vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Collection Bureau of the Hudson Valley, Inc.
State: NJ

Complaint narrative:
On X/X/17 I filed a complaint against the Collection Bureau of the Hudson Valley for failing to provide adequate verification of a debt. The company 's response was that they would provide this information. As expected, I have not received any mail from this agency - yet this unpaid bill sits on my credit. Below is their previous response - " X/XX/17 We mailed this consumer letters on XX/XX/17 and XX/XX/17. On XX/XX/17, a collector asked to verify the consumers current address. The consumer stated the address we had on file was a previous address but the consumer did not want to update her new address because her mail was being forwarded. I updated the address on this account to match the address listed in this complaint and have requested a copy of the itemized bill from our client. Once this information is received we will mail a copy to the consumer at the address listed on this complaint. We will cease all phone calls to the consumer regarding this account as per the consumers request in this complaint. This account is being reported to the credit bureaus as disputed. '' As I have not received the bill from the original creditor, or have I received a bill from CBHV, this remains an outstanding issue that will remain in dispute. The only change is CBHV is not calling me, but this company is allowing me no recourse or remedy in resolving this issue. 

Reminder, I also contacted XXXX and spoke with a supervisor. This person advised they could not provide any information because the issue was being handled by CBHV. This person referred me back to the agency. When I advised the supervisor of how this was handled and asked how I could confirm and pay the debt if it was valid, they stated I could only get information from CBHV. Again, this leaves me no remedy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Loan payment wasn't credited to your account — 
Company: CURO Intermediate Holdings
State: AZ

Complaint narrative:
On XXXX/XXXX/XXXX, I called XXXX XXXX XXXX XXXX title loans XXXX, and was transferred around with no resolve. They stated that they were not the main lien holders, but were the secondary. I contact the other supposed lien holder and they stated that they were not the lien holders, but XXXX XXXX were the original lien holders. I then called back XXXX XXXX and they did verify that they were the lien holder and was transferred to the bankruptcy dept with no resolve, and could not leave a voice message. I in total was transferred 12 to 13 times and I still do not know who has my title for my car. 

I had declared bankruptcy in XXXX, and the balance in the amount of {$4000.00} should not be owed and should have been included in the discharge. I am disputing that this company still has the right to hold my title due to this reason, and I have not been able to get in contact with anyone with this company in regards to this. 

I would very much appreciate some assistance with this, as this title loan was originally initiated 8 years ago, and is considered to be a very old account according to the company. Let me know if you need anything else in regards to this. 

Thank you and have a great day. 

XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have tried to place a freeze on my credit four times now using the Experian website on this day XXXX/2017. Each time they have declined my request and told me to send them something by mail. I can not find a customer support line to resolve this issue. Considering the XXXX breach, I would think being able to place a credit freeze would be simple enough. Both XXXX and XXXX have allowed me to do so without much hassle.

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 2017-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Capital One Had issued a check for closing the accounts with 360. Unfortunately, the check had expired. Capital One needs to issue a new check in order for me to redeem my funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
Pursuant 1692 ( a ) ( b ) the City of XXXX engaged in abusive, deceptive and unfair debt collection practices by booting, impounding and holding consumers vehicles, which contributes to a high number of bankruptcies, material instabilities, job loses, and invasion of ones privacy. Existing laws are inadequate and offers no true remedy, or relief, which forced me to file bankruptcy to get my car back. 
Violations have been detemined after thorough examination of the communication 1692a ( 2 ), FDCPA, conveyed through the mails and received at the consumers ' sanctuary. Employees agents, and or assigns from ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX - XXXX XXXX who operated in the capacity of a debt collector pursuant 1692a ( 6 ), FDPA, because o ARNOLD SCOTT HARRIS, P.C., XXXX XXXX XXXX did violate numerous provisions of the Fair Debt Collection Practices Act ( " FDCPA '' ), Public Law 111-203, title X, 124 Stat.
2092 ( 2010 }.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
If wells fargo does n't handle any domestic dispute. Then why did they get involved when XXXX XXXX falsely accused me of harassing her. I have never harassed XXXX XXXX, and how was I harassing her when I was told by wells fargo to come in a local wells fargo brance to get my new account open. It was all a set up by wells fargo to falsely accuse me of harassing her. I did not know at the time that she was in the bank. I was only taking care of my own banking business. XXXX XXXX is using her position to do unethical and felon criminal things toward me. Wells fargo refuses to explain how i am continuing to harass her. I was only in the bank to handle my own banking business and XXXX XXXX had no right to interfere in my business. Wells fargo has the definition of harassment all wrong. I have never harassed XXXX XXXX she has always harassed me and I take it as an insult for wells fargo to believe her side of the story over mine. If they do n't handle domestic disputes then why did they get involved to close my account, due to my " Continued harassment of their " PRECIOUS '' district manager XXXX XXXX. This was a injustice done to me and is completely unfair how they have allowed XXXX and XXXX XXXX to harass me and slandered my name which caused me to lose my checking account. I only had my new one open for a few weeks and it is an " OUTRAGE '', that they let this happen to me. Banks are suppose to take privacy issues very serious, but they let XXXX and XXXX XXXX violate me and my sons personal and financial information to be compromised. The first story wells fargo told me that my account was " COMPROMISED '' which is why they closed it, and they told me i had to come in a local wells fargo branch to open a new one. Its a plain insult after running me back and forth trying to get my new account open, for XXXX XXXX to say that I harassed her and close it. There is " SECURITY FOOTAGE '' to show that I was only handling my own banking business. There is something very wrong here if wells fargo refused to look at the security footage but took her side and refused to listen to my side of the story. XXXX XXXX has " DEFAMED '' my character all around wells fargo and getting her co-workers involved in the unlawful and felon harassment against me. The reason why wells fargo is protecting XXXX and XXXX XXXX is because they big bosses at wells fargo are felon criminals to. It was n't " FAIR '' that wells fargo closed my account and told me I could n't enter into a wells fargo, even if i had any type of loan. I was to conduct any type of business over the phone, this was a direct violation of my " CIVIL RIGHTS ''. And how they still allow XXXX XXXX to do unethical and felon things against 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 2017-09-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Mortgage reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Advance America, Cash Advance Centers, Inc.
State: IN

