vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Hello, I believe that Wells Fargo took advantage of me because I am XXXX-XXXX-XXXX. I think they tried to pull a bait and switch on methey enticed me with a 4.5 % rate, but then told me that they could only offer me 6.5 %, even though the facts never changedmy credit score was still XXXX. ( Something also oddthey told me that my FICO score was XXXX, even though their own service tells me it is XXXX. ) I applied for a mortgage on XX/XX/XXXX. I timely delivered all documents, and I never misrepresented anything. I was also given assurances that my appraisal fee would be refunded should the loan be declined. I locked in my rate at 4.5 %. 

On XX/XX/XXXX, I got a notice that I had document to be reviewed. It was a new rate lock at 6.5 %. I then asked for a refund. It didnt make any sense for me to refi at such a high rate when the mortgage theyve already given me was for 3.75 %. This seemed absurd and mean, so I think asked for my refund. They said they would process it. 

Today, I received a note from the mortgage officer that they no longer issue refunds. This is unfair.

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 2019-03-08 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: FIRST GUARANTY MORTGAGE CORP
State: LA

Complaint narrative:
TIME SENSITIVE : XXXX XXXX XXXX, XXXX, directly or indirectly initiated a legal proceeding action and obtained a court order to SELL MY PROPERTY in XX/XX/XXXX. Attached is the Sheriffs Notice of Seizure and Sale. 
XXXX has no legal standing in court. There is no ( never was a ) contract between FIRST GUARANTY MORTGAGE CORPORATION and XXXX XXXX XXXX. 
XXXX is claiming that XXXX XXXX XXXX owes them about $ 100K for a loan they allegedly loaned in XX/XX/XXXX. This is false. XXXX did not loaned any money/credit to XXXX XXXX XXXX ( the true creditor as per 15 USC 1692 ( A ) ( 4 ) ). Attached is a copy of the accepted and filed CORRECTED form 1099-A in which the IRS accounting department have properly accounted for the transfer of {$100000.00} funds from a government-created XXXX XXXX XXXX Account XXXX XXXX XXXX to their account without my authorization and knowledge.

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 2019-03-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have requested now 3 times with Citibank to change my billing due date to the beginning of the month. I was told it takes 2 to 3 billing cycles to take effect. I made my payments well before the cited due date on each bill around the 5th of every month. After a few months and no due date change I contacted Citibank a second time and was told there was no note on my account that I had requested it. So they again told me the same thing that it would take 2 to 3 billing cycles to take effect and cancelled only one of the late fees they charged me, this was in XX/XX/XXXX. I called again today XX/XX/XXXX. Again was told the same thing there was no notation on my account for such a request and I had been charged a late fee ranging from {$27.00} to {$38.00} every month since XXXX ( that was as far back as they could see due to archiving ). When I spoke to a manager ( XXXX ) she was said there was not a note at first, then somehow found a note on my account from my call in XXXX. She stated the note indicated that I requested a due date change but they were unable to do it due to terms being changed at that time. I was NOT told this by the person I spoke to in XXXX. I have been charged a late fee every month for the last year because they failed to comply with my request to change my due date and failed to notify me that they were unable to do it. I have made a payment every month some doubled up because of the bills I received with different amounts due. I was again told that she could not change the due date for my account. I find this incredibly hard to believe that in this day of technology they can't change a simple due date for an account. She also stated she was not authorized to waive more than one late fee per year. This seems like a simple request that has been ignored now three times, and a failure to properly note my account when I call their customer service center. In the interest of complete transparency there are XXXXwo instances where I made two payments in one month ( on separate dates ) to try and follow their sloppy billing notices so I understand the late fees there although it still was NOT my fault they failed to change the due  date/billing cycle. I was told I can call back in XXXX to request it again. It's simply ridiculous.

