vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
since SPS has been servicing the loan ; its been a nightmare SPS does a bpo of my home every 3 months they never dispute the value each valuation is way out of range and too high from the realtor its never corrected SPS uses wrong valuation and do not account for the affordability over and over again

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Synergetic Communication Inc
State: MI

Complaint narrative:
Synergetic Communications, incXXXX XXXX XXXX. XXXX # XXXX, XXXX, TX XXXX. 
www.syncomcorp.net, Phone : XXXX XXXX XXXX, FAX : XXXX XXXX XXXX Original Creditor XXXX XXXX XXXX. Debt written off XX/XX/2001. 

They are sending notices out to people for debt collection. Of course most people with debt can not read, write or let alone understand the law of statute of limitations. 

Not until the 2nd paragraph of the debt collection notice in exceptionally small print does it state : " This debt is too old for you to be sued in court as the statute of limitations has expired, and you can't be require to pay it trough a law suit. '' Here is the worst, note : the last bit of this sentence, " and you can't be required to pay it through a lawsuit. '' I have a degree in English Literature. And I found that last little bit in that sentence was confusing. Can you imagine the illiterate trying to decipher this?

Thank you very much for your help and please thank XXXX XXXX for working across the isle to create this agency.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Capital One Bank # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hello, On XXXX the XXXX 2019 I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) from the original account holder and Experian. Experian didn't investigate or provide me any prove this was my account. There failure to positively verify this account has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, they must remove the account listed below. 

I demand the following accounts be verified or removed. 

Name of Account Account Number Provide Physical Verification XXXX XXXX XXXX Unverified Account

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 2019-08-01 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I was shopping for a A/C unit on XXXX XXXX place. I came across with an ad about XXXX XXXX unit for {$85.00}. I decided to make the purchase, after finhesed the payment, the website freeze and didn't allow me to create an account to track my order, I didn't receive any email about the purchase confirmation. I tried to get back to the same ad and website and I couldn't find the same again. Since that day and now XX/XX/XXXX. XXXX still showing some ad with the same product and same price. I saved more than 5 website with the same layout same deal, exactly the same but with different title/name. All those website doesn't show you any phone number to contact. The only way for costumer service is by this e-mail : XXXX. I XXXX this email.adress and show up a bunch of warning of scam. People saying that bought items and never received. Show up more than 5 website using the same email as a costumer service email. It's totally a scam. And I couldn't get my dispute resolve properly and so far I didn't receive anything from the seller and they don't reply my emails that I sent.

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 2019-08-01 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that is innaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.

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 2019-08-01 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: I.C. System, Inc.
State: AZ

Complaint narrative:
XXXX has jacked up my bill from a legitimate amount of {$1000.00}, against which I have paid money, to a grand total in excess of $ XXXX, while not crediting me for payments made. 

Further, an understanding was reached with aprior collection Company that XXXX retained. I offered to make recurring payments. They couldn't take them. They agreed to call me on a monthly basis to obtain payments. They called me once, and payment was made. You do not even reflect that payment. XXXX does. 

IC Systems then took the account ; did not acknowledge payments made ; and made a derogatory report to the Credit Bureaus. They also added yet another {$400.00} charge to an already overstated and inflated bill. The situation will likely end me up in a bankruptcy.

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 2019-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX  # XXXX is reporting a late in XX/XX/19 that is inaccurate. I attempted to pay this multiple times online and it showed that it went through, it wasn't until later that I got a notice that I was late. This is their fault, not mine.

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 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FCC Finance, LLC
State: TX

Complaint narrative:
I am a former employee and witnessed daily violations while employed at FCC Finance and a lot of the consumer complaints are valid. Management was made aware of these violations on many occasions and either failed to address them or only address them when a complaint was filed. I witnessed FCC threaten to sue a customer for an old debt after the customer called in to settle his debt in good faith. While employed we were constantly told to call the customers several times a day and sometimes several times an hour. The goal was to wear the customer down into paying us. This is just a small sample of the FDCPA, SCRA and FCRA violations I witnessed while employed at FCC Finance.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 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: NC

Complaint narrative:
XXXX XXXX XXXX # XXXX is reporting a late in XXXX that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-01 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:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.

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 2019-08-01 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:
XXXX XXXX XXXX # XXXX is reporting a late in XX/XX/19 that I shouldn't have. I was not late and didn't even know I had a balance nor did I get a bill. The moment I found out about it I paid it.

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 2019-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BROKER SOLUTIONS, INC.
State: CA

Complaint narrative:
I am in a loan modification with New American Funding. I received a call from XXXX XXXX - XXXX, claiming to be with New American Customer Care, Loan Modification department, on or about XX/XX/2019. He instructed me that my account was transferred to his department for a modification, and I must make my payments to his office. I paid him on XX/XX/2019, and XX/XX/2019, each time in the amount of {$2300.00}, using XXXX XXXX XXXX cards purchased through XXXX Since then I have spoken directly with New American Funding who said they never heard of him, and my account has not been credited. When he called me this morning, he told me to cancel the payment I made today directly to New American, and send the money to him, or else the Loan Modification will be cancelled. Then I had a call from XXXX XXXX at XXXX, who said he was also with New American Funding Customer Care, and I had better contact XXXX XXXX and straighten the payment situation, or the modification will be cancelled, and I will have to make up the several back payments which I can not make.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Date : XX/XX/2019. 
Complainant ( Bank Customer - XXXX XXXX XXXX - XXXX XXXX / XXXX ) is having a Serious Issue of Harassment, violations of Several Banking Policies, and Regulations, and Inability to Close his almost 2yr old Bank Account, based on XXXX Harassment, Violations of the Civil Rights Act of 1964, and Change of Banking Policies with-out Proper Notice to Customer, also Acts of Retailiation, by Banking Officers, and Employees, and Intent to Defraud the Customer of his U.S. Social Security Administration Benefits, of Direct Deposits of Months of XXXX, XXXX, XXXX, and XX/XX/2019, after two very small withdrawals in the Month of XX/XX/2019. 

