vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In XX/XX/XXXX I began to receive notifications from Citibank asking me to update my personal information. Since XX/XX/XXXX I have received approximately ten different notifications. Each time I received a notification I went personally to my Citibank branch and updated my information. In XX/XX/XXXX, I received a letter from Citibank stating that my one of my three accounts had been closed and there was a check for the balance of my account. A few days later I received another letter cancelling my second account with a corresponding check. My third Citibank account is a CD which I have not been able to access and I have been told I will not be able to receive those funds until XX/XX/XXXX. No one at Citibank has been able to clarify why my accounts were closed, why my third account ( CD ) can not be canceled immediately without any cancellation fine or penalty, and lastly if Citibank will reimburse me for the checks and the corresponding fines for the checks I issued before my accounts were cancelled. Had there been a serious problem with my personal information, why wasn't the CD account cancelled as well? I never received any prior notification of my accounts being cancelled nor any explanation.

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 2018-07-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
My two accounts with Bank of America were suddenly closed without any notification

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
I have been a Wells Fargo customer for many years and the fees and charges they keep piling on Im questioning the legality of these actions. Ive fallen on hard times and normally live paycheck to paycheck and on occasion overdraft. Wells Fargo charged multiple overdraft and insufficient fees which hinder getting things back on track. They always authorize the overdraft seemingly to just brutally charge the consumer many many fees. I had good relations with the employees at the XXXX XXXX branch but this is higher than them. An investigation into this would be greatly appreciated. Please help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Unable to open an account
Company: EVERBANK, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
I received the following message from XXXX XXXX after applying to open another CD ( I currently have 4 open CD 's with this financial institution ) : " Thank you for your recent inquiry. Per your request, I'm able to provide you with the following information. 

We have made the decision to not open any additional accounts. Any pending applications will be closed, and if a funding check was sent in it will be returned to you. 

We look forward to serving all of your financial needs, so please get in touch if you have any additional questions or need further assistance. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have spoke to XXXX about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 J.p. morgan Chase inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from XXXX on : XX/XX/XXXX XXXX inquiry from XXXX on XX/XX/XXXX XXXX inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-12 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: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: IL

Complaint narrative:
I have spoke to XXXX  about my inquires back in XXXX. I still havent had them removed. I spoke with them in XXXX, XXXX, and XXXX and they are still there. The creditors that put the inquires out there have sent several letters to XXXX   as well. The inquiries that need to be removed are the 5 XXXX XXXX XXXX inquires from : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX 1 inquiry from OneMain on : XX/XX/XXXX 1 inquiry from XXXX on XX/XX/XXXX 1 inquiry from XXXX/XXXX on XX/XX/XXXX 1 inquiry from XXXX XXXX on XX/XX/XXXX I have already sent over documentation stating that I did not make these inquires.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I disputed an XXXX charge of {$570.00} with Citibank. I received a temporary credit and was sent a letter via mail from Citibank which I mailed back. Citibank has since be rebilled me for the charge stating they never received my response which is ridiculous. It also instructed me to follow up with the merchant which was the reason for the dispute because the merchant refused to cooperate with 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 2018-07-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
In XX/XX/XXXX our home loan was modified using the HAMP program. The lender offered two pay to perform benefits. One would be {$1000.00} per year for the first five years for a total of {$5000.00}. Second is a principal deduction of {$26000.00} per year for the first three years for a total of {$79000.00}. This full credit should have been completed XX/XX/XXXX. I would like to point out that this loan agreement has been signed and notarized by both parties and filed on the property. 

As of today, we have received {$4000.00} credit for the $ XXXX/year and {$0.00} of the $ XXXX/year principal reduction. These terms are stated clearly on the HAMP agreement filed on the property dated XX/XX/XXXX, page 4, paragraph 1. It also stated clearly on the HAMP offer from NationStar dated XX/XX/XXXX, page 3,  paragraphs 1 and 2. 

I called Mr. Cooper ( formerly NationStar ) several times asking about the $ XXXX/year and have been given the runaround. Here are my notes on the calls : XX/XX/XXXX - Spoke to XXXX at Mr. Cooper. Was told that two {$1000.00} ( XXXX, XXXX ) were on record but nothing on $ XXXX/year. She was sending an inquiry to pay to perform department. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ). Inquired again about credit noting that it shouldve been completed in XXXX and that it was two years past due. I was told that it was a typo and that I would only get the $ XXXX. Transferred to XXXX XXXX, supervisor ( x XXXX ) and told it was being reviewed by pay to perform XX/XX/XXXX - Received letter showing credit of {$4000.00} for pay to perform incentive. 

XX/XX/XXXX - Left message for XXXX XXXX. Call returned and he stated there has been no feedback on my inquiry. 

XX/XX/XXXX - Spoke to XXXX ( in AZ ) as XXXX is now unavailable to take my calls. He told XXXX he will email me. After some heated complaints of all the emotional distress Ive experienced dealing with them I was finally given to XXXX XXXX. He stated again that he did not have an answer. He said something about the documents being reviewed. 

Overall, getting a HAMP loan has been an extremely stressful process on us. We had to hire attorneys to get it in the first place. Now Mr. Cooper has made it clear that they have no intention of honoring our agreement ( that they offered ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Well i'am trying to buy a home and all of sudden these people from Transworld Systems Inc. want to put a collection on my credit report XXXX XXXX XXXX ) a very old collection from 2013 or so i believe I never received a notice from them at all. I tried calling several times unable to get a hold of anyone. 

Its an old collection, reported as new, as said i called the number on the credit report and it wasnt accurate, found number on the XXXX  website, gave last 4 digits of my social, they could not validate the account. i also filled a complaint with XXXX   and they were unsuccessful in obtaining a response from the company. 

