vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX I closed my account with US Bank. And it was closed because on the ending statement they mailed, it's listed as closed on XX/XX/19. However, 10 days later, they re-opened it and refuse to close it now. I called customer service and they said because I had additional transactions with a positive balance of about {$600.00}, they had to do it. But they were keeping these funds and were not mailing me a check for the balance. I called up again and they said they would close it and mail me the funds. But they did not do this again. They have no right to open my account and keep the funds on a hold. It's industry custom to close the account and mail remaining balance to the customer. I'm being treated different and it's against their own policies.

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 2019-02-27 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: FIRST CITIZENS BANCSHARES, INC.
State: WI

Complaint narrative:
A woman called me from XXXX and told me that I owed {$1900.00} to XXXX XXXX for an overdrawn checking account. I immediately request verification of the debt. She refused multiple times to do that, kept talking over me, then said, " if you dispute this, we will sue you and in court is where we are required to provide you with verification of the debt ''. I continued to argue with her and she hung up on me. She also did not give me any of the disclosures required by law. She said a man would come over to serve me papers right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Corporation of America
State: TX

Complaint narrative:
On XX/XX/2019 at XXXX am I received a call from Account Services. The number was an unknown number. But I have special features on my that let me know if it is spam, scam, or fraud. In this instance when it says unknown it will not detect it. I was away from the phone and could not answer. I have had problems with these people before. They say its a personal business matter and will not tell me what it is until they are sure they have the right person. They know they have the right person when they ask to speak to me and I tell them this is he and they respond we have to verify this is the right person. I am not and will not give out any information like that to anyone. My credit report states that my email and social security number have been compromised. The number that they called from was flagged as scam or fraud and as a debt collector. According to Federal Law they have to identify themselves as a debt collector trying to collect a debt they do not. See attached file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
I asked TransUnion to provide proof that I applied for credit due to numerous credit inquiries on my credit report ( have had prior freezes and alerts due to fraud ) and they told me that they can not remove them and that they all have permissable purpose. When I asked which permissable purpose that was, I just receive a regurgitated letter telling me the companies could pull at will, basically and I could do nothing about it - not so according to 15 U.S.C. 1681b. TransUnion told me they were closing my dispute and I could no longer dispute 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
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PHH Mortgage Services Corporation
State: MD

Complaint narrative:
Complaint - PHH Mortgage Service I am communicating this complaint in regards to a Refinance cash out of an investment property which started the week of XX/XX/2019 from XXXX XXXX who then completely went over all of my required information and verified my reserves of {$17000.00}, before moving to XXXX XXXX on XX/XX/2019. Mr . XXXX further processed my application. During this process, and procedure all information was again verified and approved before submitting the verifications of reserves funds with the under writer department. Remember in the beginning, I was already verified for having {$1700.00} in reserves which was required, however the underwriter department requested {$30000.00}. Now this seem strange and all of sudden, I asked XXXX XXXX to have underwriter to go over their numbers again because I knew the amount was {$17000.00}, which they did. The next day, it was confirmed {$17000.00}. Well this brought red flags with me in believing they was not processing my application fairly. Then the underwriters department asked to verified my reserves which I used the information which Mr. XXXX used, my bank savings accounts, my XXXX XXXX   investment plan as well as my XXXX XXXX account. Underwriters came back and said they could not use the XXXX  account nor the XXXX XXXX account, stating they do not grant credit to any terms and conditions requested. The terms and condition they were talking about is the disclosure statement showing that I am the account Holder irregardless of others on the account and if I ever needed the funds I would be penalized for 10 % plus State and Federal Tax prematurely which would not have an affect on them just me. This is standard on any IRA, Roth, retirement savings etc. They opted for this, without stating the guidelines under XXXX XXXX or XXXX XXXX, to justify. So I researched the Guidelines, and it stated funds that can not be withdrawn under circumstances owners retirement, employment termination, or death can not be counted as part of the borrowers reserves. Their guidelines listed whats acceptable source of reserves and Unacceptable source of reserves. In orders words the XXXX investment plan can be used and they decided on their own not to. Unacceptable. Retraining is needed here. 

Further, I have been with this company for many years and they handled two of my loans if a company, cant satisfy their customers fairly then customers dont need their servicing because of unfair practices. I hereby request an investigation into PHH mortgage Loan process particularly their underwriters department in processing refinance loans and the reserves verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GREAT LAKES
State: FL

Complaint narrative:
Hello, My name is XXXX XXXX and I have been paying XXXX XXXX XXXX for over two years thinking they were an official company that worked with the federal loan servicing company. Since then, I have found out that XXXX was operating fraudulently and deferring my student loans. I orginally paid {$600.00} to start the loan payments that XXXX said the govt does not want me to understand how to lower my loan payments so that is why they provide the service. I am gathering my bank statements to provide further evidence but know that I have paid them every month for more than two years. I am saddened that this company was able to operate for so long and take money from my peers and I which we thought were going towards our loan. I am now in the process of contacting the federal servicing loan to see what options I have to fix this problem. I do not understand how one man can get away with defrauding innocent students. Please help me. My representative was XXXX XXXX and she told me that XXXX was operating legally and I was fine with my payments and that XXXX did not want me to understand how to lower my payments and that is why they submit the documents and require my XXXX login information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I have an open debt collection showing on my credit reports that is not mines. I did not authorize this account on my behalf or anyone else 's. I wish to dispute this matter immediately due to the inaccuracy of this information.

