vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
CitiMortgage informed me on XXXX/XXXX/XXXX that my mortgage with them effective XXXX/XXXX/XXXX will be transferred to XXXX XXXX XXXX XXXX ( known as XXXX. ) I already had a payment setup with Citi to pay my mortgage which had a due date of XXXX/XXXX/XXXX. CitiMortgage cancelled my payment to them on XXXX/XXXX/XXXX, they claim its because on XXXX/XXXX/XXXX they will no longer own the account. This meant that today XXXX/XXXX/XXXX I have a payment due to the new issuer XXXX. Today I received an email from them welcoming me and pointing me to their website. When I went to their website ( either via the link provided or through searching for it on the internet ) the website seems to either be non-existent or severely broken. Below is 100 % of the text on their website at XXXX : 502 - Web server received an invalid response while acting as a gateway or proxy server. There is a problem with the page you are looking for, and it can not be displayed. When the Web server ( while acting as a gateway or proxy ) contacted the upstream content server, it received an invalid response from the content server. I 've never been late on my mortgage and in fact pay double payments. I can not get anyone on the phone or connected through their website to make a payment. Furthermore I believe its highly inappropriate that CitiMortgage cancelled my payment which was due today on XXXX/XXXX/XXXX which has put me in this frantic mess.

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 2017-11-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
The prior selections did n't customly fit my issue but I tried to select as best I could. I just wanted to know if there are any standards in place regarding who should obtain the title of a used vehicle purchased. Here 's what happened to us. I signed with my son for his first used vehicle financed and State Farm issued funds without ensuring a title. The car lot never paid the loan on the title with the funds from State Farm Bank so I had to obtain the title myself & it took me a whole year, getting the county & state involved. State Farm Bank told me on 2 different occasions that it was not their responsibility to get that title. So my son was paying on a vehicle that still belonged to the previous owner because State Farm Bank did n't feel it was their responsibility to receive a title when funds were released ; therefore funds were stolen by the car lot owners. I had to pay for a couple of temporary plates while issue was resolved because my son needed the vehicle to go to school. Then i also had to pay for county fees, again when the title was finally transferred to our name. Those fees had already been charged when the vehicle was purchased, there was enough down payment to cover taxes & fees. As far as the taxes, I was able to get an affidavit from the Comptroller 's office with the help of the gentleman from the State. It was a total nightmare with time and extra expenses wasted that should not have been if State Farm bank would have ensured that title before releasing funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
Tcf bank,,, i had XXXX in my checking account i purchased a item for XXXX i was debit XXXX the bank charged me 6 overdraft fees at XXXX each for a total of XXXX because previous charges started posting to my account from merchants but the money was allready deducted from my checking account from the the bank itself, why am i being charged fees for items that are posting but allreay being withheld from me this is a serious act of fraud by the bank and needs to be addressed immediatly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
In XX/XX/2016, I opened an XXXX XXXX XXXX XXXX XXXX Credit Card, and I have not received the bonus XXXX Starpoints. Nor has my mother received the bonus XXXX Starpoints for referring me. I was also under the impression at the time of sign up that I would receive an additional XXXX points for reaching a certain spending threshold, which I believe had been met. I have tried unsuccessfully several times, through phone calls and online chat sessions, to get XXXX to uphold their contractual agreement with me. 

I was told by a customer service rep through an online chat session that these points should be awarded to me in XX/XX/XXXX. After not receiving them, and numerous attempts made, I threatened to sue XXXX and was transferred to a manager who overnighted XXXX points to my XXXX account. 

I later discovered that these were not the XXXX bonus points as promised, but rather a forward of points that I would be in debt to. I was never told this. My account has not been generating consumer spending reward points since. 

I have been lied to my an XXXX rep, on phone record, that a manager would call back within 24 hours to resolve the issue. Never received a call. I have been lied to on chat session about the date I would receive my rewards. My most recent chat session ( screenshots attached ) asked what the next step would be to prevent this from going to court. The supervisor never responded and ended the session. 

