vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Rocky Mountain Recovery Group
State: OK

Complaint narrative:
First, this company was repeatedly calling a friend whose number was not an authorized way for them to contact me. They called her multiple times daily over the past two weeks even after she told them not to contact her. She gave me their info and I callled them myself. The woman I spoke to refused to send me a statement of my debt on paper or any other form of validation of my debt. I tried to explain my medical situation to explain why I havent yet been able to pay and can not make a payment today. She refused to accept that I can not afford a payment at this time. She stated I was refusing to pay even though I can not pay. I said I would be happy to attempt to work something out in the near future and again asked for a statement to be mailed to me ; she again refused. She mocked my illness and insinuated I was lying about my situation. So again, two major issues : repeated calls to a third party, and they refused to send me validation of my debt so that I can plan for future payments ( or dispute the debt if it turns out not to be mine ).

Company response to consumer: Untimely response
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
I am the XXXX XXXXt for a home that is being financed by Quicken Loans and appraised by XXXX XXXX XXXX out of XXXX TX. The lender had an appraisal done on the property and the appraiser bypassed several comparable properties that were recently sold and very similar in every aspect and used comparable properties that were almost a year old as well as devaluing the property based on incorrect assumptions about upgrades and modifications done to the subject property. This caused the property to come in {$6000.00} under the contract price. This same property had 6 or 7 offers that were above the contract price. I reached out to Quicken loans to help contest the appraisers findings and they submitted some of my the information that I submitted the first attempt. When the appraiser responded and I attempted to send additional information Quicken loans refused to send the additional information. 
This is causing an unnecessary financial loss to me and my client.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: ND

Complaint narrative:
On XX/XX/XXXX, I received a fraud police report for 6 fraudulent accounts. The same day I sent a copy of this police report to Equifax, XXXX  and XXXX listing all of the accounts that where affected by the fraud. Equifax received my letter onXX/XX/XXXX. On XX/XX/XXXX Equifax sent me a letter stated " We have researched the credit account : This item has been deleted from the credit file for ALL 6 fraud accounts. I  applied for a XXXX and XXXX credit card on XX/XX/XXXX and my application was denied because Equifax is still reporting a fraudulent Delinquent XXXX account ( {$10000.00} ) which was clearly listed on the letter dated XX/XX/XXXX listed under " this item has been deleted from the credit file ''.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc.
State: PA

Complaint narrative:
I purchased a digital currency on Coinbase on XX/XX/2017. They sent me an email saying my bank denied the transaction. I looked in my bank account and they had taken the money from my account. I gave them the XXXX transaction number. I talked to my bank, they said I need to contact coinbase to solve. I opened a ticket the next day. I have sent 20 emails and they keep saying they are working on it. Its been 3 months. Below is the info I sent them. They are not responding. 


I made a purchase of XXXX ETH for {$600.00} on XX/XX/XXXX with my XXXX XXXX debit card on file. You ( coinbase ) took the {$600.00} from my account. You then sent me an email saying my bank declined the purchase! It did not! Below is the XXXX transaction number from my XXXX XXXX debit bank account. I contacted them, XXXX, and they said you took the money and I need to solve it with you. Thats when I opened a ticket. Here is the XXXX ID number. 

XX/XX/2017 WITHDRAWAL CHECK CARD COINBASE CHEAPSIDE GB DATE XX/XX/17 XXXX XXXX Here is my ticket number they gave me Case # XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: MA

Complaint narrative:
I applied for a loan modification thru my attorneys office. We provided the bank with all required paperwork. The denied the request because they had set a sale date and the package we submitted was XXXX % complete and we were missing just one document. I have acted in good faith with Caliber Home Loan ; and then continue to delay and refuse to postpone the sale date so that my modification application can be reviewed properly with my attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
To whom this concerns, I have been unable to reach your company in regards to the effects of identity theft. As I am a victim of identity theft. I learned when attempting to open an account with you that my identity had been used to open what appears to be a checking and savings account. 

I have reported this identity theft to the FTC. I have not ever opened a checking or savings account with capital one. I would like to in the future as I have had auto loans and other products there in the past. It appears this checking and savings account were opened online per your fraud department. Once again I did not open any XXXX accounts ever at your bank. I am a victim of identity theft and I would like to know who opened these after my wallet was stolen.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian claims that it has verified the accuracy of the bankruptcy that is reported on my credit report. Experian also claims : " The public record vendor ( s ) responded and  verified that the disputed information was accurate as reported. The results summary for the disputed items was forwarded to you on XX/XX/2017. '' Experian has failed to provide the NAME and CONTACT info of the vendor in the correspondence in its XX/XX/17 correspondence. 

