vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: KY

Complaint narrative:
First instance occurred w/ regions bank was on On XX/XX/2019 my purse was stolen out of a shopping cart, which resulted in many of my cards being stolen and used. When I noticed my purse was missing I cancelled all of my cards but couldnt dispute any transactions when the following Monday when they posted. XXXX dollars was withdrawn from my account. I filed a dispute and was denied b/c they wont except the police report AND the detective working the case has called several times and spoke w/ the supervisor himself. 
The second instanced occurred on XX/XX/2019 and I personal sat down with the branch manager and told him remove overdraft protection and I dont want nothing paid. I told him the representative said she removed it a week priory and she didnt and I was charged XXXX dollars in overdraft fee when the lady said she removed it. He promised he took care of everything and nothing will go through if no money isnt in the account. I woke up 2 days later and notice I was hit with XXXX dollars worth of overdraft fees when the branch manager of XXXX Indiana promised nothing will go through! Regions has being doing shady transaction moves allowing things to go through when your not opted in. In the past 2 month I been hit with almost XXXX dollars worth of fees!!!

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 2019-07-10 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: MI

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though Equifax Mortgage Servi is reporting a few alleged Inquiries for date of service XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 XX/XX/2018 that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only  legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
On XX/XX/XXXX I filed for a copy of my free annual credit report, as allowed under the FCRA. Experian responded and said they couldn't identify me, and requested further information. On XX/XX/XXXX I mailed the requested information. Experian responded and said they could only partly identify me. they then requested THE SAME INFORMATION I already mailed them. I responded AGAIN with the same information requested. They responded again saying they couldn't identify me and requested the same information AGAIN. On XX/XX/XXXX, Experian received certified USPS letter # XXXX. This letter contained 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. I have copy of tracking information and letter with all enclosed information to prove this. On XX/XX/XXXX, Experian responded by stating they still couldn't identify me and requested AGAIN the SAME INFORMATION the was already sent three previous times. 1. A copy of my license 2. A copy of my Federally Issued Social Security Card 3. A Copy of a utility Bill 4. A copy of every address I have lived at since age XXXX, 5. My Date of Birth. 6. My Full Name. While claiming not to be able to identify me and repeatedly requesting the same information, company haws repeatedly offer to sell me a copy of my credit file. If I cant ' be identified, how can I be sold a copy? Experian is attempting to extort me into buying a copy of my credit file.

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 2019-07-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was victim to an identification death. I lost my wallet five years ago with all my information such as ID- Social Security Card - Credit card .... I reported to the police it was in XXXX XXXX XXXX. The police found the valet, however, all my informations was stolen and they left only my Id. 
Some use my personal informations and applied several credit cards under my name - 1- XXXX XXXX : XXXX was opened on the : XX/XX/XXXX 2- XXXX XXXX XXXX : XXXX was opened the : XX/XX/XXXX 3-XXXX XXXX : XXXX was opened XX/XX/XXXX All these credit card listed above was fraud. Someone used my personal information to apply these credit card and now they all charged off. 
I was able to report it to the main 3 credits bureau such as XXXX -XXXX and Experian. 
XXXX and XXXX after there investigation found that all these account was fraudulent and deleted all of them. 
I did the same process with Experian and they don't want to delete these fraudulent credit under my account. 
I put a permeant fraud alert under my account for credit monitory. 
My name is XXXX XXXX DOB : XXXX SS : 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 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
In XXXX of 2019 I disputed and made an attempt to correct a few errors that were being reported on my Experian credit report. Two of these errors were two accounts that had gone onto collections ( medical bills ). The other two errors were accounts that were still being reported after 7 years of being reported negatively. The two medical bills that were reported were not paid by my insurance in which I was not aware of. I'm not saying that the bills are not mine, just should be given the opportunity to make payment arrangements on them instead of them being turned into a collection agency, then turned in to the credit bureaus. I disputed these same four accounts with XXXX and XXXX and after completing an investigation both agencies removed the information from my report. According to the Fair Credit Act, Experian has the responsibility of reporting consumer credit information accurately.

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 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
I called Citi Easy deals to ask where almost XXXX points went that I use to be able to get auction items like gift cards. They told me they kept them for two years and after that dropped everyone down to a tier system based on spending and we were not using that card and got dropped down to the worst category and lost all of our points. This is not acceptable we earned those points. We called today to ask them to meet us in the middle and work through this and they said there is nothing they can or would do

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 2019-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2019 I mailed and filed a taxable event with the IRS and the US Treasury and gave notices and copies of the taxable event to the Capital One credit card company. A 1040V payment voucher - {$490.00} to the U.S. Treasury and a 1040 to the IRS. 