Note : Some of the screenshots are not loading. Can I send them to an email address?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-01 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: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I submitted a dispute to Synchrony Bank/JC Penny on XX/XX/XXXX around that time. I received a response from Synchrony/JC Penny on XX/XX/XXXX. The letter stated that they were reporting information accurately. I received copies of my credit reports from XXXX, XXXX and XXXX. The letter stated that the JC Penny was opened on XX/XX/XXXX my XXXX show open XX/XX/XXXX. The XXXX report has Date of 1st delinquency XX/XX/XXXX but no payment history to validate is on the report. There is no date of last activity. XXXX last payment made XX/XX/XXXX payment history show XX/XX/XXXX. No date of 1st delinquency and no date of last activity. XXXX  has status as Closed, no date of first delinquency and no date  of last payment made

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 2017-11-01 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
The company XXXX XXXX XXXX performed a hard pull on my credit on the following dates : XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I applied, was approved, and was set to close on a loan from Capital One with and Adjustable Rate Mortgage for {$150000.00} XXXX ARM at 3.625 % interest. All necessary documents and supporting documents were submitted and approved, appraisal came in significantly higher than the purchase price. The loan was set to close on XXXX XXXX, XXXX. On Saturday, XXXX XXXX, XXXX I received a notice of denial for my mortgage. The Document lists no reason for denial other than do not offer terms requested Upon receipt of the denial I reach out to 3 different people involved with my mortgage application including the Mortgage Loan Officer. No response was received for a couple of days despite numerous calls and emails. Once I spoke to the Loan Officer I was told this has never happened to him 'except maybe once '. He also informed me there was no additional information he could provide me to explain the denial. I asked for a reimbursement for expense paid to which I received no response. XXXX XXXX I sent a certified letter to Capital One asking for a reason for my loan denial. 2 month later I still had not received a response. 

Upon recently Calling Capital One and speaking to a support specialist she was unable to offer any other reason behind the denial and asked for some time to research the issue. Following up on the situation she informed me the reason was due to unable to verify employment. This response contradicts the Statement of Denial which specifically has various boxes to mark in regards to denial reasons for verification purposes. The reason selected appears to have been written in a blank space which specifically state do not offer terms requested My previous loan 2 years prior through Capital One was approved with a loan amount of {$130000.00} XXXX ARM at a similar interest rate. My credit history and income had only improved since and easily supported the terms applied for. Employment history also had not changed. Upon receiving denial less than 2 weeks before closing I was forced to close on a loan at a higher interest rate at less favorable terms and was ultimately unable to shop for a new mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: NM

Complaint narrative:
I was with XXXX for about 16 months and the sold my loan to XXXX XXXX, XXXX. XXXX told Specialized that I was 2 months late. When I contacted XXXX they sent me a 2 year pymnt. history. It shows no late payments, and all was made. They informed me it was not there problem since they sold the loan. I then called Specialized where they are not getting it fixed. They told me to wait till mid XXXX but they have my house in foreclosure statues. I have prove that all payments were made.

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 2017-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Cohen & Associates
State: OH

Complaint narrative:
On or about the first and second week of XXXX XXXX I received phone calls from debt collectors who claimed that I owed a {$6000.00} debt to XXXX XXXX. I had a bank account with XXXX XXXX that I closed more than seven years ago and when it was closed I owed no money. I have not had any other account with XXXX XXXX. I received a " Notice of Bank Levy '' in the mail from the same debt collector : XXXX XXXX XXXX, XXXX XXXX. That notice contains my SSN and date of birth so I can not upload it for this complaint. I told the two callers that I receive SSD and have no other income. I do have a bank account with XXXX XXXX XXXX and am worried that someone may try to attach it, although the levy notice has no case number, court name, and was not signed by a jurist although " enforcement order '' is printed in red ink on the notice. I have received a phone call from another debt collector who claimed that a XXXX XXXX used my XXXX XXXX  account PIN to withdraw funds from a XXXX XXXX account and that is why I owe the bank {$6000.00}. I have no knowledge of any such incident.

Company response to consumer: Untimely response
Consumer complaint received 2017-11-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
In its response, dated XXXX/XXXX/XXXX, Experian admitted that it failed to adhere to an FCRA requirement. The complaint, specifically XXXX, addressed multiple expired inquires which were allowed to remain on the credit report specified beyond the FCRA allowable time frame. Experian response is listed below : Upon further research, and in accordance with the FCRA, we are in the process of removing the two XXXX XXXX inquiries from your credit report, due to the retention time associated with the inquiries. 

Experian 's acknowledgement that it facilitated and allowed the furnishing and 'reporting ' of 'old ' information until its removal was requested by the complainant is unacceptable. Additionally, XXXX allowance of old information is an FCRA violation. Such allowance is a willful violation of XXXX obligations under the FCRA, and as such, damages are requested.