Experian HAS FAILED TO SATISFY the req 's of FCRA. 

Please prosecute Experian to the full extent of the law for its BLATANT attempt to NOT follow the law. 

It is an UTTER DISGRACE at Experian 's UNLAWFUL behavior and that it fails to rectify the matter. 

Thank you, 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 2018-03-09 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: Fidelity National Information Services, Inc. (FNIS)
State: TX

Complaint narrative:
Chexsystems is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and Chexsystems numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: HYUNDAI CAPITAL AMERICA
State: TX

Complaint narrative:
I was affected by Hurricane Harvey and XXXX XXXX allowed to have two months of  lease payment put at the end of the lease. They have reported to credit reporting as 60 days late on both of the XXXX XXXX that are in my name. I have never been late and I have been trying to resolve this since XX/XX/2017. I am buying a house and due to their error it is affecting my credit score and making me pay a higher interest rate

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I opened a Citi checking account on approximately XX/XX/XXXX. The checking account came with a promotion that I would earn a {$300.00} cash bonus if I met the following requirements ( terms attached ) : 1 ) Within thirty days of account opening : Make a qualifying deposit of {$15000.00} or more in new-to-Citibank funds into the new checking account, and maintain a minimum balance of {$15000.00} for sixty consecutive calendar days following the date the qualifying deposit was made.

2 ) Within sixty days after accounting opening : 1 qualifying Direct Deposit must post to the new checking account each month for two consecutive months after opening the new checking account. 

During the process of making my initial deposit of {$15000.00}, I contacted Citibank customer service to be provided the proper routing number for a bank-to-bank transfer because I couldn't find it online. I was provided one and used it for a funds transfer but the funds were never delivered. After realizing the transaction had failed I immediately called Citibank customer service again. Upon further inquiry it was determined that I was provided the wrong routing number. This call took place around the 30 day initial deposit requirement and so I was concerned my funds would not be deposited within the 30 day window. During this call I was provided the correct routing number and assured by the customer service representative that I'd remain eligible for the promotion, even if my initial deposit did not meet the 30 day window, due to the fact that I was provided the incorrect routing number causing my deposit to be delayed by many days. 

With the correct information I completed my initial deposit on XX/XX/XXXX and maintained that deposit until XX/XX/XXXX, which was greater than XXXX calendar days. I also had XXXX qualifying direct deposit post in XXXX ( XX/XX/XXXX ) and XXXX ( XX/XX/XXXX ). The attached statements document these transactions, which met the remaining requirements of the promotion. 

Around midXXXX I contacted Citibank to confirm that I had met the terms of the promotion and ask when I was to receive my promotion. During a series of calls and after an investigation it was determined that " my account does not qualify for this promotion because the required amount of deposit was not made within the stated timeframe ''. This conclusion was reached despite the fact that I was told by a Citibank customer service representative in XX/XX/XXXX that I would remain eligible for the promotion as a result of their mistake that resulted in my delayed initial deposit. This was also reached despite the fact that I continued to meet the remaining promotion requirements in good faith despite the error on Citibank 's part.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-09 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
Recently, we received our annual cash back check for our XXXX XXXX XXXX. At that point, we realized that we never received a check for the previous year. We called to complain, and basically we were told that they sent us a check for over {$300.00} ( unfortunately, I don't recall the exact amount ), but since we never cashed it ( because we never received it ), they basically took the money back, and they refuse to do anything about it. We asked to speak to a supervisor ( and spoke with operator # XXXX ), and she told us the exact same thing. We feel that they owe us this money, and shouldn't be allowed to take it back simply because we never received the check.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I sent my first dispute to transunion in Mid XXXX along with proper documentation supporting the correct balance of my XXXX XXXX account has been paid and has a zero balance. Transunion sent me my investigation results showing my balance is zero with file number XXXX on XX/XX/XXXX then on XX/XX/XXXX they put the balance back at XXXX for this XXXX account. I keep going back and forth with them and nothing is being resolved. I do not have this issue with XXXX or XXXX, transunion is the only credit bureau failing to report the correct 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 non-monetary relief
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Merchants' Credit Guide Company
State: IL