So i'am asking because they could not validate the account is there anyway i can request a deletion. My wife and I are having a very difficult time trying to get this matter resolved. Please any kind of help would be great.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Uber Technologies Inc.
State: TX

Complaint narrative:
I have contacted XXXX Claims Department about unauthorized transactions on my account. They have responded that since the charges are above 60days from the day I reported they would not be able to assist me, I requested reasonable accommodation through the American With Disabilities Act and asked for assistance. The bank informed me since they were beyond the 60days they would not be able to investigate and refused to credit my account. I was under the impression I am FDIC insured. I have sent several emails to uber asking them to reimburse me and they have also failed to send me a response any help that CFPB could assist me with is much appreciated. 
I have charges on my checking account from uber, please advise they were not initiated by me. Would you be able to assist. 
Dates are UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$23.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$10.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( XXXX XXXX ) Card {$14.00} UBER XXXX XXXX XXXX CA XX/XX/XXXX ( ... XXXX ) Card {$5.00} I have called the banking institution I bank with. They were unable to reverse the charges because they stated it had been more than 60 days that I called to express fraud. I need the charges reversed. 
These are the dates of the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.

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 2018-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am writing to inform you I have been a victim of identity theft, and many accounts were established without my consent. This letter is to inform your company I am disputing this debts and have filed an identity theft report. Please be informed that reporting inaccurate information to the credit bureaus is a defamation of character. I am requesting that this letter be forwarded to your legal department since non-compliance with it may be in violation with the Federal Trade Commission and other federal agencies.

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 2018-07-12 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: FL

Complaint narrative:
I have contacted all three credit bureaus and the Social Security Office in regards to an account being report as a collection when in fact its not. I have two letters from the Social Security Office where they state that the account is not in collection and that its up to date. The first letter I got was in XX/XX/2018 and the second letter was in XX/XX/2018. Even after contacting all three credit bureaus and informing them of the error, I still have this negative information on my record. I have a credit sensitive employment and due to this error my employment could be jeopardized.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Navient Solutions, LLC.
State: GA

Complaint narrative:
I submitted a letter stating that the information on my credit report was reported incorrectly. 45 days has passed and there has not been a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: MI

Complaint narrative:
after multiple attempts to tell them I won't pay over the phone and that I need an itemized bill in the mail, they are still calling and I haven't received anything and its been months. Last call was today, XX/XX/18 at XXXX. From TSI. XXXX. Also calling parents and others I have no contact or association with to get a hold of me. Pushy and harassing

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: PA

Complaint narrative:
We purchased our home in XX/XX/XXXX and our mortgage was {$130000.00} with XXXX XXXX. in XX/XX/XXXX I lost a good job and we missed a couple payments and did a modification with XXXX to keep our home. in XX/XX/XXXX we received notice that our mortgage was sold to NationStar which is now operating as MR.COOPER. From the beginning it has been difficult being a customer of theirs. We have had to modify our mortgage with them last year due to my lack of ability to keep consistent employement. Long story short we were forced to sign a modification with them last year or lose our home as they put it. Our " modification '' is for {$140000.00} I have paid 10 years on a mortgage and owe more now than the day i purchased the home, i missed maybe 12 payments in 12 years, payments have always been around {$1300.00} monthly between both companies and our taxes are escrowed in our mortgage. Regardless, I have paid almost {$170000.00} of the {$180000.00} that I should have paid, but due to being out of work twice in the last 7 years and needing a modification I owe more now than in XX/XX/XXXX when we signed the XXXX XXXX  mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-12 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX has updated that this XXXX account is paid a settled. Whereas XXXX  and Experian has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need XXXX and Experian to update comments as paid charge off settled account as XXXX  did

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 2018-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX  has updated that this XXXX account is paid a settled. Whereas transunion and XXXX  has not updated the account as a paid and settled charge off with XXXX balance. Its an XXXX account store card account number is XXXX. Need transunion and XXXX  to update comments as paid charge off settled account as XXXX  did

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 2018-07-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FC HoldCo LLC
State: AZ

Complaint narrative:
I had a few late pays in XX/XX/XXXX and incurred late fees, but brought my loan current in XX/XX/XXXX. I have paid on time every month since XX/XX/XXXX, but XXXX XXXX posted my monthly payment incorrectly back in XX/XX/XXXX and still haven't corrected the problem even though I have spoken with them at least six or seven times and was assured that the money would be reallocated and posted correctly in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX. They harass me at least five times a day - saying it is important that I return the call. Every time I call or answer their call, they assure me that the problem will be corrected. It hasn't been and I'm tired of wasting my time talking to them. When I answer their call, they state " do you realize you are XX days late on your payment? '' I ask them to look at the notes from the previous caller and then they apologize and state they will put another request in to reallocate my funds to my payment. I ask them to make sure to remove any late charges that they have been charging me, and the caller states " once the funds are reallocated, they can remove the late charges. '' Neither has been corrected. I want this to be resolved and the calls to stop, PLEASE!

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 2018-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I signed up for a promotional offer on their website on XX/XX/XXXX.

It promised a {$150.00} bonus for receiving a {$500.00} direct deposit within 60 days.

My deposit arrived on XX/XX/XXXX ; per the terms of the promotion, the bonus was due XX/XX/XXXX.

When I contacted the bank, they said they needed more info, such as a promo code and how I received the offer. But as I had said, it was an offer on their web site, with no promo code. I will attach screen shots of the offer and promotional terms.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-12 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion as well as XXXX  needs to update report as XXXX balance and as a paid and serried charge off as XXXX  has done in their reports which I will send photo of credit reports showing XXXX  reported correctly and transunion and XXXX has not. XXXX XXXX XXXX needs to notified transunion  and XXXX  as a XXXX balance and a paid and settled charge off

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