vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-08 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
I tried to purchase an XXXX w installments from a line of credit. I thought the line of credit comes through XXXX, but apparently it's Citizens bank. Citizens bank declined my application saying I have a poor history with them. I have no clue what they're talking about. I've never used them before in my life. I'd done XXXX payment for phones up until my last one and I'd never had any notice sent to me from XXXX suggesting I was not paying them for the phone. In fact, I'd had my phone usable and now available to have XXXX care until XX/XX/2019. I'm showing proof of these realities. None of these realities elicit any concern w citizens bank or nonpayment history. I'd gotten no mail, no emails, no notices of any kind for citizens and somehow Citizens says I have bad payment history them? It makes no sense. I get notices from apple pay within hours or days of any issue with my card, and I update it immediately and I'd seen charges for XXXX and bought plenty of apple products with no problem. I have thousands of dollars cash and not one credit card of mine has ever been late in payment. Why would I have a payment problem with Citizens?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: GA

Complaint narrative:
The end of XX/XX/2019, I submitted a complaint ( XXXX ) to ask for assistance with regards to the amount the mortgage company was stating that I was behind, and furthermore, increasing my mortgage payments from what I had established with XXXX previously. In the documentation I received from Bayview, it showed increases in payments due to escrow charges. I was not aware of these increases - I didn't verify charges by the insurance company or state / local taxes - lesson learned. In the complaint I also stated that I anticipated having the issues resolved within two weeks because of a car accident settlement. What I did not anticipate was XXXX XXXX refusing to provide accommodations for my XXXX and taking almost two months to pay the settlement, and then, after they " cut the checks '', they delayed mailing them out such that I didn't receive them until the XX/XX/XXXX Once received, I immediately scheduled payments to Bayview for all the back months ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and current months ( XX/XX/XXXX and XX/XX/XXXX ). All payments were received by Bayview on the XX/XX/XXXX ; I presumed that I would have the opportunity to work out any other extraneous expenses for the lateness, but instead, the payments were returned - all five! I then began receiving phone calls and things in the mail about the foreclosure and my house being auctioned off. Secondary to all this, is the main breaker blew the XX/XX/XXXX, and it took until the beginning of XX/XX/XXXX for me to save the money to replace it, so I chose to replace it instead of paying the mortgage, thinking the temp agency would find me another assignment and also thinking that XXXX XXXX would pay the settlement in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: MD

Complaint narrative:
I am been disputing the account appearing on my report for over a year now in which it has been unsuccessful. They are violating the FCRA by reporting inaccurate and false information and continue to mention how it is valid. I sent disputes on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. Spoke with the original creditor on XX/XX/2019 and XX/XX/XXXX. Now I am submitting an additional attempt in order to get this removed as they are violating my rights with continuing to report inaccurate information. I have included screen shots of all the disputes with mentioning how the account must be removed due to their inaccuracies and they continue to refuse on removing the account which is my legal right per the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: Santander Consumer USA Holdings Inc.
State: MI

Complaint narrative:
I had a lease for a XX/XX/XXXX XXXX XXXX with Chrysler Capital - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Consumer Portfolio Services, Inc.
State: MI

Complaint narrative:
My husband and I took out a loan for a used care with Consumer Portfolio Services in XX/XX/XXXX. The terms of the loan were explained as a 72 month loan. During the course of the loan, we did extend the loan by changing the date and putting payments off to the end of the loan on several occasions. The loan was to originally mature in XX/XX/XXXX but was extended to XX/XX/XXXX. My loan is current and I technically have 3 payments left and late fees that we have accrued, that I can not and will not dispute. Once the loan matures and the late fees are paid, Consumer Portfolio Services states that I will still have an outstanding balance of over {$4000.00} of extra interest that has accrued due to the 10 month extension. 
After talking with the company on XX/XX/XXXX, they informed me that the extra {$4000.00} dollars accrued due to the fact that we have a loan that accrues daily interest. We were mis-informed about this when signing the loan back in XX/XX/XXXX. We were lead to believe that the loan would be paid in full once 72 payments had been received. 
We have already been charged an astronomical amount of interest due to CPS being a sub-prime borrower, and now they add an additional {$4000.00} in interest, that continues to accrue daily. We will never be able to pay this off, if the interest accrues on a daily basis. These subprime lenders are taking thousands of extra money from people that can not afford it to begin with. Our circumstances occurred due to a job loss and lay off, and we do not typically have this problem with paying our bills. I do not want to have to pay an additional {$4000.00} on top of what we have already paid. How can we resolve this without hurting my credit or having a repossession if we can not pay this extra?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is reporting incorrectly to Equifax a collection of {$2500.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
XX/XX/2019 I received a Balance Transfer offer and preprinted checks from CITI for my master card. However, I also received balance transfer offers and checks for two other consumers in the same envelope. I called and spoke with CITI regarding this matter on XX/XX/2019 expressing my concern that the two other consumers or any other consumer may have received my balance transfer information and checks which have my name, address, last four digits of my account number etc .... They did state that no activity had occurred on my account and to remedy the issue they asked me to send back the offer checks for the other consumers that I had received. It wasn't until I requested a freeze on my account that anything protecting my information was done.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: Fidelity National Financial, Inc
State: CO

