vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
I XXXX XXXX XXXX am writing a complaint on SPS because they called my homeowener insurance company XXXX XXXX on XXXX XXXX. SPS told my insurance company to send me a threatening letter about charging me doubling insurance because I refuse to do a short sale. SPS also told them to cancel my homeowners insurance policy because they wanted all the furniture and personal items in my house to be lost/stolen and would not replaced. Finally they told XXXX from XXXX XXXX/Investor to come by house to tell me to get out. Please verify with XXXX @ XXXX I have called the police on XXXX. If SPS sends XXXX and any other mortgage company I will send the authorities to SPS Inc. in XXXX XXXX XXXX UT. I want the foreclosure sale date stopped or I will file a lawsuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: IN

Complaint narrative:
Lexis Nexis is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Conduent Incorporated
State: AL

Complaint narrative:
My card keeps being denied even though there is money in my account. It is nearly impossible to speak to a live person. I lucked up and found a web site that give instructions to beat the automated loop and get to an operator. Took 3 hours but I finally got someone, 1 hour on the phone with them reading scripts and putting me on hold only to end up saying they did not have an answer for me. Ask for supervisor, stayed on hold 2 hours until my phone went dead. I have no way to access the money in my account because the card is denied every time I try to use it. Even if I try to pay online by typing in the numbers. This is my child support and I have bills to pay. The state forces us to get the CS this way yet we have no way to access our money. CRAZY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX is reporting an inaccurate listing of a Chapter XXXX and Chapter XXXX Bankruptcy on my credit report. Furthermore, I reached out to the Indiana Bankruptcy court and they provided me documentation that they do not give any third party 's or companies information, and they don't report bankruptcies to any credit bureau. They refuse to remove this inaccurate information or provide the verification method.

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 2019-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
Back in XX/XX/XXXX, I purchased a new mattress from Mattress Firm. Against my better judgement, I decided to open a credit card financed by Synchrony to pay for it instead of one of my other cards since there was a promotion of no interest being charged. The credit line was for {$1200.00}. I paid every month, electronically and on time. Back in XXXX  of this year ( XXXX ) I was notified that they decreased my limit ( and left me with {$30.00} credit ) because they pulled my credit report and saw that the score was low ... My score is higher now than it was last year when I got the card!! I contacted them and got the same canned response. My credit reports are fine, and like I said the score is higher. I ended up paying the whole card in full. I heard before opening the card some consumers complained, but decided to take a chance anyways with the promotion being interest free. All I want is to close the account, but wanted to file a complaint first in case the account needed to be open. I want them to remove themselves from my credit report when I close the account. I'll never do business with these crooks again.

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 2019-07-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Tate and Kirlin Assoc
State: OH

Complaint narrative:
My husband and I are being harassed by Tate & Kirlin Associate 's, Inc,  in the amount of {$180.00}. 

The address listed for them is XXXX XXXX XXXX, XXXX XXXX, XXXX PA, XXXX. 

The original creditor is XXXX XXXX XXXX and lists a current creditor of XXXX XXXX. 

This bill was discharged in a bankruptcy in the 1990 's. XXXX XXXX is no longer in business, the new company 's name is XXXX XXXX XXXX. 

I sent a certified letter to Tate & Kirlin, attention of the President of the Legal Department disputing the debt. The certified notice was signed for. 

I explained the situation in detail and requested the original contract verification, dates and payment history. I followed up and they refused to discuss it and refused to put me in direct contact with the President of the company. 

I then sent a certified letter to XXXX XXXX  XXXXXXXX XXXX  Corporate Office, XXXX XXXX XXXX XXXX, XXXX IN, XXXX, attention President of the Legal Department which was also signed for. 

I explained the same thing in detail and requested the same information. I followed up and again, they would not discuss the debt and refused to put me in direct contact with the President. 

The debt is submitted on our Credit Reports every single month. My husband 's Credit Report states paid in full and also states as an outstanding bill. 