Complaint narrative:
On XXXX XXXX, 2017 a loan of {$400.00} was established. The interest rate being 347.69 % with a finance charge being {$57.00}. Within a week, XXXX XXXX XXXX contacted me about the way Advance America conducts their payday loans. Upon further investigation, I was able to ascertain the basis that Advance America was in fact violating the Indiana Statue governing the way payday loan companies are to conduct themselves. The maximum finance rate and fees allowed by Indiana law on a loan of {$400.00} is 13 %. This is not the case in the existing loan. The rates in this loan are beyond 13 % which if that is true, it 's more than the maximum finance rates and fees allowed in the State of Indiana Statute 24-4-4.5-7-101 et seq. Advance America is committing fraud which is unethical and has chose to violate the Indiana rules of law are required for payday loans to abide by. This action is the intended action the Indiana Statute is intended to avoid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/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 2017-09-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX reports rolling late payments from XX/XX/XXXX - XX/XX/XXXX in error after this loan was closed in early XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
American Express had a promotion for XXXX credit card with XXXX points with first {$3000.00} spending within 3 months, then additional XXXX points with {$2000.00} spending within next 3 months. I have completed spending {$3000.00} around XX/XX/XXXX, and I have never received the points. I tried to communicate with American Express multiple times, but all they say is it usually takes 6-8 weeks or they need more time to investigation. This is after 14 weeks after I have given them time to investigation. I have not heard back nor received the points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX I submitted a complete request for Mortgage Assistance application with Chase for my Loan # XXXX. I provided all the requested income & hardship verification documentation in order to be considered for available home retention options to avoid imminent default on my interest only HELOC that I have only been able to make the minimum payments on since the loss of my business and my divorce by exhausting my retirement savings. On XX/XX/XXXX I was notified by my lender that my request was denied because my payments are being made & I am not currently in default. The account representative stated that this was the investors decision however if I did end up defaulting on the loan that I could submit a new request for assistance at that time or file an appeal. This is unethical being that my loan is an old Washington Mutual Interest only loan with a balloon payment which means I have an option to pay the minimum payments however if I do so when the very last payment on my 1st mortgage is completed in XX/XX/XXXX I would owe the balance of the HELOC XXXX to be paid within 30 days or my home will be subject to foreclosure a stipulation of the agreement I did not fully understand at the time. I will be almost XXXX XXXX XXXX at that time unable to meet that requirement and ultimately will loose my home. Chase has put me in a very uncomfortable position with this decision as I have never been offered any type of assistance in the pass. Please advise if you can be so kind as to assist me with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/2017 I tried an online freeze of my credit ( considering XXXX breach ). Experian said it can not honor my request. Tried twice.

