vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-20 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: LA

Complaint narrative:
We received 1 notice in the mail alerting of the debt owed. I went online and made a payment that I could afford at the time. The original debt was {$3000.00} via a credit card with capital one. I made a payment of {$150.00}. 
About 2 weeks later before XXXX there was someone banging on my door. When I got to the door I saw an officer in full uniform, and panicked thinking something awful had happened. But, he was there to serve us papers stating what we owed and it did not reflect the payment I had previously made on their website. 
When we called to talk to them about the debt and offered to make payments they would not agree to not take further court action. They said that they were n't sure if the group of lawyers would agree, but that they normally do if we promise to payoff the debt in full with in three months. They said we would have to make {$200.00} payments each month until we pay the full amount within the three months. 
I found this completely disturbing since I had already initiated payment after the first letter. I felt they were trying to intimidate to demand payment faster. As a mother of XXXX small children who were home with me I truly felt harrassed and threatened in my own home. I want to settle this and find the best solution to a horrible situation. I have also realized making any payment without a written offer is foolish and I have no written agreement from this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I want my money returned to me. The bank employees would not help me find out what happened to it. The only thing that could have happened is they stole it. I have been totally abused by the bank and their workers. Everyone just kept saying they did not know what happened. I was even told to forget getting any money back because the president forgave the bank its wrong doing. Help me please it put me into extreme poverty and l ca n't get back my living in a well status. I am XXXX legally XXXX have no car and need my money back.

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 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I was contacted by the company XXXX XXXX last year XX/XX/XXXX in the summer between XX/XX/XXXX and XX/XX/XXXX. The company representative told me that I was in default of a rental agreement and I needed to return the furniture before the store files a stolen property charge with the local police department. I told them that I was on XXXX XXXX orders and that the furniture was in storage and that I would authorize them to pick it up. The man then stated that he would take a payment of XXXX dollars. I asked him what was the total amount due and he could not tell me. He said he had to add other fees and he would call me back with the amount. The company XXXX XXXX went on to put a charge off debit on my credit report with a charge of amount of XXXX XXXX dollars. I continued to receive calls asking me for payment and threats to file police report for stolen property. I called the company in XX/XX/XXXX to  make a payment the representative gave me completely different amount than what was stated on my credit report. When I told her that the amount she stated I owe did not match the amount shown on my credit she put me on a long hold on the phone. when she finally came back to the phone she could not tell me how much I owed on the account still. She stated that she was going to have someone call me back with my account information and payment methods. I never received a call back.

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 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
Experian is reporting that I have a past due balance with XXXX XXXX XXXX XXXX  for {$4900.00} which is incorrect. I have no past due balance this account is paid in full.

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 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
Fifth Third Bank has a deposit practice of " holding '' a deposit depending on account activity for up to 7 business days if you deposit a paper check. It is their policy to hold these funds regardless of funds availability by the sending institution. 

I was advised today that based on my account status, EVEN IF THE SENDING INSTITUTION VALIDATED FUNDS AVAILABLITY they would withhold the funds that had already cleared my bank account for UP TO 7 BUSINESS DAYS. Again, regardless of the funds being cleared and available for my account, they will not release the funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Pacific Union Financial, LLC
State: VA

Complaint narrative:
I AM APPLYING FOR HARDSHIP ASSISTANCE AND WAS INFORMED THAT MY FILE WAS DEEMED COMPLETE AS OF XXXX/XXXX/XXXX AND WENT TO THE UNDERWRITING DEPARTMENT FOR FINAL STAGE. NO DOCUMENTS ARE BEING REQUESTED SINCE THE FILE HAS BEEN DEEMED COMPLETE AND I ASKED IF MY FORECLOSURE PROCEEDINGS HAS BEEN PLACED ON HOLD AS I READ THAT IN THE FHA GUIDELINES THAT SHOULD BE DONE ONCE DEEMED COMPLETE AND PER MY SERVICER WHICH IS PACIFIC UNION FINANCIAL STATED THAT THEY DONT HAVE TO AND THEY WILL NOT. BY THE SOUND OF IT MY SERVICER HAS GONE ROGUE AND NOT WILLING TO COMPLY WITH FEDERAL REGULATIONS AND FHA GUIDELINES. I NEED HELP ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Thaxton Investment Corporation
State: GA

