vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-21 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:
this is a re-occurring problem. I made my original complaint # XXXX filed on XX/XX/XXXX. to review I was trying to get {$20.00} from my XXXX XXXX XXXX credit card from an ATM owned and operated by citizens bank which I have a banking account with and has had one with them for 50 yrs. anyway I went to the citizens bank atm machine onXX/XX/XXXX to get the {$20.00} and the atm said the action selected is not available at this time. please retry. so I tried again and I got an answer from the atm the available balance exceeds the available balance. so I went to the bank manager XXXX XXXX who told me he has no control over the atm. I was told by XXXX XXXX XXXX that citizens took the money even though they were made aware that I never to the money. XXXX XXXX XXXX says there is nothing they can do. citizens bank refuses to give me money they stole from me. somewhere the books at citizens bank should not have balance and that is why I say they stole the money from me. they have the money and wo n't give it back. it is STEALING. I got a call from citizens bank on XX/XX/XXXX about the original complaint to you and they still refuse to give me the money. they said I have to get the money from XXXX XXXX XX/XX/XXXX and XXXX XXXX XX/XX/XXXX told me I have to get it from citizens. well I think citizens bank should give me money they should never have stolen in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TN

Complaint narrative:
XX/XX/XXXX I filed a claim with my auto insurance company for damages to my car. I got the work done on the car and paid for it with the insurance money back in XX/XX/XXXX. XX/XX/XXXX they returned the check saying it wasnt properly endorsed. A whole year and a half later without warning. The check was for {$3500.00} which overdrew my account and absorbed my pay roll check. Leaving me with no money. Ive called usaa over ten times and talked to countless reps. They have hung up on me everytime. No one can answer my questions there just leaving me to wait or hope that I just stop calling. Usaa managers have promised to call me back and refuse To call me or take my calls. Ive been with usaa 8 Years and in the service for 8. I  thought usaa was for the soldiers/members. With the check being over a year old they should have contacted me so that I could have set my finances up not take a lump sum garnish me. Also they froze my brokerage account and wont allow me to transfer funds 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 2017-11-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
On XXXX a Kohls credit card was opened up in my name using my personal information. In the amount of XXXX and now is XXXX. I did not authorize this account to be opened

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: SCHOOLSFIRST FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Blocking enabling external applications to access my bank and help manage it

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Ever since Bank of America took over my mortgage from Countrywide, I have had problems getting my homeowners insurance on record. 

I buy my own homeowners, it is effective on XX/XX/XXXX. There has never been a lapse. With Countrywide, no issue. Company faxed the coverage, went on record, over and done. With Bank of America, each year, proof of coverage has to be faxed, and refaxed, sometimes 3 or 4 times. 

This year, I called the insurance company, prior to the effective date, and asked them to please fax the proof of coverage. They did, said it went through. In my ignorance, and not hearing from the company, thought, this year was different. No such luck. 

Received a letter saying they were increasing my monthly mortgage to cover the insurance they put on the house. I called said, no, there was homeowners, effective XX/XX/XXXX. Also said proof of insurance had been faxed to them prior to XX/XX/XXXX. Person on the phone asked to have it refaxed to a different number. This was done, called and was told they had the fax, all was well. Received a letter saying the additional monthly payment was taken off. Which I foolishly thought took care of the matter, so burned the letter. 

Today have an email saying to pay the additional or my credit would be effected. 

I do not know what to do, say, plead, threaten to get this over to them, homeowners is paid, proof is sent ( have asked so many times to have it refaxed it has become an issue with the agent and me ) every year. I do not owe for what they can not take care of. How do I handle this? 

A few years ago had a response from some vice-president apologizing for the problem. Does n't seem to have improved the situation. 

