vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: NH

Complaint narrative:
I opened a One Deposit checking account with Citizens Bank on XX/XX/2018. It's been 90 days since my deposit and I haven't been awarded the {$200.00} bonus. 

I also made three online bill payments and did not receive a {$50.00} bonus as stated in the mailer that I was sent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
Portfolio Recovery harrass me with consistent phone calls from multiple numbers multiple times a day, I already sent in a monthly agreement and pay them a monthly amount to pay off debt and get a paper statement to prove that

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-28 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: World Omni Financial Corp.
State: FL

Complaint narrative:
I was the cosigner on a loan for a vehicle with World Omni Finance. Omni could not find the borrower so they took me to court saying that I would have to pay the remainder of the loan that was left over after the sale of the vehicle. That amount was around 15K. Since then they have added anywhere from 127 to 427 a month in additional late fees ... and sometimes twice a month. I have no documented payment agreement with them that states they can charge me late fees. I would like these fees removed and the way they are reporting this to the credit agencies ( repo or foreclosure ) to change to repo only. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: MD

Complaint narrative:
Dear CFPB, This complaint is for Barclays XXXX Credit Card ( Application ID XXXX ). 

I have more than 700 credit score and I have other multiple credits cards with XXXX  XXXX XXXX and XXXX. 

However, Barclays is repeatedly denying my application. 

After talking to them, they said I do not have a cell phone, so they can not accept my application. 

I have provided them my SSN, my full credit check and my address. 

They are asking me to mail them paper copies of my Driver License, SSN card, Utility bill and bank statements. 

I am afraid, this is unfair. What if my papers are used for identity theft. What if my papers are lost. 

I am perfect credit score. All other banks have easily accepted my application. Why is Barclays being so unfair in approving my application?

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 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
I HAVE TURN TO CFPB FOR HELP RESOLVING A INCORRECT INFORMATION ON MY CHEXSYATEMS AND THEY FORWARD MY INFORMATION TO CHEXSYATEMS AND CHEXSYATEMS REPLY THAT THEY VERIFIED THE AND CLOSE THE CASE WITHOUT AND EVIDENCE OF DOCUMENTS, I HAVE ASK CHEXSYATEMS AND XXXX  THE BANK WITH THE INCORRECT INFORMATION ON MY FILE TO PROVIDE ME EVIDENCE OR DOCUMENT THAT I OWE THEM ANY MONEY AND BOTH HAVE FAIL TO PROVIDE ME ANYTHING. 
AS OF XX/XX/2018 THE INCORRECT INFORMATION IS STILL ON MY ACCOUNT AND HAS NOT BEEN DELETED.

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 2018-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: FINEX Group LLC
State: VA

Complaint narrative:
CFPB closed my previous complaint on XXXX for whatever reason and then the same company, FINEX Group XXXX XXXX XXXX XXXX XXXX XXXX called again saying I owed a debt? I NEVER received anything in writing from anyone for a debt. I have NO Debt, No mortgage, No Car, No credit card, etc. Their Web site says their address is Permanently Closed. Please put these scammers in jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: AR

Complaint narrative:
i had a debitcard on the XX/XX/2018 from the usaa mobile app. It was not me or anyone else authorized for the ordering of a new debit card my phone did not do the request. I would like the request for a new debit card from the usaa mobile app to be investigated to find out the phone or person or persons responsible for the unauthorized order of replacement debit card. The fraud depart at usaa is going to be doing an inner investigation on their end but part of their investigation process is to fill this fraud report out

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: MILLENIUM HOME MORTGAGE LLC
State: NJ

Complaint narrative:
I closed on an FHA loan in XX/XX/2014. Prior to closing, I was provided with the INCORRECT PMI disclosure statement, which advised that MIP/PMI would eventually be eligible for cancellation. I understand NOW the guidelines of FHA, and understand MIP can not be cancelled on this loan for the entire life of the loan, due to closing LTV. However, I would not have closed on the loan if I were provided with all of the details prior. I consider this " bait and switch '' and " predatory '' lending.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CASHCALL, INC.
State: CA

Complaint narrative:
CashCall Inc. keeps giving my loan to other company and keep raising interest on my loan and to that I stop paying them.

