vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/XXXX, my wife and I brought an insurance check issued to replace the roof on our home to Citizens Bank for endorsement as they had been named on the check in addition to my wife and me. 

The branch representative explained they could not endorse the check, but she would send it to the " back office '' for processing. We gave her the check as well as copies of the insurance company 's claim approval letter, their adjuster 's estimate showing the same amount as the check and a copy of our signed work order with a well-established area roofing company that we 've engaged to do the repair. She explained the back office would get our check and documents no later than XXXX,XX/XX/XXXX, and we could expect the check back in a few days. 

All of that sounded reasonable. Everything since has been nothing of the sort. As of XXXX, XX/XX/XXXX, we still do not have the check, much less a specific promise from the bank as to when we 'll get the check back with their endorsement, any sort of explanation as to why this has happened, or the courtesy of a call from a manager with direct responsibility in this area to explain anything. 

I have spoken with no less than five different bank representatives from three different locations since XX/XX/XXXX, one week since we gave the bank this check. Follow up from the branch has been fine, but they have n't been informed and have no authority in this matter. Outside of the branch, they tell me they understand my frustration, assure me they are working diligently to resolve my issue, but provide no results. 

No one has explained to me where my check is, what the bank 's process and procedure is for checks like this that exceed the branch 's authority nor when this will be resolved and my check returned to me so I can get my roof replaced before winter. 

I ca n't be the bank 's first mortgage customer with a home insurance claim over {$20000.00}. Is this the best they can do? Does n't the law require them to perform better in matters such as this? If not, should n't it? 

If the bank 's concern is I might take the money without doing the repair, then require a work completion notice from the roofing company and call the note if I fail to provide it. 

If that 's not their concern and they just mishandled this several times over, own the problem, apologize and make it right immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I submitted a request to review inaccurate information on my Equifax credit report on XXXX/XXXX/XXXX and on XXXX/XXXX/XXXX, I received a letter from Equifax stating that the public record of bankruptcy on my credit file has been " verified ''. I have no other documentation, validation or proof of this claim and am demanding that this be removed from my credit file immediately. This claim has caused me great emotional and financial distress, and I was supposed to have this validation information provided to me within 15 days of the conclusion of their investigation per the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 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: FL

Complaint narrative:
I wrote to the credit reporting agencies as well as speaking with an XXXX agent for at least 20 minutes telling him why I am disputing charges made by XXXXXX/XX/XXXXXXXX and XXXX XXXX. I have not received any decision after over a month and it has affected my credit score as well as ability to apply for loans and related services. I feel they have not responded in a timely manner nor given me reasons why the two negative items have not been removed 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 2017-10-12 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BlueChip Financial
State: WA

Complaint narrative:
I was contacted last year in XXXX from a harassing debt collector in XXXX saying I owed XXXX money. I was harassed at work so I took charge. I filed complaints and was contacted on XX/XX/XXXX from XXXX   stating they were sorry and were buying the debt back and the account would be noted as paid in full and all collections would cease. They stated in an email this would take a few business days. Fast forward to today XX/XX/XXXX. I get a call from an XXXX XXXX stating I owed XXXX XXXX dollars and would need to pay in full to keep from getting sued, I then contacted XXXX and was told they are in the process of still buying the debt back meanwhile I am being threatned with court and wage garnishment.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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: GA

Complaint narrative:
According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.

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 2017-10-12 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
According to my report this account from XXXX was previously removed from all 3 of my credit file. Now without knowing and knowledge this company has sold this account to another collection agency and is reporting on my file. This is a illegal act.

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 2017-10-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these six hard hit on my reports as will in Transunion & i want them off. I 've submitted request with no results.

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 2017-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I have been incarcerated since XXXX/XXXX/XXXX I have inquiries on 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 non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Dovenmuehle Mortgage, Inc.
State: MD

Complaint narrative:
In XX/XX/XXXX we received an escrow analysis which indicated that the low balance in our escrow was short. This was due to the mortgage servicer, Dovenmuehle Mortgage , Inc. paid our real estate tax for the entire year. For the past 11 years that we have had this mortgage, our real estate taxes have been paid on a simi annual bases. The change in the method by which the real estate taxes are paid caused a deficit in our escrow account and now the Dovenmuehle has increased our monthly mortgage payment from {$2000.00} to {$2300.00}, and increase of {$250.00} monthly. This is causing a financial hardship on us. In 11 years we have never been late on our mortgage payment. 

I have contacted the XXXX XXXX XXXX and they have told me that payments can be made simi annually. However, the mortgage servicer has chosen to pay annually although we have expressed to them the hardship this is going to cause. 