Complaint narrative:
One of the accounts reflects a 30 day delinquency and the other account reflects an open account charge off. 
Account 1 : States that the account was open on XXXX Amount : {$450.00} Account 2 : States that this account was paid and closed on XXXX but had a 30-59 days late status on the account. 
XXXX XXXX has falsely reported these accounts on my credit report without giving me the requested proof of the account and signed contracts. 

*** I have communicated through attorneys to resolve this matter and XXXX XXXX  has refused to comply and show account information and signed contracts. ***

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 2017-12-20 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: NC

Complaint narrative:
Federal Tax Lien Docket # XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$3700.00} Federal Tax Lien Docket XXXX XXXX {$550000.00} State Tax Lien Docket # XXXX XXXX {$100000.00} State Tax Lien Docket # XXXX {$25000.00}

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 2017-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: ID

Complaint narrative:
I applied to refinance my existing mortgage with XXXX XXXX XXXX, XXXX. on XX/XX/XXXX,  to include the consolidation of two credit card accounts with the same bank. The estimated value of my property at the time was {$210000.00}, compared to the appraised value of the property in XX/XX/XXXX of {$180000.00}. An appraisal was ordered by Chase, and came back at {$180000.00} which I contested. The appraiser used outdated comps, and was supposedly " training '' when he visited the property. I provided the original appraisal, and current comps to my Loan Officer, XXXX XXXX, and was told the appraisal came back at {$190000.00}. The refinance process was started, and was supposed to refinance at the current rate, and consolidate the two credit cards with no cash back. 

After proceeding through the process, we closed on XX/XX/XXXX, with a mobile notary from XXXX XXXX. I was told at the closing there would be a check/checks delivered to me after processing. I was also given a Right to Cancel at the signing. I received one check on XX/XX/XXXX, made out to me for {$1600.00}, watched my accounts on line to see that the credit cards were paid. When the cards were not paid by Friday, XX/XX/XXXX, I reached out to XXXX XXXX to see when and how they would be paid. He told me that I would receive checks made out to Chase from the Title company to pay them off, and he would check to see what was happening. On Monday, XX/XX/XXXX, I was told by XXXX that the credit cards were not going to be paid off, and he would check further to see what our options were. He also referred me to his supervisor, XXXX XXXX, for possible other options. I received a call from XXXX XXXX on Tuesday, XX/XX/XXXX, that the credit cards were not going to be consolidated because the appraisal had come back at {$180000.00} instead of {$190000.00} as expected, and that my Right to Cancel had expired, and there was nothing more I could do. 