On XX/XX/2019 I receive letter correspondence from Capital One stating, Thanks for contacting us about your Capital One account. We have recently been asked to update the account by a third party. Due to privacy laws, we need your consent to fulfill this request. You can either call to have your request completed or, if you prefer send us documentation showing that the third party has Power of Attorney, or a signed letter of consent, allowing us to release or change your account. 

I mailed my letter of consent shortly after receiving the letter. Then on XX/XX/2019 Capital One sent me another letter stating, As requested, we've done the following : We removed your name and address from future Capital One credit offers. 

Then on XX/XX/2019, Capital One sent another letter with a credit card offer with the subject as Re : Your account number ending in XXXX. We're happy to provide the MasterCard Platinum  benefits you requested. 

Since XX/XX/2019 to XX/XX/2019 ; I have called the Capital One customer service telephone line several different times asking Capital One to correct the mistake of closing the account and to re-open the account and to adjust the amount accordingly, but they have failed to reopen the account and have failed to resolve the issue in a timely manner. 

On XX/XX/2019 ; I called Capital One general inquires telephone line and spoke with XXXX, employee ID XXXX. XXXX was helpful and investigated the matter further. She stated that the account was closed because of missed payments or having credit over their acceptable limit. She found that I missed one payment but it was a long time ago, so all of my payments were on time. I stated that all of the information Capital One representatives were providing me sound very fraudulent and then she escalated the issue to her supervision, XXXX XXXX ID XXXX. XXXX took my feedback that the account was closed fraudulently and that my payments were mostly all on time and submitted for Capital One team to review the problems and to reopen the account without guarentee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: Innovis
State: MI

Complaint narrative:
I recently received and closely studied a copy of my credit report. To my dismay, it seems as though CBCINNOVIS is reporting an alleged Inquiry for date of service XXXX XXXX XXXX XXXX that has been unauthorized, not compliant, or without permissible purpose onto my credit report. I then send them a certified letter with return receipt # XXXX I did not authorize anyone employed by this company to make any inquiry and view my credit report. I understand that this is a violation of the Fair Credit Reporting Act Section 1681b ( c ) and a serious breach of my privacy rights. The inquiry showing by this company is not of any evidence detailing my authorizing of it or any verifiable documented physical proof of the adequately and lawfully acquired permissible purpose from the one and only legally identified me and or any person and or entity with authority to render such permissible purpose. To my understanding they have no right to violate common regulatory standards of compliant reporting laws and as such certainly are not to be allowed to injuriously, in defamation mind you, place any unproven item of information in chicanery-derived accusation ( s ) including any such claims of an inquiry deficient of demonstrated evidence of truth, accuracy, timeliness, and compliance on any consumers credit profile history much less one that has lodged a compliant checking for and calling for proof of said compliance to current federal and state regulatory reporting statues and laws UNLESS it is irrefutably shown that not only that I have authorized it but that the manner the alleged inquiry was processed and reported was in full agreeance to the acceptable standards of laws related, known or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 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: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
This is an on going issue with the company. I recently had an investigation done into the matter and as of XX/XX/19 it is complete. In which, XXXX conducted an investigation into the issue and verified information on the account regarding an XXXX XXXX. According to XXXX, the results were in fact that I did at one point have the account and Honda updated the account as the balance was paid in full as per Honda Financial Services and I never missed one payment while in possession. I received the results of the investigation in the mail today. IT IS MY RIGHT UNDER FCRA 623 ( b ) ( 1 ) ( D ) TO HAVE ANY AND ALL INCORRECT INFORMATION CORRECTED OR DELETED IF THEY CAN NOT VERIFY THE FACTS OF THE MATTER, WHICH IS THAT THIS ACCOUNT STILL HAS ERRORS. Number one, the account is listed as a charge-off. If the balance is in fact paid in full as reported and I owe {$0.00} as per the investigation this is severely misrepresented. A CHARGE OFF OCCURS WHEN THE NUMBER OF DAYS SINCE THE MOST RECENT PAYMENT REACHES 120 DAYS WITHOUT PAYMENT. THIS WOULD MAKE THE ACCOUNT DELINQUENT AND NO LONGER CONSIDERED CURRENT. This does NOT reflect my account at all. If i was delinquent Honda would not have updated the account as paid in full after Transunion 's investigation. I never missed one payment therefore the account does not fall under a charge off. It's just a closed account. I have the results of the investigation if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: LAKEVIEW LOAN SERVICING, LLC
State: CA

Complaint narrative:
I have contacted loan care lakeview services several times. They created an error and reported to credit bureaus and negative delinquent when in fact it was paid the XXXX of every month on time. This caused my business deal to fail through their carelessness and have not provided a Solution

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
S.P.S for 3 years I have been trying to get A Modification Approval In All of it on XX/XX/2019I Received Contract was informed to send all papers Back. One week later I was told to send first Morgage Payment with the Agreement I wired my first Morgage 15 days early one week later it was put back in my bank account then one week later they said they had found the mistake.

