vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I recently had a beauty product company to take money from my banking account. Regions has not been instrumental in being able to assist me retrieving my funds. I have been a consumer with Regions for over 30 years. 
I feel like the lack of service has been un- acceptable.

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 2015-04-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Pinnacle Asset Management, LLC
State: WA

Complaint narrative:
Debt collector called at XXXX. I answered and indicated that this was unacceptable as it was XXXX. The caller said, " Yes, it is XXXX in Washington State. '' At this point I told him that was unacceptable and ended the call. They 've also indicated in the past this is regarding a " possible lawsuit '', but refused to identify the original creditor.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CIT BANK, NATIONAL ASSOCIATION
State: UT

Complaint narrative:
My mother had a reverse mortgage through Financial Freedom a division of CITI, after she passed away I worked with Financial Freedom to inform them of the passing and the trusts intent to sell the home to settle the lien owed. I was informed that I had 6 months to square away the property and that I could apply for two 90 day extensions. After three months they ( Financial Freedom ) referred the home to foreclosure. I was told it was just a formality and that I indeed had 6 months with the two extensions. I hired a real estate agent to sell the property and notified FF that the home was up for sale. Because of the pending foreclosure I was place in an interesting position with trying to sell the home. I received only low offers on the home and countless ad 's from attorneys offering to " save the property. ' On XX/XX/XXXX I faxed over my request for my first extension under HUD 's guidelines. The extension was due XX/XX/XXXX. I called FF the following week to check on the status of the loan and was told I had been denied. When I asked why they stated that I had not gotten the request to them in time. The agent admitted in a recorded phone call that the request had sat on the fax machine for 4 days before anyone had found it. Also, they were unwilling to stop the foreclosure and auction of the home. And now with an auction pending, I received offers far less then the asking price, an average of {$100000.00} below market value. It took over three weeks to find out the status of the loan with FF due to their lack of response, I called 12 times between XX/XX/XXXX and XX/XX/XXXX every time I was told " there was no one available to talk to me. '' With the auction pending I took out a personal loan on behalf of the trust and paid off the lien in order to complete a sale of the property. Even after the loan was paid in full FF failed to send any payoff to notice to the trust and ignored 6 attempts by my title company to request a letter stating that the loan had been paid and they were issuing a reconveyance of the title in order to sell the home. It was only when I retained an attorney that FF provided a payoff statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: IMC Capital, LLC
State: NY

Complaint narrative:
I received an unsolicited business credit card for from XXXX, a company that I do not know, never did business with, nor requested information from. I never contacted this company nor solicited any credit card / loan, but they send me a credit card ( loan ) for {$500000.00} - Which is absurd. I would like to request for this company to stop calling me and stop mailing us this kind of unsolicited offers, because I do not want any of it. Today I called the company at number : XXXX to request to be removed from their list and make sure they stop sending this offers and the employee said that is not possible and said someone from my company requested this. This explanation is impossible because my company has no employees, only volunteers. PS : all of our volunteers have no access to any financial information either.

Company response to consumer: Untimely response
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Williams, Rush & Associates, LLC
State: AL

Complaint narrative:
On XX/XX/XXXX, I called William Rush and Associates concerning a debt that they are reporting on my credit file. I called and spoke with a XXXX around XXXX CST. I asked XXXX if I could make a payment arrangement on the debt that they claim I owe. She gave me XXXX options, XXXX to pay in full ; XXXX to pay a settlement amount ; XXXX to pay 25 % of the original debt and make monthly installments. I told XXXX that I was unable to pay any of the amounts that she had provided and that I was willing to pay {$100.00} towards the debt and make arrangements afterwards. XXXX informed me that if I did not pay the debt by XXXX the following day then she would " advise her client to move forward with theft charges. '' I told her that was unecessary but I still did not have anything close to the amounts that she was requesting for me to pay. She further stated that if she advised her client to move forward with theft charges that there would be an additional {$1500.00} added to the overall debt amount owed. I told her that I did not have that money but I am willing to pay {$100.00} towards the debt and she again told me that I had until XXXX on the following day to pay or she would advise her client to move forward with theft charges. She further advised me that I have credit cards that have {$1000.00} balances, I have a car loan, and I have student loans that were showing paid on time and that I needed to call them and ask for a credit increase and tell my car loan servicer that I needed to skip a payment in order to pay William Rush & Associates. I told her that I only have {$13.00} available credit on the credit card and that I do not have anything other than what I told her I had. She then told me to call my family members, clergy, etc. in order to gather the money to pay. She further stated that I have been attempting to purchase something since XX/XX/XXXX and I needed to pay this debt prior to purchasing something else. I ended the call. Shortly thereafter, at XXXX I called back in hopes I would get a different representative and was connected to XXXX again. I asked her about the payment arrangements options that she had originally given me on the first call and she repeated them. I asked her if there was anyway to pay next week and she stated that I had until XXXX tomorrow in order to pay or she would advise the client to move forward with criminal theft charges. I told her that I did not have that amount to pay and that she did not have to wait until XXXX tomorrow that she could advise the client to move forward with theft charges right away. She said that she would and ended the call.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
Ditech mortgage will not stop charging for optional insurance long after it has been cancelled. I have a cancellation letter dated XX/XX/2017 and the optional insurance continue to be billed. Even though the insurance was just {$33.00}, the non-payment generates late fees and causes the mortgage payment to appear on the mortgage statement as " suspended. '' In reality the optional insurance is paid to the XXXX. The cancellation letter goes to me but it is unclear how Ditech is informed. This much is true, when I called Ditech on XX/XX/2017 and talked to XXXX and then to XXXX to complain about the continuing charges, late fees, and late payments due to their " suspensions '' I was told that XXXX is responsible for the charges not Ditech.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SECURITY FINANCE CORP
State: IL

