vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-05-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CREDIGY USA CORP.
State: MI

Complaint narrative:
about  11 yr s ago I had got some kind of paper and it was about this 3 party suing me for a credit card .than about 1 yr ago i n  XX/XX/XXXX    th e sum of  XXXX  they tried to take my only car and than took me to court and I made payment arrangement ..  times  got hard on my income so I have stopped paying them .. with in that yr I have been assured what to do next they have stop me from getting tags for my car. and I had to get some help to get my tags back. mean while I got pulled over with expired plates ..than I have n't heard from them until   XX/XX/XXXX      they had   XXXX   XXXX   court officer come and repo my only car. deman ding the full amount of money before they take it  XXXX . I felt very scared with  XXXX   XXXX  in my presents when I was cleaning out my  car.. Credigy Receivables inc. is t he  3 p arty debt collector with no proof that this credit card was mine .. and the statute of limitations and the way they went about ..so many unanswered questions. I feel that I do n't have the funds to pay a lawyer to get my car back and get this resolved thank u for your time

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have always paid my care credit on time and more then the minimum total they said I did n't acknowledge some advertising or promotion I never saw I explained it to them and they refused to take the {$600.00} they added to my credit card. I never have seen in writing nor documents on my phone stating 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 monetary relief
Consumer complaint received 2017-05-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
Santander is so AWFUL! I have contacted them many times to send me a pay-out of all my payments that I have paid since I had this car. I got the car in  XXXX  and still owe  XXXX  dollars, my total in the beginning was  XXXX . This is for a  XXXX   XXXX  ( I needed a car and had to do it ) But It seems like every time I pay my balance stay the same. My Maturity is  XXXX  now but when I got the car it was  XXXX . Every time I ask them break it down to me they claim someone will call be back, or they place me on hold and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: GA

Complaint narrative:
I am filing a compliant against Credit Bureau Transunion, on XX/XX/XXXX I  disputed a Fraudulent account on XXXX/ XXXX my credit report ... thru Transunion & XXXX , Transunion sent results back as verified and belonging to me, however XXXX deleted the account. I also sent a debt validation letter to XXXX/ XXXX and receive a letter stating they will be no longer collect on this account, Transunion has not as of XX/XX/XXXX removed/deleted this from my credit report. XXXX/XXXX account # 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 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Follow-up on Case #  XXXX  On  XXXX   XXXX ,   XXXX   at  XXXX , I received a call from Chase introducing herself as  XXXX   XXXX   from the   executive de partment. The number that registered on my phone was  XXXX . I was suspicious of that call because of the questions she asked me and she concluded right away that my accounts were closed and she said that since I sent my complaint to CFPB, if I remember it right she mentioned that I should be receiving from CFPB a letter confirming what she told me that my accounts were closed. I have doubts about her because since my whistle blowing, in my experience I have encountered several people posing as someone who is authorize to give information, as if the calls were legitimate. Yesterday,  XXXX   XXXX , she called me again to ask the address of the branch that I have complaint about when last  XXXX   XXXX  she insinuated that my case was closed. This time the number did not register on my phone. When I asked if that was how the bank would handle a complaint, I did not get a satisfactory answer. The complaint I prese nted was more about closing an account. I also received a letter from Chase Executive de partment acknowledging that they have received my complaint but the letter was not signed. When I was typing the complaint last  XXXX   XXXX , I noticed that there was a notification that someone was editing what I was typing. When I printed the complaint, it showed that I did not address my complaint to the bank. I did. I have gone to the bank to ask for the release of my settlement a lot of times.  Maybe ten  times. If the settlement was released to me, I would not have mentioned other grievances with the bank. I am filing this complaint because I am suspecting that this network is again intercepting any communications to me about this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: TX

Complaint narrative:
Citi B ank advertised in  XXXX   XXXX  that it will give {$400.00} bonus to a customer who deposits {$15000.00} into a new  Citi B ank checking account. The bonus will be rewarded within 90 days. I opened a checking account with  Citi i n  XXXX , deposited {$15000.00} on  XXXX   XXXX ,  XXXX . The bonus is supposed to be deposited into my account on  XXXX   XXXX ,  XXXX . I called the bank many times but as of today,  XXXX   XXXX ,  XXXX , the bonus {$400.00} was not there yet. Because I have to work as an   XXXX  for  an   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX , I do n't have time to follow up on this matter. I happened to know th at Citi B ank has done the same for many others until the customers complained to CFPB, then it turned around to say they could not verify customer account, but after a few days they went ahead to pay.     M y Citi  account number is  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 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
A loan modification was denied and an appeal was faxed over to the lender. Since it was n't emailed to the correct department they refused to review the request. A notice of error was submitted today requesting a copy of the guidelines listed for the denial. A 20 % reduction in P & I is not a RESPA guideline and the homeowner shows he can afford his payment without that reduction.