Where do I go from here? Is there something you can 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 2017-11-21 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: NM

Complaint narrative:
On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

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 2017-11-21 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: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: NM

Complaint narrative:
On XXXX XXXX, 2017 I cancelled this loan transaction under the Truth In Lending Act. XXXX XXXX XXXX XXXX and XXXX XXXX XXXX, XXXX ignored my written requests to close the account even though I sent them via certified mail signature receipt the written and signed " notice of right to cancel '' which they indeed signed for. They are continuing to harass me over this and report it on my credit report even though I have formally disputed it. The cancellation of this account was recorded in XXXX County,  New Mexico and I can provide supportive documents upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
am victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that i have made. It is the result of identity theft. Inquiries 1. XXXX XXXX XXXX XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. XXXX XXXX XXXX XXXX XX/XX/XXXX 5. XXXX XX/XX/XXXX Pursuant to section 605B of the Fair  Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

FAILURE TO DO SO WILL RESULT IN CIVIL ACTION. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 

THIS IS MY THIRD AND FINAL REQUEST FOR YOU TO REMOVE ILLEGAL INQUIRIES FROM MY CREDIT FILE. VIOLATIONS OF THE FCRA ARE PUNISHABLE UNDER FEDERAL LAW. 

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days. 
Pursuant to section 605B of the Fair Credit Reporting Act, you are required to block the fraudulent information on my credit report resulting from identity theft within four business days.

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 2017-11-21 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Hard inquiry : XXXX/XXXX/XXXX XXXX/jcp XXXX/XXXX/XXXX XXXX/jcp

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 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Persolve, LLC - Legal - Series 2
State: CA

Complaint narrative:
Since XXXX/XXXX/2017, Persolve has been hassling my work phone and mobile phone with daily calls saying that they are a debt collector and I have a debt to settle. The message wants me to call the number provide XXXX. I refuse to call the number provided as they will request for sensitive information that I will not give over the phone to an unknown company. 
I do not have any overdue debt that has been sent to the collectors. I have my credit frozen therefore would get notified of any suspicious activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX is trying to pull a fast one on me. They are well aware that we are under a " Federal Bankruptcy Order '', and they keep attempting to make us pay. We moved from the Home at XXXX XXXX XXXX, XXXX, GA XXXX, in XXXX 2017, and notified Beneficial. They initial agreed to do " A Deed In-Lieu of Foreclosure '', with us, and Ordered an Appraisal, which the value of the home was more than what was owed on the home, as it was at the time of the Appraisal in Excellent shape, I took pictures as well as the Appraiser that Beneficial sent out to do the Appraisal, and they are time dated. 
Beneficial lied about a " Lien '' being on the Home, which was Avoided/Dismissed in the Federal Bankruptcy Order, signed by Judge XXXX. I had the attorney ( XXXX XXXX ) that handled the Bankruptcy Proceedings sent a copy of the Bankruptcy Order to Beneficial, after Beneficial refused to accept my Copy. Then Beneficial sent the Mortgage to a Collections Agency, and now they ( Beneficial ) has given/transferred the Mortgage to XXXX XXXX XXXX XXXX XXXX, out of XXXX XXXX XXXX, Utah. I called XXXX XXXX and XXXX XXXX XXXX ( Fax : XXXX XXXX ), said that he was not aware of the Bankruptcy Stay Order. Beneficial is just plain wrong. It needs to be fixed. They doing this to me cause I am XXXX and a Donald Trump Supporter

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: MRS BPO, LLC
State: AZ

Complaint narrative:
On XXXX/XXXX/2017 at XXXX I received a phone call ( XXXX ) asking for XXXX XXXX stating to call back ( XXXX ). I called this number and asked the representative on the phone to stop calling as this is the third time they have done so after repeated request to stop

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I contact Equifax, XXXX, and XXXX  concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NM

Complaint narrative:
On XX/XX/XXXX I disputed the debt that Carrington Mortgage Services , LLC was alleging due to the fact that I had cancelled the loan transaction on signed " notice of right to cancel '' dated XX/XX/XXXX which was also filed in XXXX County, NM via the Truth In Lending Act. In this same letter to Carrington Mortgage Services , LLC I not only informed them of the cancelled loan I requested that they close the acct and not to contact me any further whether through calls, letters or sending people to my property. They instead responded on XX/XX/XXXX with a letter addressed to me with slander and lies which I do indeed deny and threats against me including fraud and prosecution. Meanwhile telling me to pay the debt as a solution. They are continuing to harass me by mail. I will include their letter dated XX/XX/XXXX as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I have 5 different CD accounts with Barclays Bank. They have all been funded and have recieved proof of funds being placed into all 5 accounts accounts in the mail from Barclays Bank stating the facts and account information as well as emails from them stating these same facts. Now that one of my CD accounts have reached maturity I would like to transfer the funds to another account as contract states I 'm allowed to and Barclays Bank is not allowing this saying that I am not able to do this because I have not verified deposits into my account. They say the send these test deposits into my accounts but I never actually recieve them resulting in me not ever being able actually to link an external account to Barclays and thus not being able to transfer my funds. They are not allowing me acces to the funds in any of my 5 accounts because of this. Yet they are still using my borrowed funds from all 5 accounts and not allowing me access to my owned accounts and funds. This is illigal.