Why would a servicer choose to do something that would cause a hardship when they have a choice to do otherwise? This is causing a huge strain in our well being. That is a lot of money to have to come up with in a short time and only because the servicer choose to pay the annual amount of our real estate tax instead of how it has been paid for the past 11 years. 

Also in the escrow analysis the amount for hazard insurance is incorrect. They have corrected this but we are still required to pay the increased amount for XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Allied Collection Services, Inc. (Nevada)
State: MD

Complaint narrative:
My credit monitoring service reported that Allied Collection Services of XXXX XXXX reported an account to the credit bureaus. Allied Collection is in clear violation of the FCRA and the FDCPA. No prior notice of this alleged debt was ever provided. When I contacted them by phone for an explanation, they refused to provide any assistance and disconnected the call without explanation. I dispute any purported debt in its entirety. 

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 non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I am an HSBC customer with a personal checking account, savings account, and credit card connected to the account. At the end of XXXX, my account was hacked, monies withdrawn and paid to bogus vendors ( the vendor name was one I have in my files but there was no information on where the funds were transferred to and no record of the transaction. The real vendors did not receive any of these funds. When the balance of my account was drained, the culprit then started to use the credit line on my credit card, transferring monies into the account to be fraudulently transferred out. It took a lot of wrangling and almost two weeks from the time I discovered it to get HSBC to refund the monies to make my account whole and generate a letter to explain the bounced check from my account. The transactions were suspicious to begin with, but they did not notice it at all. In filing all the paperwork to report the fraud, one step I was told to take was to report it to the local police. I went to the police precinct and was told they need a report from the bank in order to investigate. I have not been able to get such a report from them, which seems to me would be routine. I 've made multiple phone calls to the XXXX headquarters, fraud dept., and was told to see the manager at my branch, who tells me she has nothing to do with that part of the process and ca n't help. While I have been repaid, it is an outrage that this bank ca n't - or wo n't - or does n't have to file such a report. I am sure I am not their only customer who has been hacked ; unfortunately, it 's now a common practice. In order to trace these kinds of activities, investigators need such information, but HSBC refuses to give it. I would appreciate any help you can offer and urge you to ensure that HSBC follows the regulations. If there are no regulations that would mandate that they file such a report, there should be, and I would like to know that as well as I will be happy to start writing letters etc. to change the rule.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: TN

Complaint narrative:
I made a withdrawal and did not receive it. Coinbase was almost impossible to contact. They then released to the public a contact number. The support number has extremely long wait times. More than five times in the last two months I was told I would be put to the high priority list when I called. 

I have enclosed a document of all correspondence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 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:
I checked my credit report on XX/XX/XXXX, 2017 and discovered an error by a collection company named Amsher Collections. I contacted the company and was informed XXXX XXXX placed the account with this collection company and the account was then transferred to another collection company named XXXX XXXX XXXX XXXX XXXX, XXXX. I contacted XXXX XXXX , XXXX XXXX XXXX , XXXX and spoke with XXXX XXXX, who was very rude and verbally abusive to me when I informed him that I never initiated an account with XXXX XXXX, nor have they ever provided cable services to me. Apparently this is a case of identity theft, but this employee was very unprofessional and refused to assist me in resolving this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
I have written to AR Resources to have them validate a debt they are negatively reporting on my credit files with all credit reporting agencies. I have not received said validation. I was simply mailed a hospital bill that was not itemized as to what the charges were for. I believe my HIPPA rights have been violated as I never authorized any entity to disclose my personal medical information to a third party. AR Resources has been reporting negative information to my credit files and I have asked them to delete this information as they have not provided validation of the debt they claim I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
After paying down debt to reduce my debt to credit ratio, Citibank N.A. reduced my consumer credit line from {$4000.00} to {$1900.00} causing a debt to credit ratio INCREASE which negatively impacted my consumer credit rating and consumer credit scores with ALL major consumer credit reporting agencies. 
Up to XX/XX/XXXX, my Citibank N.A. line of credit for my Home Depot credit card was {$4000.00}. On XX/XX/XXXX, 4 days AFTER Citibank N.A. received my {$2500.00} payment, Citibank N.A.  reduced my XXXX XXXX XXXX Credit Card line of credit to {$1900.00} thus causing my debt to credit ratio to increase from 38 % to 83 %. My Citibank N.A./XXXX XXXX XXXX credit card credit reporting payment history is immaculate/on time/never late across all three credit reporting bureaus since XX/XX/XXXX. On XX/XX/XXXX,  at approximately XXXX CST, I was told by a Citibank N.A./Home Depot Credit Card Services representative ( XXXXXXXXXXXX ) that a " periodic '' account review was done which caused my credit line to be decreased. For the record, my XXXX, XXXX and XXXX consumer credit reporting scores were HIGHER than they were when I was granted the initial {$4000.00} line of credit - ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX. I received letters from Citibank N.A. stating their decision was based on information from XXXX ... In addition to consumer concerns with using XXXX given what was transpiring with XXXX  during the timeframe of this incident, this is not only false representation it 's also malicious intent at the hands of Citibank N.A. I am a subscriber to a daily consumer credit monitoring service ( ATTACHED XXXX CREDIT REPORT FROM XX/XX/XXXX ) and there is NOTHING on my XXXX credit report that substantiates the claim from Citibank N.A.

