vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
My husband and I applied for a Mortgage Loan with Capital One in response to a " Paradise '' promotion we received on XXXX XXXX, XXXX. The promotion was for existing Capital One Venture credit card customers, and promised XXXX bonus miles if we refinanced our mortgage with Capital One. We proceeded with the refinance, making sure to reference the promotion with our loan specialist many times to ensure we would receive the promised reward. We closed our loan on XXXX XXXX, XXXX, and the loan funded several days after. The fine print of the promotion stated that the XXXX points would be deposited into our account within 60 days of the loan funding. As of XXXX XXXX, XXXX, the promised points have not been deposited. We followed up with our loan specialist on XXXX XXXX, which was beyond the 60 days promised. We received a response on XXXX XXXX that we would see the points on our XXXX statement. On XXXX XXXX, we received our XXXX statement but the points were not deposited. Our loan specialist appears to be doing what he can to make sure Capital One complies with their promotion, but unfortunately Capital One has failed to deliver what they promised. The promotion was the main reason we chose to refinance with Capital One, and feel that we were deceived by the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: FIFTH THIRD FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an account with  5/3  bank on   XXXX   XXXX   to take advantage of a {$200.00} promotion they were having. I did all of the requirements to receive the bonus but never got it. I m ade four phone calls to four repres entatives and they simply transferred me around without actually putting a note on my account to receive the bonus even though they acknowledged that I have met all of the criteria.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 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: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I submitted a complaint on  X/XX/2016    thay was resolved as a company error by    Rooms to Go.  I recently pulled a credit report that showed I was deliquent on a payment I never owed. Please reopen the case as it was not closed propeely before. This must be cleared from the reporting agencies in order to raise my beacon score.

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 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: GA

Complaint narrative:
I signed a 1 year lease in  XXXX  with   XXXX   XXXX   XXXX  , shortly after the apartment were purchased by   XXXX   XXXX   XXXX   in Georgia. I remained until   XXXX   XXXX   when my lease expired and I submitted paperwork that I would not be renewing the lease. I moved and had no issues until a few months after I received a call stating that I had been sent to collections ( I received no communication from the apartment complex itself ) for the carpet being destroyed, oven not being cleaned and trash left in the apartment, with none of this being accurate. I recently checked my credit report and noticed that this had been posted, I contacted the agency,  Rent Recovery Services  and asked them to send me proof of debt which I received via email. A few things jumped out at me right away, especially since I knew their claims were false. The move in move out inspection agreement though signed off on the move in portion dated  XX/XX/XXXX , theres no sign off or documentation of the state of the apartment for the move out, which I did in   XXXX  . Also, theres no stipulations about being required to purchase replacement carpets especially after residing there for 3 years. There is absolutely no proof of their claims either by the move out agreement or pictures taken and would like all collections attempts to be stopped and removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: AZ

Complaint narrative:
XXXX  has not sent me any information regarding this debt. It was sent to Enhanced Recovery Collections with a balance that is not correct. The balance is over {$300.00} and this is not the correct balance that was left off when leaving  XXXX .     I noticed this debt had been placed on my credit report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( secti on 1692g ). Arizon a  State regulations require all debt collectors  to send specific written documentation verifying the debt. Please provide : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt amount and I do not owe any money to this creditor referenced of termination fee.     Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report.  Reporting inf ormation that you know to be inaccurate, or failing to report information correctly, violates the FDPCA and their Fair Credit Reporting Act.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a mortgage wit h PNC  bank. in  XXXX  the bank asked mortgagers to start using new online banking website. I enrolled to that online banking and was told by associate that the old information is no longer valid and I have to set up new payments information on that site. I did. but on  XXXX   XXXX , they withdraw  one p ayment for  XXXX  using old website set up, and on  XXXX   XXXX , they withdraw second /duplicate payment using new website set up. I called multiple times and requested a refund, but the bank refused to process refund stating the payment will be applied to  XXXX . I did not give the bank authorization to decide how to handle my money. I did not authorized them to withdraw duplicate payment. It is an error on their end. Also, they told me that I have to submit a verification letter from my bank stating that the funds are indeed mine and that I indeed had them on my account. the funds withdrawn second time were intended fro my school loan payment and I do not have additional funds to pay my student loan and will get hit with fines. I tried to escalate this issue with upper management a t PNC bank , but was places on hold for half an hour and nobody ever responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I would like to file a formal complaint against the following company with in-corrected information or my credit report. XXXX, XXXX XXXX, XXXX XXXX, Goodyear/CBNA. I have been a victim of IDENTITY THEFT. I have notified the Social Security Administration, State of Indiana and Ohio Safety Department of BMV, Ohio State Attorney Office, and the Federal Trade Commission. My brief case was stolen in XXXX XXXX, 2010 inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the XXXX Police Department. I have file a dispute with all the company name above. These account are not mine, Goodyear/CBNA and XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: CA

Complaint narrative:
Plaza Services opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since    XXXX   XXXX      a mysterious payment from Plaza Services appeared as a collection on my  XXXX  report. I check all my physical mail and email, I never had any collections or payments due to "   XXXX   XXXX   XXXX   '' which is the company Plaza Services claims they are representing. I decided to call Plaza Services, calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN just  to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with   XXXX   XXXX   XXXX  , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called   XXXX   XXXX   XXXX   to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JH Portfolio Debt Equities, LLC
State: AZ

Complaint narrative:
I have no knowledge of this debt. Please send information regarding this debt. While it is in dispute status, please remove from my credit report.

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 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: STERLING JEWELERS, INC.
State: CA

Complaint narrative:
Kay Jewelers keeps calling my work phone number. They acknowledge it is my work number and they ask for me and identify who they are and why they are calling. They call my cell phone with multiple numbers throughout the day starti ng at    XXXX   XXXX   and call repeatedly throughout the day. If I am unable to answer the call they immediately call my work.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of America Ltd.
State: AZ

Complaint narrative:
I noticed this debt had been placed on my credit  report. I am disputing the above referenced debt. Please verify this debt as required by the Fair Debt Collection Practices ( FDCPA ) ( section 1692g ). Arizona state regulations require all debt collectors to  send specific written documentation verifying the debt : Proof of my agreement to pay the original creditor A copy of the final account statement issued by the original creditor ; A breakdown of the total amount due, showing principal, interest, and other charges ; and For all other charges, the date of and the basis for each charge.   I dispute this charge because I do not recognize this debt and I do not owe any money to this creditor. I monitor my report monthly and I have become a res  ponsible consumer and this is an unfamiliar debt to me. If it were indeed valid it would have been paid. Moreover, this debt appears to be past the Statute of Limitations.
Because I am disputing this debt, you should not report it to the credit reporting agencies. If you have already reported it, please notify the credit reporting agencies that the debt is disputed and/or delete the trade line from my credit report. Reporting information that you know to be inaccurate, or failing to report information corre  ctly, violates the FDPCA and their Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ad Astra Recovery Services Inc
State: CA

Complaint narrative:
I have disputed this account numerous times be the debt does not belong to me. They were deleted off of   XXXX   and now today  XXXX   XXXX  they have reappeared again on my  XXXX  credit report. They are no longer on my  XXXX  report and I need them removed from  XXXX  and  XXXX  and they are sliming my chances for credit and future home buying! They debt from   XXXX   XXXX   was sold to Ad  Astra Recovery Services  and I do not have a contract with Ad  Astra Recovery Services so  No Contract means no debt is owed to them. Because I have been through this multiple time I would like for Ad  Astra Recovery Services to provide me a contract with my signature stating I owe them ( Ad Astra   Recovery Services )  within 30 days of this complaint and if they can not furnish that I NEED them to close the account and report to   XXXX   and  XXXX  as closed and have them remove it from my credit reports!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I have been usin g TCF Bank  until recently when I read about the unfair ways they are " tricking '' their customers into overdraft fees. I have had NUMEROUS issues with them and they continued to do it. I switched banks, but still have a couple auto withdrawls and a weekly automatic deposit. I looked at my account and was charged {$110.00} in overdraft fees today. I called TCF and they said there were several items that caused the overdraft. When I looked at my account yesterday, it was positive, with  XXXX  pending withdrawls and automatic deposit. It did n't make sense at all why I would be charged  XXXX  fees. They refused to help me and I hung up the phone.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-04 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: CA