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 2017-11-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: WA

Complaint narrative:
A purchase from XXXX using XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$500.00} failed. The money was taken off the card and should of been returned to the card when the purchase failed at the money center terminal. IT did not! 

The money missing has been acknowledged by XXXX/XXXX due back to me but the replacement giftcard which they sent me is supposed to be loaded with {$500.00} refund ( card ending XXXX XXXX ) .... can not be used. 

I HAVE CALLED AND EMAILED RELENTLESSLY they will not respond or give me the same response over and over that it will be fixed in 24 hours. 

It is XX/XX/XXXX, they took my money XX/XX/XXXX. So many hours spent on the phone telling the same story over and over, no one at XXXX cares. 

Dispute now ongoing with XXXX is # XXXX XXXX ( this Dispute started out as # XXXX )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: TX

Complaint narrative:
My home flooded during Hurricane Harvey. I was told by the insurance company that it would take two months for them to make a payment on the claim. Since I knew the money was coming for the repairs, I went ahead an authorized the repairs and paid for them out of pocket to the extent of {$57000.00}. When I received the check from the insurance company, SLS was listed on the check. When I contacted them I was told that I had to send the check to them and that they would endorse it and send it back. After spending {$75.00} to overnight the check to SLS, they then waited three days to open it and then deposited it into their account. I have been calling daily for almost a month now asking to speak to a manager but every time I call I am told a manager is not available but they will have one return my call. On Wednesday XX/XX/XXXX I spoke to a XXXX XXXX who told me that he would have XXXX XXXX return my call within 24 hours. After not hearing from XXXX after 48 hours, I have attempted to call numerous times and left numerous messages but she will not return my call.

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 2017-11-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Hello, in XX/XX/XXXX, my XX/XX/XXXX XXXX XXXX financed by XXXX XXXX XXXX was repossessed without earning or prior notice to tell me I had outstanding fees. I paid to have the loan reinstated which I was told included repo fees as well as paid the repo lot for my car. XXXX XXXX XXXX knew I was currently refinancing my car with another company. In XX/XX/XXXX, my refinance company got a hold of them and got the full amount owed and sent a check. XXXX lost this check for 2 weeks while I called incessantly with the tracking number and being told they didnt recieve it. Finally they found it and it was applied to my account. When it was applied, I recieved a paid in full notice. I called twice to make sure i would owe nothing else and was told nothing was owed and i was free from XXXX. This month, XX/XX/XXXX and 9 months after refinancing, XXXX is sending me a bill for XXXX claiming they sent many letters and threatening to come after payment any way possible. This is NOT a tax bill and i was told I paid all fees due after asking MANY times. I called and they insist i pay them and say they didnt see i owed it til XX/XX/XXXX. Yet in XX/XX/XXXX ( 2 months later ) they reported my account as closed to the creditors. Please see attachments. This amount was paid in full and after all these people put me through i refuse to pay or take thier threats.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XXXX XXXX, 2017 I contact XXXX, XXXX, and TransUnion concerning collection items that were reporting on my credit file that were not mine. That resulted in a few of those items being removed from my report but not others. There are only 2 items that should be reporting on my credit as a collection item and that was the 2 XXXX XXXX credit cards that I used to have. I have been in contact with the 2 collection companies and making payments to pay off those collection items. Everything else is not accurate and I requested copies of their verification process and information gained in their investigations to be mailed to me so that I may follow up to have these things removed. I submitted disputes with all 3 credit bureaus on XXXX XXXX, XXXX XXXX, and XXXX XXXX and since XXXX XXXX I have not heard any further correspondence regarding this matter. I have a right to know why these credit bureaus are reporting information on my credit file that does not belong to me and why they refuse to remove it.

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