vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BARCLAYS BANK DELAWARE
State: MS

Complaint narrative:
my mother in law ( shes XXXX, & XXXX recently diagnosed ) opened an account around XX/XX/XXXX.it had a {$9600.00} limit, she had excellent credit her entire life ( she is a retired accountant ) anyways, they mailed the card, she activated it, used it a couple times and the company contacted her for proof of her identity via documents fax/mail.this was in may.all together we have faxed the documents at least 4 times, they have been mailed just as many, and she has continioisly been told the account was frozen.havent been able to do anything with it, they still ak for her documentation.well they sent a statement and there are charges made on the account ,1 in XX/XX/XXXX and 1 in XX/XX/XXXX.maybe a {$90.00} total, but how is it even a charge if the account is frozen. 
she depends on her credit cards to survive and this happening in XX/XX/XXXX has caused a snowball of downward domino effect thing.cell phone is disconnected.her lights and water will be turned off today or tomorrow.we have had to get help from family and friends just to get her pull ups, and I ont mention she has no groceries in her house. 
her credit score is now XXXX.we cant even get her a consolidation loan because of the recent negative marks on her report. 
yeah all her accounts are behind, but look at her entire history, this woman has never once been late on anything.its very obvious in the last 9 months to a year just thru her finances, that something was wrong.please help me ... .PLEASE??? I live in the home with her, my husband ( her son ), and my XXXX teenage kids.i do n't know what else to do. 
as for contact with the card company they told me I would have to wait and talk to a manager and that would be when they could return my call.why cant they just unfreeze the account and fix what was done and that will be that?

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 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: NJ

Complaint narrative:
I disputed this account several times. The company only verified the account. They did not validate that this account belongs to me

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 2017-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Second Round Limited Partnership, Austin, TX Branch
State: VA

Complaint narrative:
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you for over a year, and have failed to do so. At this time I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action might constitute fraud under both Federal and State Laws. Which they both return notices the debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants ( XXXX XXXX XXXX ) the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i revied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, was for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 30 days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
On XXXX/XXXX/XXXX a deposit from my employer was intercepted by the bank on a closed account. The account had overdraft fees and the bank withdrew the funds and did n't forward a check for the remaining balance until I called. It took weeks to get the check because they sent it to the wrong address and they had to wait a certain amount of time for security reasons. I finally received a new check on XXXX/XXXX/XXXX. They cleared their books but failed to contact the check verification services to have the item removed. On XXXX/XXXX/XXXX, I attempted to open a checking account with XXXX XXXX and was denied because the item was showing unpaid on XXXX XXXX 's database.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I opened a Citibank Checking account online on XXXX/XXXX/XXXX and was approved on XXXX/XXXX/XXXX. I waited weeks to receive the debit card but never did. I called Citibank customer service and finally got the card around a month after account opening. Because I received the card late, I went to Citi 's website and secured messaged Citibank on XXXX/XXXX/XXXX to confirm my promotion of XXXX AA miles and when the required actions needed to be completed by. In the response I received, the customer representative said " no later than XXXX/XXXX/XXXX '' for the AAdvantage bonus miles to be credited. Because of this information, I completed the requirement on XXXX/XXXX/XXXX. When I secured message Citibank again to confirm the bonus was met, they replied now telling me I did not meet the requirement deadline as it was XXXX/XXXX/XXXX, contrary to what I was initially told. When I replied back telling them I was given incorrect information from the original customer rep and that caused me to missed the deadline because of Citibank 's error, they acknowledged the error and apologized I was given the incorrect day in the previous message but would not make an exception to give me the XXXX AA bonus miles. I replied to escalate the matter and have a supervisor make a claim for it since it was Citibank 's error that caused me to miss the deadline. But was told no.