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 2018-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Seterus, Inc.
State: TX

Complaint narrative:
I applied for a modification for the loan. I was waiting to hear back if I received the modification and received notice from Seterus 's lawyer that i was scheduled for foreclosure in 3 weeks. I had not received any communication prior to that. When I called Seterus, I found that they had been sending communication to a lawyer that I no longer had. One letter that they sent had my address but another person 's name on it. When I told them that they had sent everything to the wrong place and asked for more time since I didn't know I didn't receive the modification and got the foreclosure notice so late, they refused.

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 2018-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
am a XXXX service member for last couple of years, I was recently XXXX  to XXXX XX/XX/XXXX, I was in XXXX XXXX in XX/XX/XXXX with my family were also relocated at that time, this year my family returned home and I got a change of station to XXXX and my family, my kids and wife living in the home that Nationstar aka Mr. cooper trying to foreclose on my home and kick my family out, I applied for modification last year XX/XX/XXXX and denied mod and hired a paralegal XXXX XXXX in which I signed a durable power of attorney to help me negotiate the mod and help me force lender to give me a mod until today there has not been any respond for the appeal nor they speaking to my attorney by power of attorney and claiming she isn't attorney they wont speak to her and harassing my family by sending people to my house and posting notices on my door ( scare notes ), they also recorder a notice e of default on, my property XX/XX/XXXX ignoring the fact am not home and my family has no place to live in while am out, this lender is corrupted and request your assistance to force them to give me a mod request sent last year and over turn the denial please. yes I had problems paying in the past but they knew the reasons why, I was injured in XXXX  and had to take time off the service to rehabilitate and my pay was cut and have a son that's XXXX  and had bunch of medical bills too to be paid and we had financial hardship at that time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an email through my school email about a job. I applied for it and then had an online interview with the company on XX/XX/XXXX. I went through with the interview and was given the job. They then sent me a check of {$1400.00} on XX/XX/XXXX for the materials that I needed and asked me to send a majority of it to the company they work with to get the materials I needed for the job at the companys discount price. I sent {$1200.00} on XX/XX/XXXX through XXXX XXXX and the total came out to be {$1300.00}. Later that day, they sent me another check for {$1900.00} and asked me to do so the same the next day. On XX/XX/XXXX, around XXXX XXXX, they asked me to send them {$1400.00} through XXXX and wanted me to buy 5 {$100.00} XXXX gift cards and that is when I realized it was a fraud. At that point, I knew the checks were going to bounce and I immediately called my bank and XXXX XXXX and told them about my situation and Chase said that they couldnt do anything because the money was sent through XXXX XXXX. I then called XXXX XXXX and they gave me a case number to give to the police. I called the police and told them everything. I had my mother go talk to the bank in person to see if there was anything they could do and they said that it is possible that I wont have to pay the {$1300.00}, but there was still a chance that I was going to have to pay it. On XX/XX/XXXX, I received a letter from chase bank saying that the issue with the {$1400.00} check was resolved, but on XX/XX/XXXX, both checks bounced and Chase refuses to pay. Chase proved that it was truly fraud, but they still wanted me to pay anyways. They were supposed to protect me and look into the checks before depositing it into my bank account. I had no idea that the checks were fraudulent. They looked like regular checks to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX US BankXXXX is excessively holding funds that were on pre-authorization from a hotel stay I had at XXXX XXXX at XXXX XXXX XXXX XXXX XXXX XXXX. The property has been willing to work with the card company but the card company 's representatives consistently give erroneous information. I was first told that upon submission for card XXXX XXXX XXXX XXXX that as long as there was a CARD ID provided that the amount given on the merchant release letter did not have to match what the card company has. This is significant because the card company charges an additional 20 % of incidental charges for any service industry charge yet the property can not see that. Each time the merchant sent a release form it takes four hours to process for each mistake is costing me four hours of waiting time. The property doesn't normally submit a form on a charge that they can't see buy again, to assist they did so. I conferenced in the property with the bank and agent XXXX XXXX is on recorded line stating with confidence that it the hotel would re-submit the form with the amount " {$80.00} '' that, that amount would be released as of yesterday XX/XX/18 that she would be able to release once the fax was processed. So Again I waited another four hours, a total of eight. I had no where to stay and that amount was to be released so I could get room and board. Approximately XXXX XX/XX/18. I called for the release and was now told that information given be XXXX XXXX was erroneous this makes two conservative call like this. To compound the issues subsequent agents were rude and unwilling to assist and they were address with an appropriate response. I then got Ms XXXX XXXX back on the line in which she completely contradicted herself bringing her integrity into question. I then spoke to someone claiming to be her supervisor who continued to reiterate lies. All the while I, the customer have no place to go until my money is released days from now. This is also hours after the property who originally submitted the charge had placed in writing that they were releasing that amount and would not purchase any additional amount for payment. My bank, the institution that's supposed to protect now punishes me with bad information and lies and in effort to cover it up they continue and instead of helping their own customers and this pattern has caused me to seek damages. Please assist

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 2018-10-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
We contacted our mortgage lender on XX/XX/XXXX with an email requesting PMI removal as per their instructions. We were told processing would take 7-10 days for a third party appraiser to come out and begin process. No response. 

