vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SUMMIT FUNDING, INC.
State: CA

Complaint narrative:
applied for a mortgage to refinance a residential property the loan to value was less than 50 % adequate income and credit score above 800 they turned down the loan ; I think it was because of age ( too old ) I ask the company manager for a written turn down ( twice ) ; never received one ; also ask for a written turndown letter from the mortgage resprestative

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 2017-12-12 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: CITIBANK, N.A.
State: AZ

Complaint narrative:
I over paid Citi Bank $XXXX on XXXX XXXX XXXX and I have been trying to get my over payment returned to my checking account since I learned of the situation and I contacted them on XXXX XXXX XXXX and I was sent a check which was non-negotiable because it was issued to a business that has not been in business for 5 years. I called Citi Bank about this and I was told that my money would be back in my account by XXXX XXXX or XXXX XXXX XXXX. However, so far I do not have my money. I talked with a man named XXXX this morning and he told me that my refund was approved yesterday XXXX XXXX XXXX and that I should have my money in 3 to 5 business days. What gives any money institution the right to play someone else's money for a month without paying interest as I would be charged by them if I were late with my payments?

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 2017-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA

Complaint narrative:
My name is XXXX XXXX. I am filing this complaint because Transunion is refusing to update my XXXX XXXX XXXX collection accounts as paid and settled. The account numbers are : XXXX ; XXXX ; XXXX ; XXXX ; XXXX ; and XXXX. I settled with XXXX XXXX XXXX and paid off these accounts months ago but for some reason, Transunion has been the only agency who has not updated these accounts to reflect as " paid ''. It has been over six months of back and forth disputes with Transunion and they have not resolved my issue. I am including a section of an XXXX only report which shows how all six of these accounts are reflecting as paid and settled accounts. What is wrong with Transunion and why ca n't they update my accounts properly? I do n't see how this is so difficult. What makes this all the worse is that they have been writing to me in their letters asking me to call the creditor to verify the information being reported. I do n't need to do that because I know these accounts have been paid and settled. I did it myself. XXXX  and XXXX would n't be reporting them as " Paid '' if this was n't so.

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 2017-12-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: U.S. BANCORP
State: CT

Complaint narrative:
XXXX XXXX XXXXCardmember services (see attachment)Above company received my dispute on or about X/X/2017 (XXXX).XXXX advised she would pursue the dispute and at the end of 90 days sent a letter (attached) indicating I requested "to cancel the dispute as you no longer dispute the transaction" which is absolutely false.Upon discussion with XXXX I learned her actions were grossly negligent and had no intention of pursuing  the dispute.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 monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
Hello, I opened an EZChoice Checking account with M & T Bank. As part of opening the account, I used the promo code QK as an offer to get a {$200.00} bonus for opening the account, with the following requirements. See here for an image of the mailer and even the fine print of the offer : https : XXXX Open a new M & T personal checking account by XXXX XXXX, XXXX with the promotional code QK and receive a sign up bonus of {$200.00} when you do the following : Set up a qualifying direct deposit of {$100.00} or more within 90 days of account opening That is the language from the offer. I confirmed multiple times on calls with customer service reps that my direct deposit from my employer was accepted, and valid. They did n't dispute that I met the direct deposit requirement. 


When I waited 90 days after no bonus posting, and the account still in good standing, the supervisor of the CSR told me that I did n't open up the " correct '' account, and that I had to open up the " MyChoice '' checking account for the promo code QK and NOT the EZChoice Checking. 


Look at the image and the offer! It says ANY checking account, and no where did it specify MyChoice checking. In addition, when I called the previous times to check if I had met the requirements, they said I was fine and I even mentioned the SPECIFIC promo code QK, and they never said I had opened the wrong account. She says there 's " nothing she can do '' even though I explicitly explained all of this to the person. 


This was after 2 calls where specifically I asked if I had met the requirements, and if there was anything that would cause me not to get the bonus. Both CSR 's told me I was set and just to wait. Then when I finally waited the maximum time, I get this response with no proof that I did n't open up the " correct '' checking account, even though there are virtually no differences between the two. ( No material difference in fees or anything )

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 2017-12-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AE

Complaint narrative:
I paid off my mortgage in full. Then Loancare, A XXXX Company auto drafted me by another payment. They gave me a hard time about wiring money me my money. I am a XXXX who is forward XXXX to XXXX without his family. There was no way for them to quickly mail me my money. They resisted sending me my money and had me on hold for an hour. I eventually had to give them my bank records to show that they are wiring me my money, and they agreed that within 48 hours they will send me my money. They have n't sent me my money ; it 's XXXX ; and the took food and presents from my kids who I do n't get to see. Can you help 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 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
I received a letter from Navient about my renewing my repayment options in XX/XX/XXXX and decided to log in into my studentloans.gov account to view my documents. 
and there are multiple errors on my consolidated loan application. 

I dealt with previous scammed third party loan servicers : XXXX XXXX XXXX XX/XX/XXXX- XX/XX/XXXX, XXXX XXXX XXXX based in CA XX/XX/XXXX- XX/XX/XXXX, and XXXX  XXXX XX/XX/XXXX -XX/XX/XXXX. 
I paid {$390.00} each since I was n't full steadily and full-time. 
The third party loan servicing companies " promised '' to lower my student amounts ; however, I have n't received a call or correspondence to send them monthly payments thereafter once I paid the initial fees so I am left in the dark about my payment status. 

XXXX XXXX XXXX reported their XXXX XXXX office as my permanent address and listed my second contact person incorrect address in XXXX, PA. 
INCORRECT!!! 
I even saw the XXXX XXXX CA address listed on my 3 credit report agencies I disputed. 
I listed the second contact person since I rented a room at a house located in XXXX, NY. 