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 2017-05-09 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 — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I attempted to obtain my annual free credit report from Experian online and received the message shown on the attachment.   I replied to the message by mail including a request for the report and information as to why I could n't get my report online.   I am attaching a copy of the credit report.com reply whichI find completely uninformative.

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 2017-05-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
O  n  XXXXXX 201  7,  I  pulled my  3 in 1 cre dit report through   XXXX   - it showed that I had  XXXX  collection accounts on my Equifax report - I am not liable for these accounts. I submitted a dispute online for all  XXXX  accounts. On    XXXX    17, I  received a response on stating that these accounts were verified and are in fact mine. However, I am not liable for these accounts. Upon the direction of the communication I received from Equifax - it stated that I should file a complaint with your agency against Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: WA

Complaint narrative:
I have already submitted a complaint and wish to add this information. SPS and or   XXXX   are complicit in committing a felony on  XXXX   XXXX   records  filing a fraudulent assignment in  XXXX  claiming  XXXX  is successor in interest to  XXXX  which has been proven a legal impossibility in my case and thousands of cases across t he US. On top  of that  XXXX   XXXX  has evidenced  one hundred  percent of the assignments she investigated in  my county ar e VOID and fraudulent.     Thank you for your complaint  XXXX  about SELECT PORTFOLIO SERVICING,  INC..     XXXX   XXXX  has certified every page.  100 percent of  the assignments on  XXXX   XXXX  records she investigated only being allowed to investigate homes not in foreclosure, all were fraudulent and VOID.   This is concealed by mayor  XXXX   XXXX  in complicit with the fraud on  XXXX   XXXX  records and most evident o n all county records in the State of  Washington.       XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   You can see in Exhibit A Trust Long Beach Mortgage Loan Trust  XXXX  is a faulty trust  XXXX  has been paid a settlement for  due to this trust is VOID and never existed.      XXXX   XXXX   XXXX   On   XXXX   XXXX   XXXX  , the FDIC  Board of Directors approved a se ttlement among the Receiver,  XXXX  and  XXXX , which would settle the lawsuit filed by  XXXX , the Indemnification lawsuit filed by   XXXX   and  all clai ms for indemnification made by  XXXX  against the Receiver, including  two other  lawsuits disputing  XXXX s responsibility for tax liabilities of the failed  XXXX   (   XXXX  Settlement ). In exchange for releases from  XXXX  and  XXXX , the Receiver will pay  XXXX  {$640.00 }   XXXX   in c ash in settlement of its administrative claims in the receivership and will give  XXXX  an allowed general unsecured receivership claim for {>= $1,000,000}. The  XXXX - XXXX -FDIC Settlement agreement can be found at this link :  XXXX - XXXX -FDIC Settlement agreement - PDF. SEE EXHIBIT A The  XXXX - XXXX -FDIC Settlement remains subject to judicial approval in a procedure to be filed by  XXXX  in California, and if approved, will result in the dismissal of the  four   XXXX -related actions pending in the  U.S. District Court for the District of Columbia and the appeal pending in the U.S. Court of Appeals for the District of Columbia Circuit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BBVA FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I was a customer of online Bank  SIMPLE  for quite some time. Recently, they changed partner banks to  BBVA Compass . I thought transferring to the new partner bank, via SIMPLE 's web site would go smoothly as I was already an existing customer. However, there was a technical issue, which they REFUSED to disclose, which prevented my transition to   BBVA Compass.
SIMPLE instructed me to close my account with the old partner bank and when it was fully closed, to go online and open a new account, which would be with BBVA Compass.
I did that two weeks ago and never heard a thing from SIMPLE, o  nly to call them today to find out that they can not open my account, And, refuse to give a valid reason, other than, " it is a technical issue. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-09 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
I am filing a compliant against Credit Bureau    XXXX , on  XX/XX/XXXX  I disputed a Fraudulent account on  XXXX /   XXXX    my credit report ... thru  XXXX  &  XXXX  ,  XXXX  sent results back as verified and belonging to me, however  XXXX  deleted the account. I also sent a debt validation letter to  XXXX /  XXXX  and receive a letter stating they will be no longer collect on this account,  XXXX  has not as of  XX/XX/XXXX  removed/deleted this from my credit report.
 XXXX / XXXX  account #  XXXX  ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 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: TX