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 2017-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: TN

Complaint narrative:
I sent letters requesting debt validation to Caine & Weiner in XXXX XXXX, XXXX/XXXX/XXXX, and XXXX/XXXX/XXXX. In XXXX Caine & Weiner provided me with a document with my name and address and an amount that they saying I owe them {$170.00}. I responded in XXXX asking for more details. Caine & Weiner has not responded to any of my other letters however on XXXX XXXX XXXX this company placed a collection on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: Merchants Automotive Group LLC
State: NH

Complaint narrative:
I had received a call from the credit company that I have my car loan from, which is through the car dealer directly. I had been 14 days late on my payment, which I had completely been aware of. I had missed the call due to being at work where it is nearly impossible to answer my personal phone. A voicemail had been left that the car had been XXXX due to the late payment and that the were sending a " repo '' man. Now mind you, I had not heard that voicemail until later in the day. With that said, I was in the middle of conducting an interview at work and receive an urgent call from office staff. They informed me that a " XXXX '' was here for me and I informed the staff that I was in the middle of an interview. I finished the interview and the front staff informed me that a " repo '' man, XXXX, was here and booted my car. How is this acceptable to send a repossession company to enter the place of employment to render a vehicle, and relinquish my personal information with employees in the office who are NOT aware of my financial situation. This not only reflects poorly on that dealership but more importantly defames my character in front of others. This is not only embarrassing but has caused me emotional and physical distress due to my private information being discussed with unauthorized persons. This is a clear violation of the Federal Trade Commission.

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 2017-08-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: FIRST NATIONAL BANK OF OMAHA
State: IL

Complaint narrative:
I was denied a savings account per email they had sent to me as of X/XX/2017 at my XXXX. 

They denied me a savings account they said due to not being able to verify my identity. The questions except for one pertained to me. The questions asked to verify me had nothing to do with me personally and were mortgage or debts or loan questions pertaining to my deceased relatives. 

I feel the questions were unfair as they had nothing to do with me and thus was denied a savings account with FNBO 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 2017-08-23 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I went onto the free website, I received easily, XXXX and XXXX all done on website. Equifax no. Last 2 years, you ca n't get your free credit report unless doing onerous requirements plus nothing can do by email or on line. They make you do by mail, then have to make numerous copies of things and then send to them by mail. If they make it to get it this hard, it must be impossible to correct anything with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Debt collection — I do not know
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: Worldwide Processing Group, LLC
State: AL

Complaint narrative:
XXXX Forward movement recovery SCAM Threatens you and family members with arrest if you dont pay. Sometimes they say IRS sometimes they say pay day loan but it is always the same number calling. I do not owe any of these and have asked them to stop calling. They keep calling not only me but family members. They also change the amount owed and who owes it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: NVR INC.
State: VA

Complaint narrative:
XX/XX/XXXX : Signed contract with builder XXXX XXXX to build new house in XXXX, VA. Paid {$5000.00} earnest money deposit at this time to begin process. XX/XX/XXXX : Spoke with NVR Mortgage, who is XXXX XXXX 's lender, to start pre-approval process for VA home loan based on military XXXX pay. XX/XX/XXXX : Met with XXXX XXXX of NVR Mortgage to sign documents to start the pre-approval loan process. XX/XX/XXXX : Received job offer from XXXX XXXX XXXX XXXX due to XXXX from XXXX XXXX on XX/XX/XXXX. This job results in over {$30000.00} pay cut. Previously not aware this high of a pay loss was going to occur during transition from XXXX XXXX military to the civilian sector as a XXXX XXXX, XXXX. XX/XX/XXXX : Accepted job offer with XXXX XXXX XXXX XXXX to start XX/XX/XXXX. Gave notice to XXXX XXXX, XXXX XXXX, stating I am receiving pay cut from {$97000.00} to {$60000.00} and do n't believe I can afford a home of this XXXX come time to close on house XX/XX/XXXX. I do not believe I will be approved for a home loan with this yearly income. I plan on joining the XXXX XXXX XXXX XXXX, however, do not have orders stating this will occur as of yet. XX/XX/XXXX : Spoke with XXXX XXXX XXXX, XXXX XXXX, regarding loan approval. Lender stated unlikely approval would occur with projected yearly income. XX/XX/XXXX : XXXX XXXX, sales representative with XXXX XXXX, stated I had to submit a letter of reason stating why I wanted to end the contract with XXXX XXXX and submit a letter of " termination '' from my employer in order to receive the earnest money deposit back and cancel the contract. I submitted this statement of reason to XXXX XXXX as well as my XXXX stating end of XXXX XXXX service with the United States XXXX on XX/XX/XXXX XX/XX/XXXX : Received a notice of Default of the Purchase Agreement from XXXX XXXX, XXXX XXXX, stating I 'defaulted ' on the contract and would not receive my earnest money deposit back of {$5000.00}. XX/XX/XXXX : Submitted statement to XXXX XXXX, XXXX XXXX, serving notice I do not agree nor accept the terms and conditions of this termination letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: VA