My Credit Report states as outstanding and does not state paid in full. I also disputed this debt with all Credit Reporting Agencies, to no avail. We do not owe this debt. No one will help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: OK

Complaint narrative:
I was previously employed with XXXX from XXXX, and after my separation from the company I decided to pay some credit cards off, with my XXXX credit card being one. I paid it off on XX/XX/19 to help my credit score, and eliminate a monthly payment. Today, XX/XX/19, I was looking over my accounts as I do regularly, and I noticed that my XXXX account showed a {$0.00} balance, but there was no available credit, so I called the number on the back of my card. I spoke with a representative, and they said my account was closed because of my credit report. One, I didnt request a limit increase, so why were they running my credit without my consent? Two, I made all of my payments on time, so I wasnt a bad or irresponsible customer. Three, my credit score increased due to paying off the cards that I did. I need a good explanation as to why they shut my account down, hurting my credit score, because from where I sit I feel I am being retaliated against for separating from the company.

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 2019-07-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Misleading Advertisement offering 0 % apr for 15 months on purchases. Sent an identical card that charges 25.74 % on purchases

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: STERLING JEWELERS, INC.
State: NJ

Complaint narrative:
Made original purchase on account on or about XX/XX/2019, returned one item on or about XX/XX/2019, made all required minimum payments on time. The original purchase mentioned above was made as an one year interest free promotion, I have so far followed all terms imposed by the creditor. On or about, the statement of XX/XX/2019, the credit card company transferred approximately {$840.00} as a regular purchase. Additionally, was billed a finance charge of {$21.00} which was not supposed to have happened. 

Retail establishment is Jared Jewelers, cardholder management maintained by XXXX XXXX XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I answered all the identifying questions. And then it denied me access, to Equifax AND XX/XX/XXXX. 
I had no trouble at all with XXXX XXXX. 
I think the other two have inaccurate answers to the questions they are asking of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I disputed through cfpb and the company i disputed said on the cfpb portal that the items in dispute are no longer on my report and that is not true. Equifax will take unverifiable information off a credit report is in dispute and then pkace it back without providing the necessary documents to do so and they keep practicing it with my file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I answered all the identifying questions. And then it denied me access, to XXXX AND Experian. 
I had no trouble at all with XXXX XXXX. 
I think the other two have inaccurate answers to the questions they are asking of 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 2019-07-08 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Transunion is using third party to verify my information FCRA, 15 U.S.C 1681 The company them selves have to verify the information and they do not do so. I have a right to get verifying proof Transunion to make sure they are complying with the law. As of XX/XX/2018 the company is not complying to help protect my credit file. The company thinks they can verify information and not tell me how they came up with the information.

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 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have several Citi credit cards and applied for them due to benefits associated with the account such as car rental insurance, trip cancellation coverage, baggage protection, etc. I paid annual fees, got inquiries put on my credit, and had new accounts put on my credit. This was to find out that there is actually no insurance on my credit cards starting XX/XX/2019 - they are stripping all advertised benefits. This is false advertising and consumers are being hurt in a devastating way. Citi can not be allowed to advertise these benefits then remove them after consumers have taken a hit to their wallets and credit to get 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 2019-07-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: WATERSTONE MORTGAGE CORPORATION
State: AZ

Complaint narrative:
Waterstones Mortgage used 2 different closing documents and forged my signature. Furthermore, they included a fraudulent termite report and as a way to try and cover their tracks, they listed it as a concession for the inspection fee. This is just a small portion of what they did and it has seriously impacted me. The dollar amount is high and they stole money by alleging the funds were for property taxes, HOA fees, and disclosures that were never given to me. The advanced fees collected on my loan were supposed to pay for escrowed items. They collected my money but never paid taxes, HOA fees, or insurance premiums.