Complaint narrative:
I spoke with the hospital billing department concerning this 4 year old bill. 
They informed me that the bill was paid. They had problems with the insurance company as hospitals do in collecting payments from the insurance company. So merchants credit is willfully and wrongly reporting incorrect and damaging information to my credit report. Please take the necessary steps and fine merchants credit and compensate me for damages done to my credit report.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: Early Warning Services, LLC
State: TX

Complaint narrative:
XXXX is reporting Account abuse on my report with them per XXXX XXXX XXXX XXXX XXXX. I have contacted both the bank and XXXX   numerous times. They refuse to remove the information even though I have never had an account with XXXX nor have I ever abused an account. This is causing major issues opening a checking account anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: ENCORE CAPITAL GROUP INC.
State: NJ

Complaint narrative:
Good Afternoon, Today I received a call from XXXX at XXXX XXXX XXXX at my work. I work for a financial institution and our calls are recorded. Despite telling XXXX that its my work and I could potentially lose my job for that call he continued to pressure me into the call and not willing to hang up. According to my company policy I can not hang up on a call as it could be a customer service issue. He without verifying my identity disclosed my financial information which could have been anyone at my work and they would have known my financial status. Just not only put my information at risk he put my job at risk. If my call quality team ever listens to this call and escalates it to my manager I could lose my job as its strictly prohibited for us to take personal calls and specially not from another financial institution. I have asked XXXX to not call me ever at my work but he refused to commit to that and said he will call back. Please advise and assist as next call from him could end my employment. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I am a victim of identity theft. Since 2015 two cards were opened at Chase. A XXXX XXXX, and a XXXX XXXX XXXX. To add to this, a Total Checking account and Savings accounts were also opened Fraudulently. I have learned recently that these accounts were closed. A few months ago I attempted to open a checking account at Chase Bank. Only to learn that my Online Access had been flagged for Fraud, which I changed my password. I was then told I cant open an account as past accounts were closed. I was shocked to learn these accounts were opened in my name as I never opened any of these. My email addresses were also hacked. Which I have also corrected now. When contacting chase about this matter they refuse to assist me. As a victim of identity theft this is a crisis. I want it resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Debt collection — Credit card 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: STERLING JEWELERS, INC.
State: MN

Complaint narrative:
Today XXXX XX/XX/2018, I was contacted by XXXX from XXXX, XXXX XXXX   XXXX. with a case # of XXXX, their phone number is XXXX XXXX. This XXXX told me that my debt from XXXX XXXX  was turned over to them for collections. The amount was {$2900.00} but they are willing to settle for {$1200.00} now. He asked me for a credit card and I don't have one so I asked my parents to use theirs. My step-dad talked with XXXX and he recommended a certified letter for the settlement and we would settle it. XXXX became beligerant and threatened to garnish my pay, apply a lien to my truck, have the sheriff pick me up. I hung up an him and my stepdad called him back for more information, since then he has called my phone 3 times and 10 times on my stepdads, each time belittling me and threatening me. I contacted XXXX XXXX customer service and they where unable to help since the debt was sold. I tried contacting who they sold it too ( contracting account ) XXXX XXXX, no one has returned my call. This debt is from 9n years ago and is on my credit report.

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 2018-03-09 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MA

Complaint narrative:
I purchased total loss protection for a used XXXX XXXX XX/XX/2012 through XXXX XXXX of XXXX. I was told when the car was totaled in an accident that I was over charged the value of the car and the GAP insurance would not cover XXXX dollars. I payed XXXX of this XXXX not knowing that the Gap insurance should have cover all of the Total loss of the vehicle. Fifth Third Bank was the lender I garunteed my loan through. They are sending me letters saying I owe them money. I have not called the number on the form because I do not want to communicat with them verbally. This claim is against Fifth Third Bank XXXX XXXX and XXXX XXXX of XXXX Massachusetts. Fifth Third Bank has admitted to 15 million settlement since they have allowed automobile dealers to charge higher interest rates to XXXX XXXX and XXXX borrowers than XXXX borrowers with similar loan qualification. Because the bank is admitting to wrong doing, why are they still requesting money from me?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase closed my checking and saving account and now I do not have access to my online account. ( I still have two credit card accounts and they are still open. ) Chase also does not return my fund, which is XXXX dollar.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
for the past year, my Equifax has been stuck on the same score nothing about it has updated or changed. I was hoping you all can contact them and handle the matter.

Company response to consumer: Closed with explanation