Complaint narrative:
I noticed a company called  XXXX  made an inquiry on my experian credit report on   XXXX   XXXX   XXXX   I do not know who they are. I have disputed it with them but they claim it was a valid pull.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: ID

Complaint narrative:
I had a foreclosure on my home in   XX/XX/XXXX .   XXXX  reported it on my credit in    XX/XX/XXXX   . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX  Mortgage contacted  XXXX  telling them this debt ( charge-off of {$35000.00 } ) was to o old and needed to be removed. They refused to remove it, stating we had made payments in   XX/XX/XXXX ,  XX/XX/XXXX  and   XX/XX/XXXX   of that year (  XX/XX/XXXX  ).  We were unable to purchase a home due to their fraudulent claims.     I disputed it with   XXXX   and thankfully they removed it. I have tried to dispute with Equifax (    XX/XX/XXXX    ), but  XXXX  reported we never missed a payment from   XX/XX/XXXX  to  XX/XX/XXXX   and we make payments on the loan ev ery 3-4 months . They have not reported to  XXXX  any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from    XX/XX/XXXX - XX/XX/XXXX   , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in  a 7-year  period to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
i have send a loan modification package to shellpoint on  XXXX   2016 . all requested documents were send to the bank on time i got a response from the lend er 2  weeks ago regarding my loan modification status shellpoint had declined my loan modification because they said i have equity i have ordered an appraisal report from a lisenced appraiser value came out at  XXXX  i also odered a pay off statement from the bank and i owe {$410000.00} i have no equity please help

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I tried to transfer my fund from my  XXXX   XXXX   XXXX  (  XXXX   ), to  m y Wells Fargo   Checking Ac count and it was rejected. The proble m, Wells Fargo  took the from my  XXXX  account but, did not put the money in my account. The money in also not in my  XXXX  account. This happened on Thursday,  XXXX   XXXX    XXXX  . Today is Tuesday,  XXXX   XXXX    XXXX  . I was told at first that my funds would be back in my  XXXX  account in 10 days, then it wa s 72  hours, now they are sayings 30 days. I ca n't wait 30 days s! Wells Fargo h as my funds but will not give my funds nor return them. I need my funds now! My rent and utilities need to be paid! I am under and eviction warning, I will loses my storage, I ca n't buy my meds. Please help! the amount in question is {$3400.00}.

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 2017-05-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: ID

Complaint narrative:
I had a foreclosure on my home in  XXXX .  XXXX  reported it on my credit in  XXXX   XXXX . The charge-off is past the statute of limitations. We tried to purchase a home a year ago, but could not.  XXXX   XXXX    XXXX   contacted  XXXX  telling them this debt ( charge-off of {$35000.00}  ) w as too old and needed to be removed. They refused to remove it, stating we had made payments in  XXXX ,  XXXX  and  XXXX  of that  year (   XXXX  ). We were unable to purchase a home due to their fraudulent claims.     I disputed it with  XXXX  and thankfully they removed it. I have tried to dispute with  XXXX   (   XXXX   XXXX   ),  but  XXXX  reported we never missed a payment from  XXXX  to  XXXX  and we make payments on the loan every  3-4 mon ths. They have not reported to Experian any payments received by me, but the total amount is still on that report.     We have received settlement opportunities from  XXXX  in the mail with the original amount of {$35000.00}, with a settlement offer of {$30000.00}. If they have reported we paid faithfully from  XXXX , how is the loan the same amount? Clearly, we have not made any payments whatsoever to them since the foreclosure. I have documentation through my banking that no payments have been made to them. Since there are too many bank statements in a  7-year p eriod to upload for this claim, we are asking that  XXXX  show " proof '' of my supposed payments to them.     At this point, we are going to have to seek out legal counsel, which would be a hardship to do. But, this has prevented us from purchasing a home, paying high rental rates to rent a home and higher interest rates on everything unnecessarily for the past 3 years. This has been so frustrating and devastating to our family not to be able to own a home after 10 years. We are asking to please offer any kind of solution on how to get this resolved as quickly as possible.     Thank you so much for your time with this sensitive matter. We would greatly appreciate any help.     Sincerely,  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