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 2017-10-12 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: CA

Complaint narrative:
My credit report was hit with a charge off report in XX/XX/XXXX regarding a loan I never made with XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MT. XXXX XXXX XXXX is a tribal lender of the XXXX XXXX XXXX. The XXXX XXXX, XXXX XXXX and XXXX XXXX ( XXXX XXXX XXXX. XXXX, XXXX , XXXX and XXXX XXXX XXXX ) recently were green-lighted for investigation under the CFPB by U.S. Court of Appeal for the XXXX XXXX. The Bureau initiated  an investigation into the Tribal Lending Entities to determine whether small-dollar lenders violated federal consumer financial laws. 
A dispute for this error on my report was filed with TransUnion on XX/XX/XXXX as well as a letter sent to the creditor directly on XX/XX/XXXX by email to XXXX, XXXX. 

On XX/XX/XXXX, XXXX XXXX XXXX responded to my request and requested a police report and affidavit. At that point, I did not have any information to suspect how this information appeared on my credit report. Therefore on XX/XX/XXXX I requested that XXXX XXXX XXXX supply to me a full accounting of the loan allegedly made by me. On XX/XX/XXXX, XXXX XXXX XXXX indicated to me by email that I must supply them with my credit report to which I adamantly opposed giving any information to a lender I did not initiate contact with for any such loan. 

To date, XXXX XXXX has not responded to my request to provide a full accounting this loan is valid.

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 2017-10-12 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Purchase a vehicle last year XXXX/XXXX/XXXX, had a approval from my credit union bank and apparently the car dealership ran a credit inquiry regardless ; now because of this equifax breach I see these XXXX hard hit on my reports as will in XXXX & i want them off. I 've submitted request with no results.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
I am now abroad of the United States for 5 months, I think it is gon na be even longer ... Due to the fact that I do n't have access to my USA number they blocked access to my online banking. However, I have access to my email account which is registered in the bank. 
Several times I called them, explained that I 'm overseas and have only access to international number and e-mail they have in file. But they do not care.I ca n't check online what is going on there! 
I have 2 credit cards and 2 checking account, everything is blocking .... 
They may have confused my information with my stepfather, because when we first open a checking account, it was with his name like there are 2 people on the same checking account. But I have persona checking account! 
I also sent many times my documents via Fax ( instead of something to go to brunch ), as they ask. Absolutely nothing help! 
When I call them, they say different reason every time, first you have no USA phone number, the second some problem with one deposit a check or what, the third some deposits and more. 
In fact, I do n't have access online to my personal checking account and my personal debit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
previous filed complaint with CFPB # XXXX on XXXX XXXX, XXXX and referred me to FDIC and now FDIC referred me back to CFPB because the problem is XXXX which need to correct the data report. 

At first when I tried to open a bank account with other bank and was declined due to the report from my previous XXXX XXXX XXXX Bank marked it paid which is not indicated what type of paid that what I was informed from the bank declined me. Now the invested were completed from FDIC and revealed that the XXXX XXXX XXXX bank did n't report any negative report after the closing filed from first FDIC XXXX XXXX. No. : XXXX ) but when I tried to open bank account with other bank and still indicated paid which no one know what type of paid so I contacted to FDIC again and final investigate indicated from the XXXX XXXX XXXX Bank XXXX XXXX XXXX did n't pay for any charge off and indicate the paid was XXXX that mean XXXX did n't pay for charge off. and since XXXX still have the negative report on my credit report so FDIC told me to file the complete to CFPB because your company is the XXXX dealing with XXXX. and also about bank fraud. I filed the police report about bank fraud for the XXXX XXXX bank after I able to get the phone number from my XXXX and found out about the report about XXXX XXXX bank fraud and scam which I enclosed all the attached here with. XXXX have to clear my report on my report data because it causes me damage to not able to open an account since i am the victim made by XXXX XXXX bank. see from my search attached.

Company response to consumer: Closed with explanation