vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JH Portfolio Debt Equities, LLC
State: MD

Complaint narrative:
I never received a phone call or any written documentation from Company, I never such heard of Company until it was reported on my Credit XX/XX/2018. I have " NO CONTRACT '' with Company. Company need to provide me with a contract bearing my signature showing I have a debt with 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
Consumer complaint received 2018-02-07 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Unexpected or other fees — 
Company: UBS BANK USA
State: CA

Complaint narrative:
I was given a gift card ( probably around XX/XX/XXXX ) for {$20.00}. I looked at it and it says ( on the front of the card ) " VALID THRU XX/XX/XXXX ''. So, I thought this is great, I can use this for an emergency ; and put it in my wallet. 

The other day I came across the card, in my wallet, and decided to verify just how much was on the card. When I put the card number in I found that it had XXXX balance. So I went on line and discovered they had taken {$2.00} out per month for the last 10 months. 

Then, I discovered, on the back of the card, ( in very small letters ) that {$2.00} would be deducted ( as an inactivity fee ) per month after 12 months of inactivity except where prohibited by law. 

I called to complain and was told that they would put in an application to have that reversed. I was told that it would take 24 to 48 hours. After 48 hours I called back and found that the balance was still XXXX. I was asked if I wanted to file a complaint, which I said I would. I was told that someone would call me ( a supervisor ). Again, nothing. 

I believe that I am not an isolated case of this type of consumer theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-07 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
I pay all my bills on time and I find it outrageous that i have a debt XXXX from a company I have no dealings with. I need answer as of why this on my credit report and why I was never contacted about this debt. I called my utilities suppliers and they have no clue of any debt because I again pay my bills on time. I will not take this lightly and I will take legal actions

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I sent a validation letter to XXXX XXXX XXXX on XX/XX/2018. They never responded with the validation request but sent another bill on XX/XX/2018. I then received a phone call asking me to verify my last 4 digits of my social security number and address. I have yet to receive validation of this account and request that it be deleted from my credit files as this is causing major issues with the home buying process.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: CA

Complaint narrative:
Freedom mortgage bought my loan in the middle of a home insurance claim from XXXX XXXX. I was not notified of the change as required by law and was never contacted.

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 2018-02-08 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: CA

Complaint narrative:
This is not a dispute for debt, this is a request to remove an address that does not belong to me.

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 2018-02-08 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: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I've attempted to call and email BBVA Compass ( call, ~XX/XX/XXXX, XX/XX/XXXX ; email XX/XX/XXXX, XX/XX/XXXX ) after my account was frozen on my request to dispute a transaction ( which I was unable to do online ). Once my account was frozen, I was unable to access my balance and transaction history. I received my new credit card in the mail XX/XX/XXXX, activated it XX/XX/XXXX, and still see no account history for this credit card. The individuals who I spoke to over the phone with BBVA were either unhelpful or outright rude. I was told ~XX/XX/XXXX that a dispute document was going to be sent to my home address, which I have yet to receive ( although I've received my credit card ). I've never dealt with a financial institution so inept and unable to answer what should be a simple problem/question. I've started to consult attorneys in the area to ensure I'm not taken advantage of. This is unprecedented behavior and I don't yet understand what is driving it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Santander Consumer USA Holdings Inc.
State: OH

Complaint narrative:
I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: TCF NATIONAL BANK
State: OH

Complaint narrative:
I had went on XXXX XXXX app to check my credit score, and I had noticed I have 29 hard inquirys on my report. Ive only allowed a couple of those inquirys.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Citi Double Cash Back Card. I made a typical balance transfer with a 0 % interest. I still used the card for regular purchases which is subject to interest. I pay the minimum payment plus the amount I spent. Unfortunately Citi still charged me interest on my new purchases. I remember that the Law protects us. That payments I make are supposed to go towards higher interest balances.

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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
Chase never sent satisfaction of payment to county. This should have been done within 90 days sixteen years ago. We did not find out until we tried to get a home equity loan. This is the only thing keeping us from closing. We have called daily, sent emails and have been lied to. We have been dealing with this since XX/XX/2017. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CL Holdings LLC
State: OH

Complaint narrative:
I have Two collection accounts listed on my credit report for the same amount. I don't feel it is fair to be able to list it twice or the reason it is being charged to me. That is why I am reaching out for help. 