XXXX XXXX admitted to me during our phone conversations, that underwriting had changed the refinance back in XXXX, and he had missed it. He also admitted that the appraisal was only {$180000.00} vs the {$190000.00} that we were anticipating which he also missed. These were major changes in my loan application that were NOT disclosed to me before signing, and in my estimation constitute fraud on the part of Chase.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I was putting in my credit card information online for a room at the XXXX for XXXX XXXX ( in 6 days ) when I saw the offer for the XXXX XXXX XXXX Credit Card in which it showed the following offer : {$100.00} Price for Stay - {$100.00} Statement credit = {$5.00} *Total after statement credit. 
*Price for stay and statement credit may post on separate statements After inputting my information, A window popped up stating, You have been approved for a {$15000.00} credit limit and You will receive your card in 7-10 business days. Because the offer implied that If approved for the card, I would be able to pay for the room on the card and then after the first statement, I would receive {$100.00} credit. Now, it appeared that I could not actually book the room with the card. I immediately called XXXX and after explaining the situation and waiting on hold several times, I was told, This is not through XXXX, it is through Chase and I was given 2 separate phone numbers to try ( XXXX and XXXX ) after attempting to speak to a person on the first number and being disconnected because I couldnt provide a card number, I was able to speak with someone at the second number. After hearing my situation and consulting her supervisor, she was apologetic, but told me that, while the credit card was through Chase, the actual offer was through XXXX and I would have to call them back. I called back the XXXX number ( XXXX ), where the agent put me on hold for 1-2 minutes while she looked into this. The next person who picked up the phone told me that I had been transferred to Chase credit card services ( who I had just hung up with ). After almost 2 hours of explaining the situation to customer service and supervisors at both XXXX and Chase, I was told that I would receive a call from an Escalation Agent within 24 hours. This morning I received a phone call from XXXX at Chase Apply by phone escalation team at XXXX XXXX XXXX ). XXXX told me that the room needed to be in my cart in order to receive the offer. When I explained that I was in the process of paying for the room ( entering my XXXX XXXX XXXX card number ), therefore the room was obviously already in the cart when I clicked to apply for the card. She then told me that the math is just for illustration purposes, showing what you could save if you used the card to pay for the room. She was sorry, but my card would arrive within 2 weeks. I told her that this felt like false advertising and that I had been tricked into applying for a credit card ( and whatever associated decrease in my credit score for applying ) which was now useless to me. 
She said she was sorry and asked if there was anything else she could help me with. I told her that I would be reporting this fraudulent advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: N.A.R., Inc.
State: FL

Complaint narrative:
I have a company my name of XXXX XXXX XXXX attempting to collect a debt I do not owe. I have attempted to resolve this issue with debt collector but company refuse to provide any type of evidence that this debt belongs to me. Only thing company has done is send statement in mail but has not provide me with any proof

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The vehicle loan with XXXX XXXX XXXX XXXX was wrongfully repossessed in XX/XX/XXXX 2016. The lien holder of the vehicle failed to fix electrical problems with the car. Instead of fixing the car, The car was repossessed and sold in auction. The amount the car sold for and what I owe is completely wrong. The charge off balance of the car is now reporting {$11000.00} dollars on my credit report. This is absolutely wrong.

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 2017-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I recently looked at my credit reports and noticed that XXXX XXXX  XXXX reported negative marks Paid, was past due 30 days on my reports WITHOUT ever telling me they were going to report them. I believe this is incredibly unfair and had I received the federally mandated notice to me, I would have paid on time. 

According to the Fair Credit Reporting Act Section 623 ( a ) ( 7 ) ( A ) ( i ) and ( B ) ( i ), they has a responsibility to provide a notice furnishing of negative information, in writing, to the customer and that this notice is to be given to the consumer prior to or no later than 30 days after furnishing the negative information In fact, the Federal Reserve even created a published form so that creditors can be in compliance. Here is the compliant verbiage : We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report. 
In short, I never received such a warning notice! 

I understand that according to the Fair Credit Reporting Act, failing to provide this notice can result in a penalty up to {$2500.00} and can be enforced by the FTC, and that my state attorney general can also enforce this with a {$1000.00} penalty as well. 

I attached a copy of the law and the actual document from the federal reserve

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 2017-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OZK
State: AR

Complaint narrative:
I was involved in an online relationship with a XXXX XXXX. It was my understanding that a person was going to deposit money into my account on behalf of XXXX XXXX and I was to withdraw that money and send them to bill collectors as directed by XXXX XXXX. On XX/XX/XXXX {$9900.00} was deposited into my savings account at Bank of the Ozarks. On XX/XX/XXXX I went to the Bank of the Ozarks branch and withdrew {$2800.00} and {$7000.00} and sent the money to the places indicated by XXXX XXXX. On XX/XX/XXXX I made another withdrawal for {$120.00} and also sent that money to the places indicated by XXXX XXXX. I have records of each place the money was sent. 