Complaint narrative:
I did not a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ), stating your claim is disputed and validation is requested XXXX XXXX XXXX failed to provide me with competent evidence that I have any legal obligation to pay you for over two years ( first reported XX/XX/XXXX ), and have failed to do so. XXXX and Transunion continue to report invalidated information on my credit report. which might constitute fraud under both Federal and State Laws. Which they both return notices the  debt is VERIFIED, not validated. I have asked to submit proof since XX/XX/XXXX of last year XX/XX/XXXX, and the debt collection agency has not. Proof I needed The agreement with your client that grants XXXX XXXX XXXX XXXX XXXX the authority to collect this alleged debt. Any signed agreement debtor has made with debt collector, or other verifiable proof debtor has a contractual obligation to pay debt collector. Copy of any agreement that bears the signature of debtor, wherein he/she agreed to pay creditor. Copies of all statements while this account was open. FDCPA entitles you as a consumer to validate a debt when a collection agency demands money from you. If a collection agency cant validate the debt, the credit bureau can not list it as a negative mark on your credit report. The notices i recvied dated XX/XX/XXXX, was a notice of my dispute of inaccuracy of the debt, but if fact it was not, but for validation of the debt. The company has never provided this information, has had over two years to provide this information, well over the 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
Consumer complaint received 2017-08-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

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 2017-08-23 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 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: NJ

Complaint narrative:
I have requested validation of three accounts and was told my request for validation could not be fulfilled in writing. While the accounts are still being reported negatively to all major credit bureaus regarding the alleged debts. I have disputed the accounts with the credit bureaus and havent received validation from either party.

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 2017-08-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a notice that from XXXX that a collections was added to my credit report. I contacted Diversified Consultants and requested information about this account. They informed me that XXXX instructed them to add this collection to my credit report. This account was previously disputed in on XX/XX/XXXX and was verified as paid by XXXX and was removed from my credit report. On XX/XX/XXXX I contacted XXXX to establish new services and inquire about this past due account. The customer service rep informed me that there was no balance due on any past due account and that she made sure to remove the account from my records with a balance of XXXX. This was reported to Diversified Consultants on XX/XX/XXXX but they stated that XXXX was the one who reported to the credit bureau and not them and they refused to remove the mark. I spoke with the XXXX collection department who verified that no balance was due. They stated that they would file a ticket to stop the collection company from contacting me. They also informed me that XXXX does not authorize anyone to post on there behalf. XXXX also created a complaint ticket against the collection agency to stop them from trying to collect on this account and to provide proof that the account has a XXXX balance. The ticket number with XXXX is XXXX. The balance has been report as XXXX since the account was closed and the equipment was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
Order XXXX XXXX, 2017 Product : Monthly software subscription service Amount : {$160.00} per month Status : Working software subscription service NEVER delivered. 

Actions : By me - filed fraud claim with Bank of America By BAC - none known

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 2017-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
I am behind on my mortage and currently in the process of a cash sale of the home. On XX/XX/XXXX I found that the mortage company loandepot had sent XXXX XXXX XXXX XXXX to my house. They removed my realators lock box removed a door knob and changed the locks to my house. I am only 3 payments behind and a foreclosure has not been started. They also filed a claim to my homeowners insurance without my permission. They trasspassed onto my property and forced entry into my residence without permission. I called XXXX XXXX XXXX on XX/XX/XXXX and was only able to leave a message. XXXX XXXX XXXX called back on XX/XX/XXXX and said the mortage company had the take pictures, change the locks and do some repairs. I told them they had no permission to enter my property and they just said call your mortage company and hung up on me. I called my mortage company on XX/XX/XXXX and advised them they did not have permission to lock me out of my house or instruct someone to force entry into my house or property. They said they would try to have someone contact me with the lock box code and also gave me a code to try. I advised my realator of the infomation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation