vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I'm getting continuous calls at least 5 times a day or more from Tower loan, they are harrasing me and my grandmother with the constant calls. They call from strange numbers everyday trying to reach me and one of the  worker 's also came to my home and left a note on my door i am being harrased for a loan im struggling to pay back.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Please connect to claim on XX/XX/18 number XXXX I called today after not hearing from the company since last week. I received a call last week and haven't heard from them since after being promised a return call within a few days. I called the number given and extension but it went to a fast busy. I then dialed the number again and requested the person whom I spoke with last week. I was told she wasn't available and I requested a supervisor but was told that wasn't allowed. I also wanted to resolve the matter with their fraud department. I was told by XXXX operator ID XXXX that I had to send a copy of my driver license front and back. He stated the reason was because a prior incorrect approach to dial my number wasn't completed and therefore that was no longer an option to verify my identity. I was told the account would stay restricted. I am very upset that I can't seem to reach any competent person within this entire organization. It feels as if customer service is not to be expected by me the consumer and certainly not provided. I can be reached at XXXX to discuss further.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
2 years ago we placed a freeze on our credit with the three agencies ( Transunion, XXXX XXXX XXXX ).  Since then we have lifted the freeze for a short window with XXXX XXXX XXXX. Yesterday we were asked by our bank to lift the freeze with Transunion. We called and spoke to Transunion and they said the freeze was lifted until the following Friday at XXXX. The charged our credit card their required fee. 

The bank still could not get a report. Transunion kept asking them for OUR pin number. We called Transunion again and they said we would have to pay again to have it lifted. Not wanting to jeopardize the load we again paid and have credit card receipts showing the 2 payments. The bank was still unsuccessful in getting a credit report even using our pin numbers. 

These are the people that we entrust with our most personnel information and they demonstrate incompetence. It will be too late for us, but please stop this from happening to anyone else.

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 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: NM

Complaint narrative:
I purchased a laptop from XXXX XXXX XXXX in XX/XX/XXXX. in XX/XX/XXXX the laptop was taken in for service when my screen went blank. I let them know that this was being used for a small side business I had and needed it back asap. they said it would take 2 weeks- 2 months went by and no laptop! I continued making my payments and have always paid more then the amount due. in XX/XX/XXXX ( this year ) I took the laptop back for service because this time the XXXX system came up and I was not able to get into it. When I took it to Conn 's I took it with charger and did give them the ok to wipe out all information if needed because I had saved my information on an external drive. on XX/XX/XXXX I went to pick up my laptop and they tried giving it to me without a charger. I had already signed the receipt because on the very top was a charger but it was not the one that went to my laptop. The charging port was wobbly and loose. I told them that I was not taking it until I had my charger. They literally went around the store trying to find me a charger to fit my laptop which NONE did! The manager XXXX at that store told me he would just have to order me a new charger and to give him until the following Saturday which would have been on XX/XX/XXXX. I went to pick up on XX/XX/XXXX and there was no laptop, no charger and one seem to know where the laptop was. They all went and spoke away from me and told me to call service that they had the laptop. At my arrival at home I called the service number and spoke to an employee who advised me that the work order had been opened on XX/XX/XXXX and that the laptop was still at the store. She double checked in the back and then proceeded to call the store who then told her they did not have the laptop. At this point today ... XX/XX/XXXX I have no laptop and because my side business required me to have a laptop I have since been termed from my business as well. I continue to receive 5,6, and even 7 calls or more a day. I have advised multiple reps to read their notes and that I had let them know- I have no PRODUCT why should I pay for it. On top of all of this I am getting daily financing as well on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: CO

Complaint narrative:
I had a major health issue due to failing XXXX and was on XXXX  and as a result missed a mortgage payment. I contacted Caliber my servicer to explain and to try and get them to work with me to reduce my monthly payment since I was having health issues and only able to work part time for a while. Caliber told me they could not help me and that I could not apply for a modification because I was only one month behind. I then sent in the monthly payment and added {$200.00} extra to go towards the missed payment from the month before so I could begin paying this down. Instead of applying the payment to my account, Caliber rejected the whole amount because it was not the exact amount of my monthly payment. When I tried to resolve this I was told that now I needed to pay 2 full monthly payments at once as well as late fees. When I told them I could not do that I started getting the runaround. Bottom line is that I went back and forth with this company for months and never even got them to review my paperwork. They never assigned a dedicated contact and continually misplaced and lost my information. Now I am facing a foreclosure sale date on XX/XX/XXXX. This is completely avoidable -- I have enough income to afford a fair payment, but Caliber, the recipient of hundreds of millions of dollars in bailout funds is ignoring me. 

I have owned this home for over 7 years and have not had issues with the payment until recently. I went through a painful and expensive divorce in 2014. Not long after I had an issue with a past employer and was wrongfully terminated and had to go back to work as a XXXX   for a time. I never missed a mortgage payment during these times, but all my reserves and rainy day funds were used to stay afloat. I have worked in property management for over 15 years and have a steady job and also receive rental income. I have the ability to afford a fair and reasonable payment. The purpose of this complaint is to get my case noticed and made a priority, because the Caliber agents have dropped the ball and not followed through and given me an opportunity to be reviewed for all government, state and internal homeowner assistance programs that should be made available to people in my situation. As explained, I had major health issues due to problems with my XXXX and was on XXXX and incapacitated while recovering. Less than a month after I missed my payment I began reaching out to Caliber to try and fix this, but still find myself facing foreclosure. This is wrong and I am asking that you open an investigation of their handling of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: GA

Complaint narrative:
I just got a copy of my credit report and noticed this bill from XXXX XXXX for {$1200.00}. Dated for XX/XX/XXXX but It wasn't assigned to my credit until XX/XX/XXXX. I had already moved to XXXX. XXXX paid my bill in XXXX and it had to be paid in full. How could I owe {$1200.00} in XXXX? XX/XX/XXXX I came to XXXX to find a job and residence before I moved here the end of XXXX. I don't have the receipts from The Department of Human Services, but I don't owe XXXX XXXX XXXX No more than {$100.00} for final bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
The company CITI.Card -XXXX  XXXX XXXX XXXX, is not honoring the information provided in XX/XX/XXXX via Phone. 
I called the in XXXX specifically to asked them when was the last day to close the card in order to avoid the fee of {$450.00} for another year service and they mentioned to me that was XX/XX/XXXX, I even asked them if I can close in XXXX and they mentioned to me that will be best to wait until XX/XX/XXXX because the fee will not apply. 
Since End of XXXX I been contacting the card company to reimburse me the {$450.00} and XXXX from the citi via Chat confirmed that was their mistake and they will reimburse me via check to my address but already past more than 20 days and I never received the check so I called the citi spoke with XXXX ( XX/XX/XXXX XXXX XXXX ) the manager and he is telling me that the company don't reimburse the annual fee even if is their mistake as a company police, this is absurd, the account was close before the new cycle year.

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
I would like to submit a complaint about the credit bureau Equifax. I suspect either identity fraud or a mixed file case. On XX/XX/2018, I called Equifax ( XXXX ) with a question regarding an activity alert on my credit report, which was brought to my attention via email by Equifaxs credit security company TrustedID. 
The first person I spoke to asked me a multitude of security questions to confirm my identity. As the questions were never ending, I asked to speak to his supervisor. 

His supervisor, XXXX ( Employee ID # XXXX ), told me that their system showed my date of birth ( DOB ) was in XXXX on a different day and year than my actual DOB. She explained that a lender/creditor must have submitted the wrong DOB for me and that I should fax copies of my drivers license and birth certificate to Equifax, to correct the problem. In the environment ripe of hacking and fraudulent behavior, I do not feel safe faxing such sensitive materials, and I told XXXX this. Besides, I asked, how could Equifax have a 30-year credit history for me with the correct DOB and then suddenly decide to change my DOB in their records, without consulting me, because a lender/creditor submitted a different DOB. I asked to speak to her supervisor. 

Her supervisor, XXXX ( he would not give an ID # but said he is the only XXXX in the Office of Consumer Affairs at Equifax ), could not explain how Equifax could change my DOB without consulting with me and investigating why there was a different DOB introduced in my records. Neither XXXX nor XXXX would even tell me which lender/creditor sent Equifax the incorrect DOB. This is unacceptable, as I could have attempted to correct this error with the lender/creditor that purportedly sent Equifax the incorrect DOB for me. I asked if Equifax saw this as a red flag for some fraudulent behavior or a mixed file case. XXXX told me that he would not discuss this any further with me and that I could correct the DOB by faxing to Equifax copies of my drivers license and birth certificate and by contacting all my lender/creditors to make sure they had my correct DOB. It was not as if the wrong DOB submitted for me was off by one number, due to a typographical error. It was a completely different month, day and year. This is unacceptable and should not cause me to jump through a bunch of hoops, including sending personal data to Equifax, to attempt to correct Equifaxs error.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In 2012 I qualified for a HAMP loan that was administered by CitiMortgage. Among many things the paperwork read that I could qualify for what was called " Pay for Success '' incentive. If I my mortgage current each year I would receive {$1000.00} towards my principle reduction, then on year 6 another {$5000.00} for a total of {$10000.00}. This incentive is mentioned everywhere including The Making Home Affordable Handbook. 

Citi did reduce any balance or credit me with anything. I reviewed my statements. Additionally I contacted them and they said they did and sent me a payment report that had different numbers from my monthly statements, but those did not add up to any {$5000.00} principle reduction. 

Last year my loan was sold to XXXX XXXX ( XXXX ) and they told me that any incentives must be paid by Citimortage since they were incentivized by the Gov't, but the year 6 incentive would be processed by them. 

I called XXXX Making Home Affordable but they could not help me. 
I hope I am mistaken and they followed through on their committeemen, but if they didn't there maybe others out there who need help as well. 

Thank you for your help.

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 2018-03-07 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: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
cra violation sent police report taking more than 30days i want it off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
cra violaton not mine or no knowledge of it XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX - - XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX {$830.00} - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC 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 2018-03-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/XXXX Bank of America home loan is paid off. First week of XX/XX/XXXXreceived the original note marked " Paid in Full ''. The 2nd week got a check for the balance in the escrow account in my ex-spouse 's and my name. My bank will not honor it. Mid XX/XX/XXXXwent to local bank with Divorce papers, Quit Claim Deed ( signed by my ex ), Declaration of Insurance ( even though I had roof repairs done from XX/XX/XXXX-filed claim through XX/XX/XXXX-finish. The bank had no problem signing the insurance check to only myself at that time. A bank officer took my legal papers and faxed them to the right department. The check will be sent in 2 weeks I was told. 
On XX/XX/XXXX after being passed along to many people and departments with very long hold times I was told I needed to sign an idemnity letter. To speed things along the organization faxed it to me and I signed it and faxed it back. They told me they had the faxed copy of my Divorce, Quit Claim and the Declaration of Insurance. I  was told 2 weeks I should have the check in only my name. It is now XX/XX/XXXX. I feel they don't want to pay my escrow money back because I paid my mortgage off early. I should also have interest/penalties on them for using my money without my permission.

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 2018-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AL

Complaint narrative:
I have disputed a transaction from XXXX XXXX in the amount of {$320.00}. I did not authorize them to take this from my account. I have gotten my money back for this same type of problem that usaa put back from a business taking it out when I didn't give them permission to. But nobody from usaa will help me get my money back. And i keep getting told different stories from different people at usaa.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 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: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I was in need of a new AC unit and contacted XXXX XXXX XXXX XXXX XXXX, NC in order to repair or replace my AC unit. When I filled out the form for financing, I was told the financing would be going through Wells Fargo. I received an information packet and credit card via Wells Fargo. However, I decided that the amounts XXXX XXXX XXXX provided were far too expensive. I called another company and had them come out to fix my unit for a fraction of the cost XXXX XXXX XXXX quoted. And, was I also informed that the information regarding both the outdoor and indoor units were very different from what XXXX XXXX XXXX told me. XXXX XXXX XXXX claimed my outdoor unit was 11 years old and needed to be replaced along with my indoor unit. However, the company I went with said that the outdoor unit was only 7-8 years old and in perfect working order. Only the indoor unit needed to be replaced. So, that what I did as of last week with the other company and paid them the full amount of that up front. 

Today I received a letter in the mail from XXXX XXXX saying they had a credit application from XXXX XXXX XXXX in my former name, XXXX XXXX, ( not my current name of, XXXX XXXX XXXX of which I only gave them ). XXXX XXXX XXXX took out a credit application with another finance company without my knowledge or permission in a name I no longer have.

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 2018-03-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: LEXISNEXIS
State: FL

Complaint narrative:
Two ( 2 ) years ago today, XX/XX/XXXX, LexisNexis accessed my credit report which was under Initial Fraud Alert due to report of ID Theft on XXXX XXXX XXXX for XXXX XXXX XXXX. 

XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me based on XXXX  credit report sent to XXXX XXXX XXXX. 

XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX sent correspondence to me stating " we are unable to authenticate you on information we received '' -- different Consumer #, different Case # ; but sent to me and my address of record since XX/XX/XXXX exclusively. 

Keeping it simple here and starting @ the beginning since it disappears from credit reports tomorrow. If an American consumer, who is an Identity Theft victim, can not be authenticated by a company who is in the fraud detection and identity verification business? What possibility do you think exists for " contacting and working with this company? '' By the way, XXXX XXXX XXXX , XXXX is NOT accredited by XXXX ( XXXX XXXX XXXX ) see attached five ( 5 ) documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-07 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Meridian Financial Services, Inc.
State: MD

Complaint narrative:
On XX/XX/2017.I requested a copy of the deed for a timeshare.So one supposedly had award or given to me.I don't know anything about a owning a timeshare.Its not my timeshare.Its not my property even through my name is on the deed.I have spoken to XXXX XXXX XXXX who is the Account manager for this account.I have already disputed the account with them XX/XX/2017.They are telling me I have dispute this again.This is a grave violation of the FCRA and the FDPA.They think this is a jokes.I am requesting that they remove this off my credit reports and send this back to XXXX XXXX XXXX for an investigation of Fraud and Forgery.

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