Complaint narrative:
To Whom It May Concern, XX/XX/XXXX my Dad passed away unexpectedly. I am the Personal Representative of his Estate ( Letters Testamentary attached ). We determined it best to sell my Dads businesses and it is that sale that I am writing you about. As the Estate of XXXX XXXX, we were half owners of the businesses per the Operating Agreement ( I have included the Operating Agreement ). We were excluded from all aspects of his businesses, financials,  distributions and the closing, which XXXX XXXX, the Real Estate Broker ( XXXX XXXX XXXX ), XXXX XXXX Attorney XXXX XXXX and the Title Company orchestrated closing a day early and did not notify or disclose to the Estate or update the disclosure documents ( attached ). I called and emailed Fidelity National Title ( email attached ) requesting the location of the closing and letting them know XXXX XXXX does not have the authority to represent the Estate.  As a matter of fact, XXXX XXXX 's email confirming the closing date of XX/XX/XXXX is attached. The day after the secret closing the Estates attorney had me sign a document stating XXXX XXXX could sign on the Estates behalf, which is dated AFTER THE CLOSING OCCURRED and after XXXX XXXX dated the closing documents. The Estates attorney told me if I did not sign that the deal would not close. XXXX XXXX left the closing with the Estates proceeds, forcing the Estate to take legal action and incur extensive legal fees. 

Please also note on the Fidelity National Title Sellers Settlement Statement the Closing Date and Disbursement date are listed as XX/XX/XXXX, yet the signatures of XXXX XXXX, XXXX XXXX Fidelity National Title, and XXXX XXXX are all XX/XX/XXXX. The Disclosure document was never updated and the Estate of XXXX XXXX was never updated or notified. 

I believe kickbacks and fraud are why the Estate was excluded from the closing and why the closing was performed in secret and moved up a day early. 

Sincerely, XXXX XXXX PR, Estate of XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I have to XXXX XXXX set up my paperwork from # XXXX national credit adjusters   address XX/XX/XXXX XXXX XXXX XXXX XXXX ca XXXX I agreed it XX/XX/XXXX to XX/XX/XXXX final XX/XX/XXXX someone called me bother stop finance and chase to that like try threat XXXX and let you know it I take now set up please stop me bother us I am XXXX only my car sleep is rough thx

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
Bank of America -- My husband and I are XXXX XXXX XXXX, currently stationed at the XXXX XXXX in XXXX. On Friday and Saturday ( XX/XX/XXXX-XX/XX/XXXX ) my husband was unable to access his savings account online. He waited till Monday ( XX/XX/XXXX ) to call Bank of America customer service, re : this issue, as that was when main customer service is open. They informed him they had closed the account and they had the right to do this, with no notice or recourse, as per the terms of the policy when he opened the account. A check would be mailed to his home-of-record address, but no time-frame was given. When I inquired about the status of our joint checking account ( which we have held for the past 25 years ), I was told it was scheduled to be closed, but they were unable to tell me when or why ( same story as above ). I asked to speak to a manager and was disconnected. I called back and was told the " Risk Management team '' saw foreign transactions in the account and decided to close it as a " business decision ''. I explained I am a XXXX XXXX XXXX and have served most of my 18-year career outside the US, so there were bound to be foreign transactions. I also told them that a check, sent to my home of record ( my aunt 's house ) would not get to me for 4-6 weeks and this would cause great difficulty, with no access to my funds for such a lengthy period of time and 2 business trips fast approaching. I again asked to speak to a manager. Again, I received the same speech about them having the right to close the account at any time. Again, I was disconnected.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have asked Discover Card, repeatedly, to stop marketing to me. I have told them I don't want their " convenience checks '' in the mail, and I have asked them to stop sending me their " Discover Bank '' unsolicited loan " offers. '' I even went so far as to CLOSE my account with them recently. But, when I told them the main reason I was closing my account was to get them to stop harassing me with their unsolicited loan offers, they had the temerity to tell me that the loan offers come from " Discover Bank '' and wouldn't stop even if I closed my credit account. They said they would transfer me to them to " request '' they stop, but instead they dropped the issue and ignored me. I have had enough. I have asked them over and over again to stop marketing to me, and they ignore me. At this point I wouldn't take a FREE loan from them. It seems like they are sending their obnoxious loan offers out of malice at this point, than anything else, as they can not possibly think I would do business with them now.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-08 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: MD