It initiated with XXXX XXXX when I discontinued my service with them. It wasn't for a bill or phones that I owed, but because I discontinued 2 lines of service with them. They charged me {$840.00} for dicontinued service of 2 lines. Which is {$420.00} per line of service. 

This is outrageous and should not be allowed to be done to anyone. Please help. If I can provide any other information, please let me know. 

Thank you for your time and assistance. 
Sincerely,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA

Complaint narrative:
I had a XXXX XXXX XXXX XXXX from Capital One, which was opened in XX/XX/XXXX. Capital One closed my account after having one delinquent payment in late summer of XX/XX/XXXX, which was paid only a few days late. The Bank did not close the account until approximately two months later and did not provide me with a written correspondence either USPS nor email. I learned of the closure by attempting to use my account. Before the closure of the account, I had responded to a GM/Capital One email advertisement that I did not want to receive promotional advertisements from XXXX XXXX XXXX in XXXX, LA because the dealer had been caught rolling back the odometers on used vehicles and I would never purchase anything from that dealership. I telephoned customer service inquiring the problems making a purchase and that was when I was notified the account had been closed. According to the XXXX XXXX XXXX allowed 5 % of all purchases to be credited to a rewards account in dollars to be used towards the purchase of a XXXX vehicle or service. Upon closure of the account, the consumer has up to 90 days to use the accumulated rewards at a XXXX vendor ; otherwise, the reward amount collected is forfeited. Keep in mind that the account was closed in good condition and current status. During the customer service phone call, I complained that since Capital One had closed the account without any formal notification and without cause since it was in current status along with my other three Capital Once accounts, Capital One was basically attempting to force me in to the purchase a new GM vehicle or lose the accumulated reward dollars that was just over {$290.00} & change. I demanded to speak with Executive Level Management because I was not in any financial position to purchase a new GM vehicle and since Capital One closed my account without proper legal notification, I demanded that the accumulated reward dollars be sent to me in the form of a check or credited to the balance of the account. My name and number was taken by the representative and informed me that I would be receiving a telephone call from an Executive Member within 48 hours ; however, that call never came and I have since stopped paying on the account because Capital One had committed consumer fraud and theft of a the accumulated reward dollars, as far as I was concerned. Since then, my financial status has fallen on extremely hard times and I am in the process of filing for bankruptcy still with an unsettled claim for XXXX XXXX XXXX Rewards paid to me. As far as I am concerned, Capital One has intentionally stolen my Rewards of just over {$290.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Meridian Financial Services, Inc.
State: TX

Complaint narrative:
XXXX XXXX XXXX sent my account straight to Meridian Financial collection services but they never sent me an initial bill ( no email, phone call or voice mail ). The only notice I received was from Meridian via the US postal service. If they were able to find me, I don't know why XXXX wasn't able to. 
Once I investigated what may have happened, I paid Meridian immediately ( including their collection fees ) in full, 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 non-monetary relief
Consumer complaint received 2018-02-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
was paid for work with money order from western union for work on a car. called western union to make sure the money orders where good. they told me yes. i asked them about the possibility of them putting a stop payment on them after i took them as payment and western union said that as long as i had both the money order and the receipt of the money orders that they couldnt put a stop payment on them. the next day i went down and cashed one of the money orders with no problem. about two weeks later i went to cash the other one and they told me it was no good and that i owed them XXXX for the one i cashed. i tried for months to solve the problem with western union but with no luck. finally they told me they were having a hearing on the validity of my complaint and to get a hold of them in a couple weeks. when i did they said that they were not gtoing to pay me and that i still owed them the XXXX i figured i got ripped off. i kept the money order and just ran across it the other day ande my girl friend talked me into following up on getting paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Georgia Student Finance Authority
State: GA

Complaint narrative:
passed 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: TX

Complaint narrative:
I am a victim of hurricane Harvey in Texas. I was given a generous insurance settlement from my flood insurance company for the purpose of repairing my home. I promptly sent my insurance checks to Fay servicing company to be placed in an escrow account so that I could gradually start rebuilding my home. Fay Servicing acknowledged receiving the two signed checks. Here is the issue, Fay servicing is refusing to allow me to act as my own general contractor so that I can get my home repaired. I have Loss draft information sent from their company clearly stating that I can as my own general contractor as long  as I follow the guidelines established by them and provide adequate documentation receipts and home Inspections done by them. Fay  servicing is insisting that I hire a licensed general contractor to even purchase kitchen cabinets, a refrigerator, tile. Under no circumstances can I make any purchases or repairs without the umbrella of the licensed contractor that they insist on. 