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 2019-03-08 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: CITIBANK, N.A.
State: FL

Complaint narrative:
Alert from XXXX on my credit report from CITIBANK on XX/XX/19, they said I had to contact Citi in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, CITI did it. I did not request it. 
They are saying they will not remove 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 2019-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have been a US Bank customer for a year now. I recently was looking at my Annual Escrow Account Disclosure Statement as of XX/XX/XXXX and noticed that besides my shortage of {$480.00} US Bank is adding a reserve requirement to my account for the amount of {$130.00} which is causing my shortage to be {$610.00} rather than {$480.00}. This amount has been prorated over 12 months for the amount of {$51.00} which should only be $ XXXX {$40.00} over 12 months. I work in a large home mortgage company in which to my knowledge with escrow, per the law, the state of Nevada does not require a reserve. However, US Bank is adding a reserve to my account. This company is exhibiting unethical and illegal behaviors. I called US Bank today XX/XX/XXXX and spoke to a representative named XXXX in which stated that they are unable to remove the reserve per their policy. I asked to speak to a supervisor and the agent stated there was not one available and transferred me to a senior agent by the name of XXXX. This agent did not help me in any way and kept stating that per their policy they can not remove the reserve even after i mentioned that the law does not require a reserve and per RESPA they are allowed to have one but if the state prohibits a reserve they should be able to remove it. Conversation was not going anywhere towards helping me and clearly they are not abiding by the state law. Please see the screenshots and the highlighted information as reference.

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 2019-03-08 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: CA

Complaint narrative:
On around XX/XX/XXXX XXXX XXXX XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted Transunion and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of XXXX on Transunion.. 

Respectfully XXXX  has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a XXXX XXXX XXXX Military Veteran.

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 2019-03-08 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: CA

Complaint narrative:
On around XX/XX/XXXX XXXX XXXX  XXXX Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my VA Loan and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and Military Veteran. 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a credit score of 680 on XXXX

.. Res
pectfully XXXX has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX XXXX and XXXX.I am a US XXXX XXXX Military Veteran.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On around XX/XX/XXXX XXXX XXXXl Services Account Vice President has stated on phone conversations that the negatives of 30-60-90 days was going to be deleted to support me on my XXXX XXXX and home purchase in Florida. 
Now, she denies that she didn't promise me.This a act of Discrimination and Retaliation against me as a XXXX XXXX American and XXXX XXXX 
XXXX administration are Retaliating because I filed various Federal Government complaints since XXXX and Present. 

XXXX XXXX XXXX credit report shows that XXXX XXXX XXXX contacted XXXX and deleted the negatives on my credit report on XXXX XXXX. 
I have a XXXX XXXX of XXXX on XXXX 

Respectfully Prestige has violated my XXXX XXXX Civil Rights Act under Department of Justice.I am XXXX Lifetime and XXXX.I am a XXXX XXXX XXXX XXXX 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 2019-03-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Improved Data Services LLC
State: TX

Complaint narrative:
The debt collection agency has done the following : - Repeatedly called me at my place of employment - Called other individuals like my future mother-in-law claiming they are running a background investigation - Threatened to file arrest warrants

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Alert from Experian on my credit report from XXXX on XX/XX/19, they said I had to contact XXXX in writing, I did. Even though there is an alert on my credit file to call before doing inquiry, XXXX did it. I did not request it. 
They are saying they will not remove 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 2019-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
CAPITAL ONE CREDIT CARD I am writing this to request to Capital One for a refund of the following late charges ; Date Amount XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} XX/XX/XXXX {$39.00} The reasons for this request are ; 1. I did not receive any statements from you since XX/XX/XXXX 2. The government had informed you that my card was compromised 3. But you did not inform me. 
4. You locked my online card account. 
5. I can not access the card account online because I am still locked out 6. Someone had taken over my account and changed the address so the statements, I believe were sent to that address. 
7. You were delinquent in your duty in not sending me the statements and above all for not informing me of the fact that my account was compromised and that you had locked my account. 