We called the lender on XX/XX/XXXX to check on status and they claimed never receiving the first email. We again emailed the same PMI removal request. They confirmed receipt of email and told us it would be expedited. No response. 

Called the lender in early XXXX and asked about status to then be told the process takes 30-45 days! No response since then. 

Now that the 45 days have passed, we have still not heard from the lender.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have a business checking account as well as a personal checking account with Capital One Bank. In the past, I was able to transfer funds from my business to checking account to pay my personal bills and etc. Capital One has recently updated their website and they are now telling me that I can not make transfers or pay myself from my business account. They are MISLEADINGLY referring that to IRS tax policies. I am have asked them to review my past transactions where clearly shows these types of withdrawals. 

In addition, my business saving account has interest payment IRS tax withholdings. I have patiently worked with Capital One to correct my Federal Tax ID number which was mistakenly typed wrong by them. This has been going on for more than a year now. I have sent them several completed XXXX forms and each time they have failed to correct that in my account. 

The whole process is very frustrating especially when Capital One is treating their 360 Checking account differently than other personal checking accounts. The only choice for me is to cancel my account and go to another bank. This process will be very time consuming and costly as all my vendors are automatically set to be paid ( ACH ) from this account. The whole issue has occurred since Capital One has updated their site and it has nothing to do with IRS policies. 

I would appreciate it if you can help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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 — Investigation took more than 30 days
Company: Sterling Infosystems Inc.
State: TX

Complaint narrative:
Sterling Infosystems has a pattern of putting derogatory information which may belong to one individual onto other family member files. That they have a pattern of failing to timely investigate matters and purge derogatory information on a timely fashion. 

On XX/XX/18 I was provide a copy of a background report provided to XXXX  On XX/XX/18 I submitted a certified letter disputing the information and requested it be investigated and as of XX/XX/18 Sterling Infosystems has not responded

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 2018-10-28 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
This company is constantly calling me leaving detailed messages about someone else ( which is illegal, they are leaving someone elses name and information on my voicemail I have proof of this ). The person leaving the message is stating that Im related to the person they are calling for, and that they need to speak to me. These people need to get their records straight. I am not in anyway attached to this person and this company needs to stop calling me, theyve called me several days for months, several times a day Ive asked you before not to be called and they keep calling, this is illegal and this has nothing to do with me. I do not know this person that they are calling for. The next step will be a lawsuit they need to take my number off of their records and stop calling me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I received today an updated TransUnion credit report. There is an account that is showing as adverse ... XXXX  ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. TransUnion will not correct 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 2018-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Hello, in the XX/XX/2018, my application to XXXX XXXX XXXX of becoming a secret shopper for stores like XXXX and etc was approved. With a series of txt messages, and they delivered me via USPS a large envelope with a {$2300.00} cashier 's check, i was instructed to deposit the check into my account at my Bank. The very next day Bank of America released the funds, and i was instructed to withdraw most of it, buy money orders, and deliver them through XXXX via next day shipping including receipt. 4 days later my Bank alerted me that my balance fell below available amount. I called the bank and they said the check was fraudulent, i asked why they released the funds the very next day of a large check that they did not recognize, and they said because of my good standing record as a banking customer, that usually they don't release funds for many days, even sometimes weeks. I requested Bank of America to open a claim number which they refused to open for me, even tho they admit that the account of the cashiers check did not exist. I did file a police report, i felt this could have been a inside job through the bank, or a false scamming job agency!

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 2018-10-28 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: NY

Complaint narrative:
I received today an updated XXXX credit report. There is an account that is showing as adverse ... XXXX ... .this account was never paid late back in XX/XX/2013. I have contacted the creditor personally a few times and it has been agreed that the account will be corrected and put on my credit report as a satisfactory account that is paid as agreed. They put the status as paid as agreed but yet listed it as an adverse account which is affecting my credit score. XXXX has corrected the issue as of date. XXXX  will not correct 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