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 2017-09-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
We were billed {$25.00} because TD Bank stated our checking account balance fell below the required $ 2.5k minimum. When we opened the account, we were advised that it was the balance of all of our accounts, not just checking which is why we agreed to that account type. There are other options we would have chosen had they made that clear. In fact we were steered away from their relationship checking because it had a higher combined minimum balance even though the total of all of our accounts exceeded the minimum. If the terms of my account have changed since we opened a several months ago, I do n't recall notification of it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: 21ST MORTGAGE CORP.
State: FL

Complaint narrative:
I closed on the sale of my home on XX/XX/XXXX. I have not received my funds from the sale because XXXX XXXX XXXX is refusing to release the Lien and Title until XX/XX/XXXX. I spoke with XXXX XXXX  on XX/XX/XXXX and was told that they had received the payoff check on same date. As per conversation with them on XX/XX/XXXX and XX/XX/XXXX. The Realtor has her commission. The purchaser has her house. 21st Mortgage Corp has the entire payoff for the house. And I have no home, no money and am on the verge of being homeless effective XX/XX/XXXX. There appears to be something very wrong with this picture. I NEED HELP NOW before I resort to having to live on the street. I am being placed in this situation because 21st Mortgage Corp is holding the Title and Lien for my home hostage until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I would like to say that I have ben trying to get this fixed for years with no luck it is funny that we do n't have any one that will stand up for what is right. what I said was the truth no matter what JPMORGEN sais I did not lie it happened just like I said and it is a shame that the CFPB cant do a thing. but they do fine them millions of dalliers but the people that deserve there money back that was cheated out of it. i do n't no what they do with it it is millions they get where dos it go & & & & & & & & I was cheated out of my house I wont the money that I deserve and I will never have any thing to do with JPMORGEN CHASE and I will never say any thing good about them the way they lied about the hole thing I tried to work with them ask XXXX XXXX if she is not afraid she will tell you I cant get my house back but I would like to have the money back the truth is I could n't sleep at night if I did people the way they did

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Sub : Citi Bank is cheating the customers not giving the bonus. 
Ref : XXXX XXXX Citi Priority Account endingXXXX XXXX XXXX Citi Priority Account endingXXXX I opened an account with CITI Bank on XXXX XXXX, XXXX at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. At that time there was a Citi bank bonus offer of {$500.00} to the customers if any customer deposits an amount of {$50000.00} or more for three months. According to the offer I deposited {$50000.00} on XXXX XXXX, XXXX and I opened the online banking at the time of opening from the bank itself. XXXX XXXX XXXX was the representative who helped to open the account. After opening the account, she had given me a referral offer with a referral ID ( XXXX ) and explained me that if I refer any new customer and the new customer deposits {$50000.00}, I would get a referral bonus of {$300.00} and the new customer would get {$500.00} which is the bank bonus offer existing at that time. According to my referral my XXXX XXXX XXXX went to the same representative XXXX, opened an account and deposited {$50000.00} on XXXX XXXX, XXXX. She showed the copy of the bank bonus offer of {$500.00} and also showed my referral ID to XXXX. XXXX also explained her the same that she would get {$500.00} as the bank bonus and I would get {$300.00} as the referral bonus. 
After the three months, I received my {$500.00} as the bank bonus to my account and in XXXX XXXX, I received only {$100.00} as the referral bonus. When I enquired about it bank says different answers and now says that the maximum bonus is only {$100.00} for referral. 
Today, when I saw the branch manager XXXX XXXX XXXX, he told me that he does not know what happened six months ago and he was not responsible for what the representative had talked me and given me and he can not resolve my problem. 
At the same time my XXXX XXXX XXXX received only {$300.00} instead of {$500.00} as bonus which is also cheating. She opened the account and deposited {$50000.00} only because of the banks {$500.00} bonus offer. 
I request you to kindly investigate this cheating and take necessary action in order to get my bonus from the bank. 
Thanks, 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 2017-09-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: LEXISNEXIS
State: TN

Complaint narrative:
lexisnexis was told to remove info. they passed the buck onto XXXX. XXXX refuses to budge. 

FCRA- " NEW '' accounts need verification. My accounts are hardly new. In fact over XXXX  years old. request for info to update database based on my blood type etc. is HEREBY DENIED.
EACH AND EVERY REPORT GIVEN has not had the demanded dispute letters, emails, etc. I have not gotten phone recordings, etc. PUSH BUTTON mechanics. NOTHING RESOLVED. I AM ESCALATING CLAIM.
NOTHING IS GETTING REMOVED. I SAID TO SUPPRESS THE INFO. I SAID I DIDNT WANT MY INFO STOLEN. NOBODY GIVES A FLYING XXXX. EVEN if addresses are OVER TEN YEARS OLD. INFO SHOULD NOT BE ON MY FILES ANYWHERE. FILES SHOULD NEVER BE CONNECTED to the internet ( EQ ).
I DENY any right to waive lawsuit. I INSIST ON SUING for damages due.

Company response to consumer: Closed with explanation