On XX/XX/XXXX I received a call from the bank branch manager, XXXX XXXX. She asked me to come to the bank as we had a problem. When I got to the bank she informed me that the check for {$9900.00} was charged back to the bank. I inquired as to why the funds were released to me, the bank should have some sort of safe guard in place for things such as this. XXXX XXXX stated that the bank does but she was n't sure why the hold was n't placed on my account and that the teller that gave the money to me had been reprimanded. XXXX XXXX called me a thief and threatened to have me arrested and thrown in jail. She tried to force me to sign an agreement to repay the money. I refused, left her bank branch and contacted a lawyer. The bank as since turned me over to a collections agency. 

I was advised by my lawyer to file this complaint as the bank is at fault for not having safe guards in place to avoid things like this from happening. I also filed a police report with the XXXX Police department Incident # XXXX. 

I did not profit/benefit from this, I now know that I am a victim of a scam artist. 

Any assistance with this matter is greatly appreciated. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
First off, the app is n't working for capital one. Everytime I try to access it i do the pattern that I set up and it acts like it 's getting me in but never does. It always brings me right back our, I tryour using my passocde instead, it brings me right back to the pattern. The app just sucks. So I 'm like okay, let 's do this online. So I go online, and every time I try to access my account it says that there is a error and to try again later. I 'm seconds away from applying to another bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
Because I continue to get repeated calls ( usually starting around XXXX & repeated every 2 hours ) up to 5 times a day, EVERYDAY, from Chase Auto Finance stating that I am 2 months past due, I have blocked several of their numbers & kept notices in my phone as evidence of the many, many harassing calls. 
After speaking with several representatives over several months in an attempt to correct the billing dispute informing them that I have my records ( money order receipts/bank statements & their own contradicting statements ) verifying my account to be current, the calls continue. I have a copy of my payment history from them showing where I 've made as much as 2 or 3 payments in one month to rectify this. NOTHING. 
Another issue is that I am also receiving ( conflicting ) statements from Chase & XXXX XXXX XXXX ( who I originally sent payments to ) & problems did n't start until Chase apparently took over. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on my statement. 
I 've also received letters from Chase threatening REPOSSESION due to Contract Default.??? ( REALLY ) The agents said it 's computer generated but I told them that humans control the input & do n't understand why it 's taken so long to update my account & get this corrected. Chase & XXXX even give two disputing pay off amounts which are higher than the balance shown on mm statement. 

DATES & TIMES OF CALLS : XXXX XXXX, XXXX First started XXXX XXXX, XXXX.. 
XXXX XXXX, I CALLED BOTH COMPANIES attempting to get bill corrections. 

CALLS STARTED AGAIN & CONTINUES : XXXX XXXX, XXXX XXXX.. 
XXXX XXXX, XXXX ( TWO REPEATED CALLS ) .. 
XXXX XXXX, XXXX XXXX & XXXX XXXX.. 
XXXX. XXXX, 5 CALLS ... 
XXXX. XXXX, XXXX.. 
XXXX XXXX, ( 3 CALLS ) ; XXXX, XXXX & XXXX XXXX ... 
XXXX XXXX, ( 3 CALLS ) Last XXXX at XXXX ... 
XXXX XXXX, ( 4 CALLS ) ; 2 @ XXXX, XXXX, XXXX ... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 4 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS ) ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX @ XXXX XXXX ending @ XXXX .... 
XXXX XXXX, ( 5 CALLS ) XXXX, XXXX, XXXX, XXXX ending @ XXXX .... 
XXXX XXXX, ( 3 CALLS so far already ) XXXX, XXXX, XXXX, XXXX ....

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Big Picture Loans, LLC
State: GA

Complaint narrative:
I was not advised of the high interest at the beginning. I borrowed {$620.00} and have paid {$1300.00} dollars so far and headed toward {$3000.00} to pay back

Company response to consumer: Closed with explanation