I have asked them to please give me information in writing stating that I must work under a contractor, they have flatly refused. I asked if I could hire my own AC licensed person, they refused. They even refused to provide the initial monies to do demolition to my home which resulted in mold build up, I have not been allowed to replace my AC. 
All of the items that I listed are clearly supported on my adjustors report s things that I need to have done. They finally agreed to reimburse me for the refrigerator and tile after sending me a threating letter that this will never be allowed again, I have the letter to submit to you. 

I continue to ask that the policies they are trying to inflict are me should be sent to me in writing, they state that I am not privilidged to certain sensitive information. I was also told that the any amount left over after repairs were done would be automatically used to pay my mortgage down. My concerns is this, how can that be legal? 

The only resolution I have been able to get from them is another mortgage person who tells me the same thing that the previous one said. 

I gave them a logical reason for wanting to complete my house slowly without a full team of contractors in here, I am currently receiving XXXX for XXXX and I can not withstand the dust, chaos and stress at this time. I simply wanted to complete one room at a time until finished

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: On-Site Manager, Inc.
State: CA

Complaint narrative:
I have a hard inquiry on my XXXX score report which I don't why it has happened. I have called the company but get stuck in automatic reply. I am trying to fix the untreated reports before applying for a new credit card. I appreciate if you can help me to remove this hard inquiry from my account to improve my score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: BREMER BANK, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bremer Bank, XXXX, WI had safety deposit box for my mother, closed it and sent back 2 keys, 3 years ago but they keep charging me. 

Couldn't open a bank acct here because of it. 

Thrtough my mothers probate through a court they asked for debts for 60 days and no one filed claims yet I'm not allowed to open my own bank acct now.

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 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: VA

Complaint narrative:
XXXX  XXXX account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 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: Nelnet, Inc.
State: GA

Complaint narrative:
passed 7 years

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one account fraudulently opened in my name, was placed with collections. Refuses to close and delete collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
this company has been calling me every single day, both on my phone and my cell phone since XXXX XXXX, 2018- for no reason. I make all my payments on time the message says, " this is a private matter, please call me back '' so unprofessional, unethical. how do we make them stop calling me?

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 2018-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NJ

Complaint narrative:
On XX/XX/2017 I prepaid my property taxes in the amount of {$5500.00}. I promptly called SLS the same day, spoke with a rep who asked me to upload a copy of the receipt I received as proof of payment. The same rep acknowledged receipt of the proof of payment while I was on the phone and said within 7 days I should get a call back. 

Shortly after the XX/XX/XXXX, I called XXXX back and was told an escrow analysis will be conducted and I should get a check in the mail in about three weeks for the escrow balance. 

I called SLS again on XX/XX/XXXX and spoke with XXXX, teller ID # XXXX, on a recorded line, who confirmed all the above facts ( I asked him to walk through the details purposely to ensure the facts were clear ). XXXX could not advise why the escrow analysis was not done, why no check was sent to me, and asked I give him until close of business XXXX for a return phone call before filing a complaint with the CFPB. I received no such phone call from SLS. 

All calls with SLS are on a recorded line, and after multiple attempts at trying to resolve this with SLS, the CFPB is my only recourse here. SLS has a pattern and practice of mortgage servicing weaknesses, I have to had to file a previous complaint concerning improper withholding of PMI. Thanks in advance for your help.

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 2018-02-08 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Have written in to Experian and XXXX  concerning invalid items reported on credit report and they refuse to remove non account holding inquires and 3 accounts : XXXX/XXXX, XXXX XXXX XXXX XXXX XXXX XXXXXXXX ( not my account, companies do not have contracts and have been unverified ) and Chapter XXXX bankruptcy the bankruptcy has invalid date reporting and the following inquires were not done by me : XXXX, XXXX XXXX , XXXX XXXX , XXXX XXXX, XXXX card, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX , XXXX XXXX, XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX, XXXX XXXX, XXXX , XXXX , and 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