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 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX Is reporting a debt that I do not owe. I have no idea what this collection debt is. I have never received any phone calls, collection letter, nothing! They added this to my credit file and they are in violation of my 30 day right to dispute.

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 2019-02-27 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Jon Barry and Associates, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX, XXXX XXXX XXXX  submitted a derogatory mark against my credit claiming that they were collecting a debt from XXXX from a hospital. I contacted XXXX, and they were unable to give me any details about the debt including why they had not contacted me prior to submitting my information to the credit bureaus. I contacted the hospital who informed me that they would not have submitted any collection to XXXX XXXX XXXX  and that the debt had been paid. The hospital then emailed me a copy of the paid in full report. XXXX will not receive my calls ( they continually drop the call ) as I have tried to contact them to provide the proof of payment. I have emailed the proof to them and have received no response. I have mailed proof to them with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Hi in XXXX of 2018 l received a late payment that l was not aware of.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Waypoint Resource Group allegedly bought a debt that I " owed '' ( I do NOT believe I owed XXXX any money as I KNOW I paid everything upon terminating service and returned all devices! ) HOWEVER, Waypoint JUST bought the " debt '' WHILE my wife and I were/ ( still are ) under contract to buy a BRAND NEW HOUSE. This " debt '' literally just appeared out of nowhere and knocked my score back nearly XXXX points! Why? Oh, because it says " time since delinquency is too recent '' " length of time since collection is too short '' - UM HELLO? This was nearly seven years ago AND I HAD NO IDEA I OWED THIS MONEY. But what did I do? I IMMEDIATELY PAID IT. And did my score go up? NOPE, because they updated to show {$0.00} balance AFTER I PAID MONEY I DIDN'T OWE, even though they told me they would delete from my credit report!! NOW OUR MONTHLY HOUSE PAYMENTS ARE GOING TO BE AT LEAST A FEW XXXX DOLLARS MORE PER MONTH, BECAUSE OF THIS ONE SINGLE ***PAID OFF*** COLLECTION!! SCAMMERS, DISHONEST PEOPLE.It wasn't even that much money! So rotten. How do they sleep at night??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
We are a real estate company representing a couple who are experiencing a financial hardship and can not afford to keep their home. They have two mortgages on the house, the first mortgage is with XXXX XXXX to whom they owe {>= $1,000,000}, and the 2nd lien holder is with PNC Bank to whom they owe {$190000.00} for an equity line. We submitted an offer for {$800000.00} and were approved for a Short Sale with the 1st lien holder on XX/XX/XXXX. They are paying for all taxes, escrow fees, commissions and paying {$6000.00} for the 2nd lien to be released. PNC Bank is not accepting the {$6000.00} as they want a minimum of {$100000.00}. We have tried negotiating with them sinceXX/XX/XXXX as we do not want the home to go to foreclosure but it has all been in vain. We have lost several offers due to them not willing to come to any terms and automatically close the file as soon as we submit a new short sale request. We don't believe that PNC Bank is negotiating in good faith and is neglecting to cooperate. It is customary that, regardless of the debt, 2nd lien holders get up to {$6000.00} which is what they are being offered. We currently have an active offer for {$900000.00}, we do not want to loose the buyers after all the work that has been done to help our clients avoid foreclosure and this is why we are turning to you for help as you are our last resource.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Collection Bureau, Inc.
State: WI

Complaint narrative:
This number keeps calling me XXXX XXXX they won't stop they asking me personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Utah System of Higher Education
State: NC

Complaint narrative:
I have repeatedly submitted deferment request for military service from XX/XX/2018 -XX/XX/2018 and XXXX  continues to deny every request. 
I have uploaded copies of my XXXX  and have even gotten XXXX XXXX endorsement that I was on military XXXX  away from my normal location. 

___ I have also submitted multiple deferment requests for being unemployed since XX/XX/2018 - which have also been denied. 

The company posts Denial letters where the reason for denial section is BLANK. Email responses from the company state that I did not qualify, despite XXXX XXXX endorsement on the request form!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Cash Express, LLC
State: TN

Complaint narrative:
My husband and I had a payday check loan with XXXX XXXX in XXXX. I went to pay Monday like I do every month and there was a sign on the door. Said to go to Cash Express, so I went there. I tried to pay my XXXX fee like I have every month and was told I had to have the full XXXX. I told them XXXX XXXX never made me do that and they said the girl was fired for just taking the fee at XXXX XXXX I called that girl and she wasn't fired. They sold my accounts to Cash Express and she didn't even know they was selling the company. The owner of XXXX XXXX  always took just my XXXX and renewed the loan. I don't have XXXX for mine and XXXX for my husband 's account. I signed contract with XXXX XXXX not Cash Express. I'm not paying this loan anymore. My daughter looked up laws and said TN does not allow renewals or rollover loans and that I shouldn't be responsible for the debt since it's always been renewed and I never took in XXXX I just took XXXX in once a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: EQUIFAX, INC.
State: CO