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 2017-11-01 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: NV

Complaint narrative:
There is an account listed that is past the statute of limitations and should NOT be listed on my credit file and can not be validated. I have tried several times and even through the CFPB no response nor validation. Requesting this account below be removed ASAP XXXX XXXX # XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit file was pulled over 15 times by XXXX XXXX without my permission or knowledge. These inquiries had lowered my credit score by over 100 points and as a result, my credit card were canceled and closed. At that time, all my credit account were paid and on time and paid as agreed.

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 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage refinancing company XXXX XXXX XXXX has requested an original Stock & Lease certificate from my existing mortgage owner " XXXX XXXX '' ( this is the bank name ). The request was made on XXXX, and the bank has still not provided over 45 days later. Meanwhile, it 's costing me hundreds of dollars to extend the interest rates I was approved for on the refinance. When I reached out to customer support, they told me to resubmit my request and wait 3 weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: R & B Corporation of Virginia
State: VA

Complaint narrative:
I sent out a dispute to Credit Control Corporation on XXXX XXXX, XXXX asking to be provided with competent evidence bearing my signature which they RECIEVED on XXXX XXXX, XXXX. 
AROUND LATE XXXX I RECIEVED A RESPONSE DATED THE SAME DAY THEY RECIEVED MY DISPUTE! 
THE LETTER claimed their client RECIEVED payment and the balance is paid in full but as of today their tradeline is still showing on my credit file. In the letter, the edp/credit report number is inaccurate/Incomplete with the one they are reporting on my credit report. 
I sent a second dispute on XXXX XXXX which they RECIEVED on XXXX XXXX, XXXX asking for A SIGNED CONTRACT WITH DISCLOSURE between their client and I, between CCC and their client, and between CCC and I. An complete Audit trail of said DEBT was requested. 
I 've also requested their operational arrangements in place to facilitate providing information and documents required to resolve disputes which I 've received no response! 
NOT ONLY IS THEY NOT RESPONDIMG BUT THEY NEVER LISTED THE ACCOUNT IN DISPUTE, AND TO THIS DAY, THEY ARE STILL REPORTING INACCURATE AND INCOMPLETE INFORMATION SUCH AS DATE OPEN, NO CLOSED DATE, ACCOUNT NUMBER, BALANCE, HIGH BALANCE, AND TERMS WHEN NO CONTRACTUAL OBLIGATIONS WAS ESTABLISHED! 
CCC, Refuses to ACKNOWLEDGE MY DISPUTE and Cease and Desist there EXTORTIONATE, Character defaming and libels slanderous Activity. Not only is their activity defaming my character, damaging my ability to obtain credit for personal family or household purposes, but it is also obstructing my ability to do business in XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I have had a mortgage with BB & T Bank on an investment property for 10 years. I called yesterday to ask about refinancing under the HARP program. I was told that BB & T wo n't refinance under HARP if the mortgagor has more than 6 loans. I have refinanced most of my investment properties this year, none with BB & T, and I have never heard of this restriction. It appears that BB & T does not want to refinance loans, which strikes me as being in opposition to the intention of the HARP program.Can they do this?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Suburban Credit Corporation
State: VA

Complaint narrative:
On or about XXXX/XXXX/XXXX I received a communication from Suburban Credit Corporation attempting to collect a debt for XXXX XXXX. I wrote to Suburban Credit Corporation on XXXX/XXXX/XXXX disputing the validity of the debt, requesting verification from the original creditor including a statement of charges made and payments received, and demanding they cease collection activities. 

On XXXX/XXXX/XXXX I received another demand from Suburban Credit Corporation. They failed to verify the debt, they did not provide proof of the debt, and the communication was a collection attempt. 

The medical bill to XXXX XXXX has been paid in full, and I have proof of payment in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently ordered my credit report from Equifax and noticed that there were a few inquiries that I did n't recognize or authorize. Listed below are the inquiries that are unauthorized and unrecognizable. 

XXXX XXXX XXXX XXXX/XXXX/XXXX *XXXX XXXX/XXXX/XXXX *XXXX XXXX XXXX/XXXX/XXXX I called and spoke to a representative and she stated that there was nothing that she could do to help me. I put an fraud alert on my credit report for XXXX, XXXX, and XXXX for reasons like this. I would like to have these inquiries removed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: NY

Complaint narrative:
Please reference the letter I am attaching. I sent this investigation request to Equifax and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-01 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: NY

Complaint narrative:
Please reference the letter I am attaching. I sent this investigation request to XXXX  and XXXX XXXX on XXXX XXXX. Nearly 3 months have gone by, and neither have responded. They were supposed to respond within 30 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 explanation