Complaint narrative:
I had XXXX and was out of work for awhile and not able to make my payments I defaulted on my loan and it went into collections about a year later I started getting settlement offers in the mail I responded to the offer of 1/2 price of the {$510.00} On XX/XX/2017 I spoke with XXXX the manager of security finance and told i would paid the settlement of and I would send him an accord and satisfaction letter saying he agrees to the settlement of {$250.00} as payment in full and he agrees to removed the account off my credit file. XXXX signed to letter and sent it back to me and I made the payment per the terms of the accord and satisfaction letter.payment of {$250.00} was debited from my account on XX/XX/2017 and in XX/XX/XXXX I applied for a loan to get a car and was informed that I have a 30day late payment from security finance and that I owe {$430.00} still. I was turned down for the loan for because they are reporting that I am 30 days late and that I still have a balance of {$430.00} with that on my credit report it dropped my score from XXXX to 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 2016-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Bronstein & Weiss Arbitration
State: NM

Complaint narrative:
XXXX from Bronstein and Weiss called work and home threatening lawsuit for unspecified debt if I do not contact them within 72 hours. Indicated that it could be " embarrassing '' for me since work for state of New Mexico. Used " spoofed '' local New Mexico number XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN

Complaint narrative:
Kohl 's calls me AT LEAST 6 times a day from different numbers. I know it is them each time because the numbers are very similar and sometimes, not always, will leave a voice mail. I usually ignore the call because I 'm at work or getting my kids to bed when they call. Once I did answer it and the rep immediately asked for my banking information or credit card information. He made zero attempt to work out a payment plan i could afford until I asked. He then threw a number at me and kept pushing for my information after I told him repeatedly I ca n't make a firm decision without discussing the budget with my husband.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was ( rightly ) charged a late fee for a payment. The following month I made my normal monthly payment on time, howrver Capitol One charged me an additional late fee because I did n't pay the first late fee. So they 're charging me a late fee- on a late fee. 
When I called, I was told by the representative that the late fee is rolled into the loan balance- which in my understanding is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I tried to open a one year CD for {$2500.00} with the Capital One Bank on XX/XX/2017. 
I was told that before a CD account could be opened as a joint account both owners would have to be verified by Capital One Bank through a deposit in their checking account. My wife and I both have a joint checking account with the XXXX. I was told that both owners of this CD must be verified by Capital One Bank before, they would transfer the {$2500.00} from our joint checking account. My wife XXXX XXXX spent several hours on the telephone with several Capital One Bank employees providing them with the required information, that is date of birth, Social Security Number, XXXX Account and her Capital One Credit Card. She had established an old Sign In Name that was used more than 5 years ago when she had a Capital One account which she closed 5 years ago. The Capital One Bank employees that she talked to could not correct this problem and would not verify that she was the joint owner of the New CD that I wanted to establish with Capital One Bank. 
They then transfered the {$2500.00} from my XXXX checking account, but stated that they are still not going to open the CD account because they can not verify the identity of my wife, XXXX XXXX. Capital One Bank stated that they will not release my money back to XXXX Checking Account or open the requested one year CD for {$2500.00}. My money has been placed ON HOLD by Capital One Bank