They advised me to wire the money Again .One week later A Sheriff put a letter on my door that my house was in foreclosure. I have A XXXX year old Mother that I care for PLESE I NEED Someones Help

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Hi, I have a very urgent matter once again due to a foreclosure sale on XX/XX/2019. IAM STILL HAVING TROUBLE GETTING A HOLD OF SOMEONE AT THIS COMPANY. EVERY TIME I CALL AND INPUT MY ACCOUNT NUMBER IT GOES STRAIGHT TO VOICEMAIL AND NEVER CONNECTS ME TO ANYONE AT BAYVIEW. This is a very very big problem and issue as I can not speak with anyone and do not have a direct contact to a person. I applied for a loan modification to Bayview Loan Servicing , LLC numerous times before and they always prolong the process. Never gave an offer and never accepted my loan modification. Ever since then I have been trying to get a loan modification and I can not get one from this company. I mailed in my rma packet and all required documentation as per guidelines. Im in a loan modification review as they should have requested documents for a review. From the past Ive had trouble calling Bayview Loan Servicing , LLC to ask about any status or updates for the loan modification and a status on the loan modification I get nowhere. I call in, the phone system asks for my social security number or my loan number, I put in the loan number and or social security number, it rings couple of times and then it goes straight to a common voicemail. It says thank you for calling the underwriting department please leave a message or set up a time to call you back. Ive tried multiple times to set up the call back and never got a callback and the other times their phone system just hung up on me. I would try this couple more times at different times in the day and get the same results. These are the numbers I have called to get in contact with anyone at Bayview Loan Servicing , LLC : XXXX, XXXX, XXXX, XXXX, XXXX, XXXX all and each phone number has the same process. As soon as I input my loan number it seems like their system registers my loan number and does not transfer me to a live person at Bayview Loan Servicing , LLC but transfers me straight to a voicemail. I feel like this is international so that I would not be able to speak with any of the Bayview Loan Servicing , LLC representatives and to prevent me from getting a loan modification. This feels like a very big problem that they do this. I can not speak with anyone regarding my loan thus iam not able to know the status of the loan modification and I can not move forward. In the past I had this issue as well and it has not been addressed. In the past this has happened multiple times on multiple days and each one does this until I clicked the number 0 for a very long and tedious process I finally got someone. But now it does not work and it goes straight to a voicemail which even after leaving voicemails to be called back I never get any call backs. If Im not mistaken Bayview Loan Servicing , LLC is in violation of my Homeowner Bill of Rights. Seems like they do not want to help me but to just sell my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
When my ex and I broke in 2012 up She was working for XXXX XXXX  in sales And she had purchased a vacuum with out my knowledge or consent She had stolen all my information and Had forged my signature I have filed a police report I have tried contacting the creditor And I have tried to disputing through XXXX XXXX The creditor had sent back a copy of the contract the signature on the contract is not mine

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Hello, I had opened the Home depot credit card account with 0 % interest rate terms in XX/XX/XXXX. The terms signed had misleading advertising showing 0 % interest rate in bold large font and finance charges in fine print with no details of exactly what amount they will be charging each month after promotional period. They started charging exorbitant predatory interest charges XX/XX/XXXX onwards without any separate notification letter and these details were not apparent in the initial  advertising that they gave us to signup for the promotional offer. 

Homedepot started charging a huge amount of interest rate on my balance from XX/XX/XXXX onwards. Previous Balance : {$3800.00}. Monthly Interest Charged : {$780.00}. XX/XX/XXXX statement : Previous Balance : {$6800.00}. Interest Charged : {$150.00}. Autopay : {$220.00} was charged.

XX/XX/XXXX statement balance : {$6600.00} doubling the initial balance inspite of making the autopayment every month. 

Homedepot never sent any email notification or letter about the upcoming exorbitant interest rate change. The account was set up in autopay in order to avoid any late fee. 

I have requested Homedepot several times to waive/adjust the interest charges from XX/XX/XXXX since we were never notified, with any online or paper letter or email or phone call. I could have paid the whole balance of {$3300.00} by the due date XX/XX/XXXX if I were notified. The account is in good standing with no late payments due to the auto payments. All the online account notifications were turned off in the default settings of the online paperless account. We got access and went into the online account in XX/XX/XXXX and discovered these charges.

Autopay History fromXX/XX/XXXX.

PAYMENTS XX/XX/XXXX {$220.00} XX/XX/XXXX {$220.00} XX/XX/XXXX {$230.00} XX/XX/XXXX {$210.00}XX/XX/XXXX {$220.00} XX/XX/XXXX {$74.00} XX/XX/XXXX {$39.00} Thank you, XXXX XXXX Ph : 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