Actions taken by me 1. In XX/XX/XXXX. I was made aware of past due payments by an e-mail and I immediately called Capital one and paid {$150.00} over the phone. 
2. When I spoke to the person over the phone, I told them that I did not receive any statements and to please send them. She promised to do it but never did, and neither did she inform me that my account was compromised or had been in locket down. 
3. I wanted the statements to make sure that all the charges were accurate. 
4. If I had known about the fraudulent situation, I could have initiated action to get a new card. 
5. On XX/XX/XXXX, I called Capital one and asked them again to send me the statements. They promised to do it but never sent it to me. Again, I assume it was sent to that fraudulent address. Even at that time you did not inform me of the fraudulent situation. 
6. On XX/XX/XXXX I got an e-mail advising me of the past due amounts. I immediately called and paid it the past due sum over the phone. It was only on this occasion I was told that the account was under lock because of a fraudulent situation. 
7. I then got the address changed back to the correct address. I then requested statements which I received on XX/XX/XXXX 8. On XX/XX/XXXX, I I spoke to XXXX ID XXXX and requested a refund. He said it is my responsibility. 
9. I am still locked out online Considering the above, I am requesting that you refund all past dues fees as shown above, because you were negligent in ; a. Not sending my statements b. Not informing of the fraudulent status of my account c. To continuing to lock me out of online.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Banks keep telling me that XXXX  is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.

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 2019-03-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Amsher Collection Services, Inc.
State: MD

Complaint narrative:
Account Name : AMSHER COLLECTION SVCS Account Number : XXXX Date Opened : XX/XX/2018 Balance : {$1500.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: Commonwealth Financial Systems, Inc.
State: NY

Complaint narrative:
Common Wealth Financial Systems located at XXXX XXXX XXXX, XXXX XXXX PA XXXX contacted me via mail and ongoing annoying phone calls past XXXX and early in the mornings, before ( XXXX ) to harass, annoy, and abuse me about a debt that is not valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have repeatedly asked for evidence to support your reporting, but yet again, you have failed to provide me with a copy of any viable evidence submitted by these offices substantiating their claims. Furthermore, I have requested your method of verification, and you have not complied, which is an additional violation of the Fair Credit Reporting Act 611 ( a ) ( 7 ). 

Given that I believe you are acting in bad faith, and have not complied with the Fair Credit Reporting Act, I have filed a Small Claims lawsuit against you. 
I have maintained careful records of your actions, and you will now be required to appear at XXXX XXXX XXXX, XXXX, NY XXXX. 

I am writing a letter of dispute. I have included a copy of my driver'slicense and social security card to validate my identity. In accordance with the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ) your credit reporting agency is required by Federal Law to verify physical records on file of the original signed account or contract from any accounts you post my credit report. 

I am formally requesting to see verifiable proof of the original consumer contract with my personal signature on the record. I have listed the accounts below, in which I am requesting said verification. Failure to verify account records in compliance with the FCRA will damage my ability to obtain credit. Under FCRA unverifiable accounts must be promptly removed. 

I formally demand the following negative account records be verified, and/or removed immediately. 
Inquiry details XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX XXXX Inquiry from XXXX XXXX, XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX 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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Banks keep telling me that XXXX is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.

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 2019-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Banks keep telling me that XXXX is telling them that I have a consumer ID theft notification on my profile, however, XXXX says nothing is on my profile. This is extremely frustrating because I am unable to open up a bank account. Please remove this off of my file, any theft or restrictions, period.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-08 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Santander Bank stating that they want to help and they do not. They stretched time to bring loan up for thousands in interest and late fees plus attorney fees and make it harder for us to negotiate. We put a lot of money to recover the house after water pipe break accident and rain water flood that was not at our fault. Everybody take an advantage of us and nobody helps. Insurance company, XXXX XXXX, and management all used us and gained own benefits and got something using us and leave us to put more and more money into that house. We have been robbed by all those listed authorities, but no one was charged and we were supposed to buy all new electrical equipment. Also, initially, Santander representative calculated amount of monthly payment higher than it supposed to be. We got deceived approximately paying at least {$300.00} a month more. When straggled with unemployment and accident in the house, Santander stretched the time for modification and denied it totally four times. Now they want to get more in interest rate fees and on daily basis {$18.00} every day in the during of all time we are in foreclosure. We are XXXX people of XXXX and XXXX years old and nobody helps.

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