the following item : Experian : XXXX XXXX XXXX IL XXXX / XXXX XXXX : XXXX XXXX / XXXX XXXX is the company reporting the items and has made it clear that they are no longer reporting these items to XXXX, Experian, and XXXX. XXXX has deleted the item from my report. While Experian and XXXX in clear violation of the FCRA continues with what seems to be malice to report these items. Additionally, they will not provide the true source of the provider of these items or the method of verification ( as required by the FCRA ) so that I may make challenges to them.

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