Complaint narrative:
I've tried to resolve this with XXXX and the credit bureaus but they still keep reporting it as a foreclosure when it is a good standing account. It is incorrectly reporting as a M-8 meaning mortgage foreclosure or repo. This is incorrect and the coding should be a M1,  paid as agreed. Because of this, it is causing us financial distress and preventing us from purchasing a home. There was a loan modification but we have been on time since.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-27 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: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
On XX/XX/XXXX I received from XXXX XXXX  ( now XXXX XXXX ) an offer to upgrade my XXXX XXXX credit card to the new XXXX XXXX XXXX XXXX Card. The advertised offer was if I would upgrade to the new card I would receive XXXX points added to my XXXX XXXX account after my first purchase completed by XX/XX/XXXX. I then attempted to do the upgrade through the email on their " Upgrade Now '' button. It would not work, and I tried multiple times. I then called in to XXXX/Chase ( bank that issues the XXXX cards ) and did the upgrade over the phone. I verified with the man I spoke to that I would indeed get the XXXX points doing this over the phone. He assured me that I would. Once I received the new card in the mail I made two purchases. The first on XX/XX/XXXX for {$16.00} and the second on XX/XX/XXXX for {$46.00}. Thus meeting the requirements to earn the reward. On XX/XX/XXXX I was given a bonus of XXXX points. I never agreed to upgrade for XXXX points. The annual fee on this card is more than what it was on my old card and I was not interested in upgrading for only XXXX points. Therefore, I would have never accepted that offer. Once I saw this I called customer service and spoke to XXXX on XX/XX/XXXX. She told me they posted the XXXX points on XX/XX/XXXX and should post the additional XXXX points after the next billing cycle ( XX/XX/XXXX ). This never happened so I called customer service again on XX/XX/XXXX and spoke to XXXX. He stated I received incorrect information from XXXX, and said he would submit to his marketing department and see if they could add the additional XXXX points. He also told me the upgrade link didn't always work for their customers, so evidently this has happened to other people. He stated I would get a letter in the mail which I did on XX/XX/XXXX. This letter came from Chase Cardmember Service. The gist of the letter was that I was eligible to earn the XXXX bonus points, and the points would post in six to eight weeks. Again six to eight weeks have passed and they still have not posted. So on XX/XX/XXXX I called again and spoke to XXXX who supposedly escalated the issue to get the points added. As of this date I still have not received the points that should have posted in XX/XX/XXXX. I feel that this is false advertising. I have been a XXXX card holder for several years, and a Chase customer for even longer. I am very upset with the bait and switch that has taken place, and the lack of follow through on XXXX and Chase 's behalf. I'm hoping that this last appeal does something to bring this to their attention and get this corrected promptly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: MO

Complaint narrative:
Me and my wife deposited a check of $ XXXX it was are tax refund we had it filled through a tax place the bank tells is us at the branch with us XXXX MO that there was a 5 day hold on the check then when that monday roles around me and my wife know we had money in are account my wife went to us her card to find out that the accounts had a - amount of what the check is we call the bank to find out that there found department put a hold on the check for 7 days witch is 2days more then what they said so Tuesday come around and the money is back in are account and the check is stell on hold so I call today to speek with some one to see if the can release the hold on the check becuase know sometime the can if the funds have been tranfered so I call at XXXX and I got a men that said I would have to speek with there froad department we transfard me to a guy that I couldn't understand his English and I ask to speek with someone that could speek plain English and he hung up on me I didn't get his name because for one he didn't say it or I couldn't understand home so I call back at XXXX the same day and they do the same but this time there is a girl that I could Under stand named XXXX didn't tell me her last name and they sayed that if I want to get the founds releases that I would have to talk to the branch I find that a little od so I ask to speek with her manager and she tell me that she can't and well not do so and what do you know hangs up me again I call the branch and guess what they say the froud department has to do it so some one here is lieing and there custmare survice needs to be looked onto these is US BANK the branch I go through is XXXX MO there is only one bank there please do something about this

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 2019-02-27 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ameritech Financial
State: PA

Complaint narrative:
AmeriTech Financial charged me money and said that they were helping pay off my student Loans through XXXX, but none of the money actually went to my loans. AmeriTech Financial was keeping the money for themselves, and I can not afford that. 

" Last year, the Federal Trade Commission ( FTC ) sued Ameritech Financial, a company that promised to help customers save money on their student loan payments. The FTC claimed that Ameritech made false promises that people could permanently reduce their monthly payments charged illegal upfront fees told people their fees would go toward their student loan balances, which wasnt true The court appointed a receiver to manage Ameritechs affairs. The receiver concluded that Ameritech couldnt operate legally and closed the company for good. '' ( email sent to me by Federal Trade Commission )

Company response to consumer: Untimely response