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I have been a consumer with Capital one since XX/XX/2014. For about 4 months I have been working hard on rebuilding my credit. I have dispute with Capital one about late payments on my XXXX accounts. I have spoke with reps and corporate office. I have pull all XXXX credit files and they are all showing different late payments. To be told they are reporting correct information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XX/XX/2016 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
Diversified Consultants is attempting to collect a debt sold by XXXX that I do not owe. XXXX offers a no credit check program. The accounts they referred to me according to a comcast rep was started with the no credit check program. There was no social date of birth or anything attached to these accounts. Also I never even lived at the places referred on the accounts. They are reporting a debt they told me was from previous years as opened XX/XX/2016 on my credit. I filed a complaint on the first company they sold the det to Diversified Consultants Inc and I am filing a complaint to everyone. This is not my debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: CA

Complaint narrative:
I am on XXXX serving in the XXXX. In XX/XX/2016 I asked Barclaycard to apply SCRA benefits to my Luxury Gold Card account. They said yes, saying in a letter that " While you 're on XXXX, the following terms apply ... : The APR for all balances have been lowered to 0.0 %, All fees, including annual fees, will be waived. '' I have a large balance on the card now because of this, and Barclaycard just notified me that they would start charging me the {$990.00} annual fee. I believe that they are violating the promise that they made me to keep my fees and APR at 0 while I remain on 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 2015-11-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Paragon Subrogation Services, Inc
State: NY

Complaint narrative:
XXXX , Inc. has sent harassing letters to me indicating I owe monies for alleged damages that I have caused. I have requested specific information about the nature of the alleged damage and proof that I am responsible. I have not received a response and recently received a letter threatening that they will be pursuing legal action against me for a debt that I do not owe.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I had disputed with Transunion to remove a paid New York State tax lien from my credit report. I had cited a tort under New York General Business Law, Fair Credit Reporting Act Article 25 Section 380-j ( b ) ( 3 ) ( f ) ( 1 ) ( iv ) : ( f ) ( 1 ). I had written to transunion a certified letter along with proof of payment and gave them 30 days to remove it from my record. 

I received no response from Trans Union via mail and had no help when calling on the phone. I was promised call backs etc with no proof being provided to me of investigation etc.

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 2016-03-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Thrive National Corporation
State: OH

Complaint narrative:
I joined the XXXX XXXX XXXX. When I cancelled my contract with the company due to moving, I had to mail in proof that I moved out or the XXXX mile radius of their corporation. I did so, but almost a year later they contacted me to inform me they would only accept XXXX of my documents even after proof of relocation. I talked to a representative and they stated I would still have to pay the full amount after XXXX of my documents was valid, although their contract stated XXXX of the type of forms that I submitted.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have written three letters to each of the reporting credit bureaus requesting any and all documentation bearing my signature of a Bankruptcy reporting under my social security number. I also requested the name, address and telephone number of each person they contacted regarding this alleged claim. In each of their responses they have stated that the information has been verified yet no proof has been provided to me. Bankruptcy Courts, Federal Courts, and any clerks office associated with either of those do NOT report to any credit bureaus. Not only have they not complied with the Federal Trade Commission ( see 15 USC 41, et seq. ) they have also violated the Fair Credit Reporting Act action 623 ( a ) ( 3 ) in which they are now liable for my damages of up to {$1000.00} per occurrence. This is my last goodwill attempt at resolving this matter before I file a small claims suit in the amount of {$5000.00} for 1 ) Defamation, 2 ) Negligent Enablement of Identity Fraud, and 3 ) Violation of the Fair Credit Reporting Act against each credit reporting 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 non-monetary relief
Consumer complaint received 2017-04-07 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Account terms and changes
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
I tried to put a freeze on my credit.I do n't want ANY loan or credit issued in my name for any reason.I could not get it done.I called XXXX and XXXX, they were great, they got it done.Now we get to the problem Experian, These clowns need to get into the 21rst century.You can not reach anyone by phone or email.If these XXXX think I am goingn to send ALL my info by mail, in one envelope, They need to get in step with the industry stars.They need to read the definition of customer service.And Snail Mail is not service or SAFE.How can I rectify this roadblock.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 2017-04-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I sent Experian a dispute about unauthorized inquiries on my credit report and I asked them to provide verification that the inquiries were authorized and they responded they were verified but did not show me proof. I filed a complaint with the BBB and Experian responded with the same response. I am asking that you force Experian to provide their investigation documents verifying they indeed investigated this dispute. The inquiries in question are : XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX 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 2017-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
We are current on our loan paying bi-monthly and Wells Fargo charged a late fee.

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