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 2019-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have an online acct with bbva and im locked out of my acct. Someone must have hacked my acct because the recovery phone number was changed. Ive called at least 7 time and spent hours trying to get my acct back that has all my money. I told them the debit card was gone. They will not even block my acct or turn the card off. I need help. They say i have to drive to central fl where there branch is to prove im me. I can answer any? Or verify whatever they want. I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Received monthly statement for LLBean MasterCard issued by Citibank, NA, which included {$1.00} in interest charges. Called credit card customer service line on XX/XX/19 for explanation. Agent and her supervisor could not provide reason for charge and supervisor reviewed statements for prior 3 months to look for an explanation. All of my monthly payments have been paid on time. Unable to provide an explanation, the customer service rep cited a bank error. Amount credited. Concerned others may also be charged this fee by this businesss deceptive practices. Canceled credit card since company could not explain this charge. If every one of its customers is charged {$1.00}, {$2.00}, or {$3.00} in fantom interest charges, this amounts to a substantial windfall for this company. Please investigate for deceptive practices.

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 2019-07-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: D&A Services, LLC
State: IL

Complaint narrative:
On XX/XX/2019, D & A Services sent a letter stating that XXXX XXXX was their client for a debt balance {$3300.00}. D & A Services stated they were authorized to accept {$1000.00} on behalf of their client, due XX/XX/2019 as settlement in full. I sent {$1000.00} to D & A Services to settle this account in full and XXXX confirmed my payment was delivered to D & A Services located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, IL, XXXX XX/XX/2019 at XXXX Central and signed by XXXX . 

On XX/XX/2019, D & A Services contacted me by phone and said I owed a balance of {$2300.00}. I explained that I received a letter from their office XX/XX/2019 outlining the settlement in full. The agent said I was short {$44.00} and therefore owed the remaining balance. I asked, " why would they send a letter stating {$1000.00} was settlement in full, if I supposedly owed more than that amount? Also, I paid {$1000.00} toward this final payment. '' The agent said the letter I received from their office was not valid. I asked, " how is that possible? It is on your company letterhead and sent from your company? '' He did not have an answer and continued to deny that my letter was valid. Also, I never received a letter from D & A Services to verify this new amount due of {$2300.00}. 

I checked my three credit reports and XXXX XXXX has listed a balance in collections {$2300.00} as outstanding. I am disputing that a balance {$2300.00} is past due with XXXX since this was settled in full per the terms outlined in the letter sent by D & A Services XX/XX/2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: Rosebud Economic Development Corporation
State: FL

Complaint narrative:
XX/XX/, 2019 : I received {$400.00} payday loan from www.zocaloans.com XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : Zoca withdrew {$120.00} XX/XX/XXXX : I called and asked the receptionist to take the entire amount. She stated the amount would be {$490.00}. I told her I already paid {$370.00}. The contract stated my payment will reduce if paid in full. 
XX/XX/XXXX : Zoca withdrew {$120.00} Instead of taken the full amount.

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 2019-07-08 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: CITIBANK, N.A.
State: CT

Complaint narrative:
Recently I learned that Citi is stripping almost all of the benefits from their credit cards, such as car rental insurance, return protection and price rewind. They promised these benefits when I signed up for the card and they should not be able to be removed in such an arbitrary and harmful manner. Citi is showing itself to be a poor corporate citizen who is unconcerned with the welfare and wellbeing of its customers.

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 2019-07-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Contacted, XXXX, Experian, and XXXX about a HIPAA violation, neither initiated a dispute over the phone.

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 2019-07-08 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a Capital one credit card I was making a XXXX $ dollar minimum payment, without notice my minimum had raised to XXXX $ I allowed it to be okay. I asked for a credit increase over the phone and through the app and never received it with over 28 months of good payments. XX/XX/2019 I got a email from XXXX XXXX saying have a 30 day late payment I have spoken to the support and not willing to help, I never received any calls about having any late payments or missing any due dates like every other bank, my automated checking account have error and possible it never made a payment I have a family and sometimes you forget about things if this is true. Recently my wife and I inquired about a FHA mortgage loan with this bank my score was effected 37 points for this can you please understand and help me remove this error.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-08 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
XXXX  XXXX has been reporting for years a phone that was returned to XXXX, and which was sold to me through a scam offer in the XXXX mall. I need to use my claim calls for my account to be removed from my credit bureaus. 
SW Credit Systems L ... por XXXX $ In my inquiry, I wish that all the money and the damages that this has caused in my credit be returned to me. Thank you

Company response to consumer: Closed with explanation