Complainant has filed against the Mayor XXXX XXXX, and with a Governor XXXX XXXXXXXX XXXX Committee, and is unable to access, the Customer Response from the CFPB website or email. CFPB # XXXX Please respond via Email :  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 explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Data Corporation
State: OR

Complaint narrative:
Enclosed is a copy of my messages with my credit union : XXXX XXXX XXXX XXXX XXXX XXXX regarding XXXX, TRS Recovery Services, and XXXX XXXX XXXX all XXXX affiliates ) : RE : RE : Charge Dispute for XXXX/TRS Services Address XXXX XXXX XXXX XXXX  Date XX/XX/2019 XXXX XXXX Subject RE : RE : Charge Dispute for XXXX You can process a Revocation of Authorization. With the revocation of authorization you are making a legal statement saying you did not authorize the charge, date or amount. Processing the form will request your funds from Friday back. It will also prevent charges from XXXX coming through in the future. It needs to be in place 72 hours prior to the next charge for it to prevent future charges. The merchant does have six months to dispute the revocation. Provisional credit is usually given through this period. Please let me know if you would like for me to proceed. I will be out of the office Wednesday through Friday. 

Thank you, Member Service XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - Yes I did but they outsource to a company that is called XXXX and XXXX Services who is doing the random charging. They said to submit a claim but is it possible to decline the payment they took on Friday? I did not authorize them to keep charging my account. They said it could take up to 30 days if they even give it back. I think this is fraudulent activity especially since they have overcharged me by about XXXX dollars. 

-- -- [ From : XXXX XXXX XXXX XXXX ; ] -- -- - Good morning XXXX. Have you contacted XXXX regarding the purchase price issue? That would be your first course of action. XXXX dispute phone number is XXXX. They will work with customers regarding charges or service. They should be able to help provide a credit to your account. It looks like you have provided your account number and the charges are being processed as an ACH debit, with your account number, to your account and not with your debit card. Please let me know if you have further questions. 

Member Service, XXXX -- -- - [ From : XXXX, XXXX XXXX XXXX ) ; XX/XX/2019 XXXX ] -- -- - I was recently charged by XXXX XXXX today for a dispute that was resolved and I am wondering if you may please reverse or deny a pending charge that was charged today ( XXXX ) in the amount of $ XXXX $ XXXX {$65.00}. In total, they have charged me {$200.00} for an order that should have only been {$60.00} ( with 2 return check fees of {$25.00} XXXX. I have also been in contact with the agency. I don't think they should be able to continually charge my debit card whenever they want. 

Thank you for your help. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened an account with citi bank in XXXX 2018. After two months, they closed my account without warning and explanation. After one month, they closed my XXXX XXXX which I have been used for couples years without warning and explanation too. Citi bank refused give me back credit card rewards money which around {$200.00} and also the bank interest. I called the customer service many times and asked them why, the only words they told me is " bank decision ''.

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 2019-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I am writing this complaint because the company will not process the W-9 form that I have sent to them on multiple occasions.  I opened a Citi Priority account in XX/XX/2019.  In order to enroll in their ThankYou Rewards program, I was told that I needed to mail in a W-9 form.  This form would also enable me to avoid federal taxes being withheld from my interest income. (Each month, 24% of interest earned in my Accelerate savings account is automatically withheld.)  As a result, I completed a W-9 form and mailed it on XX/XX/2019, to the relevant address:Citigroup Technology, Inc.XXXX XXXX XXXX XXXX, SD XXXXSeveral weeks later, I called the bank and inquired as to the status of my W-9 form.  Citi said they never received it.  Thinking that it may have gotten lost in the mail, I mailed it once again in late XX/XX/XXXX.  This time, however, I sent it as a certified mail from my local post office. I have the tracking information to prove that the letter arrived at its destination on XX/XX/2019.When I called on XX/XX/XXXX to confirm that it was received, I was told that they have no record of receiving it.  This is the second time that this has happened!  When I pursued the matter further and asked for a case to be initiated, they gave me a reference # and stated that they would contact me with any updates.  On XX/XX/XXXX, I contacted them again because I still had not heard from them.  They are apparently still investigating the case with no end in sight.I do not live near any of their bank branches, so there is nothing more I can do.  I am so frustrated that, through either carelessness or willful neglect, they misplaced my W-9 forms.

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 2019-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
I am a customer of Chase Bank. I have had an issue with overdraft fees on my account and recently I contacted chase to have some of the fees waived and, requested that my card be declined if i have insufficient funds in my account. The bank waived fees for me however, the change to opt out of overdrafts was never made despite my request for it. I requested they opt me out of overdraft protection via a message to customer care through their website on XX/XX/XXXX and they responded XX/XX/XXXX, and did not indicate that the change was made, and i have since been hit with XXXX XXXX dollar overdraft fees. the total of fees at this time exceeds XXXX dollars Chase has now taken a stand that they will not waive any further fees for me and now I am facing a XXXX dollar negative balance because they feel as though its ethical to stand behind their policy and not acknowledge the mistake

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Keystone Credit Collections Inc.
State: CA

Complaint narrative:
XXXX is using a debt collector called XXXX XXXX. They are harassing my wife, parents, and work with phone calls.

Company response to consumer: Untimely response