Complaint narrative:
XXXX   XXXX  opened an old closed/paid account and marked it as delinquent on my   XXXX   Report. Ive been working on my credit for the last 3 years.. Proud to say I paid off all of my debts. Since   XXXX   XXXX     a mysterious payment from  XXXX   XXXX  appeared as a collection on my   XXXX   report. I check all my physical mail and email, I never had any collections or payments due to " CA CHECK CASHING '' which is the company  XXXX   XXXX  claims they are representing. I decided to call  XXXX   XXXX , calling them feels like you are calling someones personal cell phone. They are never available and ask you to leave a voicemail, which they do not return. I also emailed them, and have not recieved a email back.  3RD  Time I called a got a man on the phone, he asked me for my full SSN, which i was hesitant to give over the phone but since this charge was on my credit report I thought they were a legitimate company and would not be fraudulent. So foolish me i gave them my SSN, ( shouldnt collection companies only ask for the last  4 of SSN  just to verify your identity? Unless they didnt have it at all since they are the fraudlent company ) after I gave my SSN he said he would send me the documentation to confirm my debt with CA  Check Cashing , he said he would send it in an email, i have yet to recieve this confirmation. Now he has my SSN and is going to do  XXXX  knows what with it. I called back 2 days ago to let them know i never recieved any documentation regarding this debt. The woman on the phone had the rudest attitude and didnt sound professional at all. She sounded like i was interuppting her day, like im calling her personal cell phone. She asked me for my SSN again and I said i would verify my account another way. She said their was no other way  ( w hich i know is a lie ) so I told her that i will have to settle this account another way then. I called  XXXX  and had this company flagged on my account also disputed the charge. I also called CA Check Cashing to ask them who i can speak with to verify any account i had with them that was late, the representative told me she would transfer me to corporate and then hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
Huntington  stopped allowing me access to my bank account because it was in the process of being closed due to an overdrawn balance. I could n't log in, gain access to online banking information, or even access my account number to make a deposit to bring the account current. I received no notification of this happening. No letter, no phone call, no email.     On Friday,  XXXX   XXXX , my employer sent a paycheck via direct deposit that was greater than the overdrawn balance. I contacted Huntington on  XXXX   XXXX , and they let me know the account was still NOT closed, just in the process of being closed, and that they would hold on to the additional funds for an undisclosed amount of time until they felt like sending the balance back to me via check. No one could tell me how long it would take or when the check would be processed.     It is alarming to me that I would not be allowed access to view details about an account that is technically still open, and that no one could tell me when the additional funds would be sent to me. I was told that they could hold the funds as long as they deemed necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: CITIBANK, N.A.
State: IN

Complaint narrative:
I would like to file a formal complaint against the following company with in-corrected information or my credit report.  XXXX ,  XXXX   XXXX ,   XXXX   XXXX  ,  XXXX . I have been a victim of IDENTITY THEFT. I have notified the  Social Security Administration , State of Indiana and   XXXX   XXXX   XXXX   XXXX   XXXX   , Ohio State Attorney Office,  and the Federal Trade Commission. My brief case was stolen in  XXXX   XXXX ,   XXXX   inside the brief case were my license, social security card, check book, passport and credit cards. I filed a police report, with the  XXXX  Police Department. I have file a dispute with all the company name above. These account are not mine,  XXXX  and  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I am   XXXX   XXXX   XXXX   XXXX   and use   XXXX   XXXX   XXXX   phone which is not compatible  with   VOIP nor headsets and it is noted on my account to remove the headsets and not to send me overseas. If overseas and sent back there is always a bad connectio n.     I tried to put an item in dispute too and it should win. If it is a problem I will really be ready to close the account.     I am so tired of being hung up on and fought with to hear.

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 2017-05-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: NY

Complaint narrative:
I currently have a debt for the amount of {$2300.00} with  Discover Credit Card Services. I called Discover  at  XXXX  to inquiry about this debt. I was provided this fake phone number  XXXX  and was unsuccessful in communicating to the agents who would provide the necessary information to start paying this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-04 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: Williams & Fudge, Inc
State: TN

Complaint narrative:
XXXX   XXXX  y hired  Williams and Fudge  to collect a student loan. I am not aware of the amount due to the fact all my student loans are in deferment and if this is a student loan from  XXXX , it should also be deferred with my other student loans. I have reached out to  Williams  and Fudge o n  XXXX   XXXX  and  XXXX  of this year. They have failed to respond to my second letter. Please see letters attached. I have also disputed this matter with  XXXX . They claim they do not see a dispute for this account, but have a note on the account stating UNDER INVESTIGATION, which has been that way since  XXXX   XXXX  , 2017. P lease see attached document

Company response to consumer: Closed with explanation