Complaint narrative:
I am been disputing the account appearing on my report for over a year now in which it has been unsuccessful. They are violating the FCRA by reporting inaccurate and false information and continue to mention how it is valid. I sent disputes on XX/XX/2019, XX/XX/2019, XX/XX/2019, XX/XX/2019. Spoke with the original creditor on XX/XX/2019 and XX/XX/XXXX. Now I am submitting an additional attempt in order to get this removed as they are violating my rights with continuing to report inaccurate information. I have included screen shots of all the disputes with mentioning how the account must be removed due to their inaccuracies and they continue to refuse on removing the account which is my legal right per the FCRA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
+HAVE CONTACTED CREDIT BUREAUS ON NUMEROUS OCCASIONS TO HAVE INCORRECT OR OUTDATED PERSONAL INFORMATION REMOVED, HOWEVER THEY ARE REFUSING TO REMOVE THE INFORMATION STATING THAT ITEMS COME BACK VALIDATED EVEN THOUGH THE INFORMATION IS CORRECT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: MI

Complaint narrative:
I had a lease for a XXXX XXXX XXXX with XXXX XXXX - account # XXXX. 

I recently checked my credit report and there was a 90 day late on my credit report for this account. 

I was NEVER late on my payments and turned this in without issues. 

This 90 day late is severely impacting my credit score. There is no date for when they claim the late payment was. This is incorrect information and I a requesting for it to be cleared.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I opened a new account at citizens bank on XX/XX/XXXX. I was not told when I opened it ; however, when I called them today, I was told that it was in the fine print I signed regarding a mandatory 27 day hold on all checks deposited in a new account. I began to inquire because this could cause my auto pay to have insufficient funds. From here, the inconsistencys began to spiral. I was told all checks must follow this federal regulation and there is no leeway the bank has on this. Ironically enough two of the checks were available within 48 hours. The third check, which was a larger amount, is still not available. All three checks were done on mobile banking consecutively. When I called today, I am told they can see it cleared from my bank and the fund are there but not available until the 27 day hold is up. Frustrated with the inconsistency, I contacted to federal reserve board. The gentleman I spoke to there stated, if the bank knew the funds were there, they could release the hold. This definitely seems like a problem with inconsistencies, incorrect information and unfamiliarity with the federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-08 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: BARCLAYS BANK DELAWARE
State: MA

Complaint narrative:
On XX/XX/2019 : I received correspondence that XXXX had ceased operations. They defaulted on providing a service in the form of a hotel reservation at XXXX XXXX in XXXX XXXX for {$260.00}. I called the hotel to confirm if a reservation under my name, XXXX XXXX, existed for XX/XX/XXXX, which they confirmed did not exist. Attempts to reach XXXX went unanswered. 

Over the next week, I sent a written correspondence to Barclays Customer Service to dispute and cancel the {$260.00} transaction at XXXX because the service provider defaulted on providing the hotel reservation service and ceased to exist. 

On XX/XX/2019 : I followed up with Barclays Customer Service ( BCS ) on the correspondence and the status of the disputed charge. Barclays Customer Service referred me to the dispute department, which I immediately called. Barclays Dispute Department told me that the dispute had been declined, but that I had the option of paper mailing them additional details. I was dissatisfied with this because I had already mailed them the information with the email from XXXX. I contacted BCS again to no avail. Please see attached correspondences for additional details.

Barclays Dispute Department substantiated that they could not go through with the dispute because the transaction involved a third party. 

On XX/XX/2019 : I emailed XXXX XXXX, a Sr. Manager of customer experience ( information posted on XXXX  ) in a written letter expressing my dissatisfaction with the customer service experience and brought up Barclay 's Chargeback protection policy as a potentially valid means to resolve this dispute. Please see attached letter for additional details. 

On XX/XX/2019 : I received a call from Barclays phone number XXXX from a person claiming to be a manager in the dispute department. I reiterated Barclay 's Chargeback protection policy in order to resolve the dispute, however the manager stated that the Chargeback protection was still not valid for this case. Shortly after, the call got dropped. 

At this point, I firmly believe that Barclay 's Chargeback protection is valid for this transaction due to the following reasons : 1 ) The purchase was made using their credit card 2 ) The services were not provided by the vendor.

3 ) I am within the 120 day time limit.

I cite the Barclay 's website on Chargeback protection : https : //www.barclaycard.co.uk/XXXX And also cite the example of " XXXX '' and how it relates to my case. I believe I have made every effort to act in good faith and be communicative in trying to resolve this dispute. Please see attached documents for all logged correspondences and details.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-08 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX is reporting incorrectly to Equifax a collection of {$1300.00} on the XXXX partial account number XXXX. ( Please see page attached from my credit report. ) The balance is wrong. I returned all of the equipment back to XXXX and therefore there is no outstanding balance to report. This account needs to be removed from collections. This false reporting of a collection is seriously harming my credit score. I have contacted the bureau to remove this item however, I have not been successful.

Company response to consumer: Closed with explanation