I am perplexed still about the erroneous information on my loan application at studentloans.gov and have been reading about the negativity of Navient especially the lawsuits this year. 

I even received harassing calls about my account is flagged for loan forgiveness programs I am starting to believe there are scams. 

What is the status of Navient? 
How can I begin a new year with a full-time at a union organization wasting money at a loan servicing company facing lawsuits? 

I ACKNOWLEDGE THE FACT I OWE STUDENT LOANS BUT HOW AND WHEN CAN I EVER REBUILD TRUST WITH THE US DEPT OF EDUCATION?!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
XXXX XXXX XXXX credit cards/XXXX XXXX Florida XXXX XXXX XXXX XXXX on my credit report in which I did not authorize. I want this off my credit report please with your assistance.

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 2017-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Portfolio Recovery Associates, LLC
State: MI

Complaint narrative:
I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX XXXX ''. This company states that XXXX XXXXXXXX XXXX XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Recovery Systems
State: TN

Complaint narrative:
I submitted written notification to Midwest Recovery Systems on XXXX/XXXX/XXXX asking them to validate this debt. Today is XXXX/XXXX/XXXX it has been 48 days and I have not received anything validating this debt. I have NEVER done business with Midwest Recovery Systems. I dont have a signed contract nor any contract with Midwest Recovery Systems. I have a right to demand to see the contract between Midwest Recovery Systems and myself. Midwest Recovery Systems has listed this account multiple times with the credit bureaus. I want this INVALIDATED DEBT REMOVED FROM ALL CREDIT REPORTS. Midwest Recovery Systems is NOT LICENSED in the state of TENNESSEE. I would like this unfounded and unvalidated debt removed form my credit report. Per Tennessee Code TFDCPA 62-20-101 and 105 thru 127, Tenn Law emphatically states that " a collection service can not commence or conduct the business of collecting debts in TENNESSEE without being so licensed and bonded as well as maintaining a " location manager '' who in turn is required to be licensed and bonded. in the State of Tennessee. UNLICENSED ACTIVITY IN THE STATE OF TENNESSEE POTENTIALLY SUBJECTS THE DEBT COLLECTOR TO CIVIL AND CRIMINAL PROSECUTION.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: AMCOL Systems, Inc.
State: WY

Complaint narrative:
I ran credit report today and my credit rating is dropped by over 100 points due to Amcol Systems report for alleged debt or {$970.00} has been sent to collections. The alleged debt was originated from " XXXX XXXX Emergency Room '', which is part of the University XXXX XXXX XXXX XXXXXXXX. I was treated for a severe XXXX XXXX, and paid for the emergency room before I left. Months later I received a billing which I took to that same facility and told them the amount was excessive. I did not have health insurance and was told the debt would be written off. At no time during my emergency room visit was I told about potential costs or additional costs that may be incurred while the doctor performed additional XXXX and such to protect from malpractice. The XXXX were not needed for treatment, and were only for malpractice protection and were not ordered by me. I moved from XXXX and Amcol Systems has NOT provided me with option to dispute this debt as required by law. Amcol Systems is attempting to collect a debt that is not owed, and has adversely affected my credit score which will cost me nearly 2.5 % higher interest rate which will be nearly {$400.00} per month higher interest cost on my home mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I contacted transunion on XX/XX/XXXX at XXXX XXXX eastern standard time I mentioned to TRANSUNION i was a victim of their inquiry issue, a representative mentioned to me they were n't able to help me out with the inquiries, sec 611 of the Fair credit reporting Act states anything that is deleted from your credit report and reinserted you need to receive a 5 day notification after that item is reinserted, for the record I was not notify by TRANSUNION of any notification of any inquiry being reinserted ... 

Name of Company Date of Inquiry Type of Business XXXX XXXX XX/XX/XXXX Finance XXXX XXXX XX/XX/XXXX Banking XXXX XXXX Finance XXXX  XX/XX/XXXX Oil And National Credit Cards XXXX XX/XX/XXXX Oil And National Credit Cards

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 2017-12-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I ordered a gift card through XXXX XXXX on XXXX XXXX, XXXX. The card was never delivered. I have called the support line about 6 times since then, and have been very frustrated with the lack of results in crediting the XXXX points back to my account. 

My most recent conversation was with a supervisor named XXXX on XXXX XXXX, XXXX. While friendly, he was ultimately unable to credit the points back or do anything of significance to move the process along. He told me that a request had been made on XXXX XXXX, XXXX to defund the undelivered gift card and return the points to my account. On two previous calls to the support line, I was quoted a 30-day wait time for the process. XXXX told me that the wait was 60 days. 

Today is XX/XX/XXXX. It has been 77 days since XX/XX/XXXXwith no results.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AZ

Complaint narrative:
this is the second time i am filing a complaint regarding XXXX XXXX XXXX and tracking of public loan forgiveness payment tracking this issue. 

previously i received information from other borrowers accounts in addition XXXX XXXX XXXX was unable to correctly count the number of payments i had made. 

i submitted paperwork certifying my employment for a qualifying public loan forgiveness institution and received notification it was accepted on XX/XX/XXXX for the dates XX/XX/XXXX through XX/XX/XXXX, during this time i made a payment every month. 14 months, 14 payments. XXXX XXXX XXXX only recorded 2 payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Funds withdrawn without my consent. Contacted Wells Fargo regarding a monthly withdrawal for insurance we never needed or wanted. 
Withdrawal Start Date : XX/XX/XXXX Monthly Withdrawal : {$24.00} Company Withdrawing : XXXX XXXX XXXX XXXX My financial advocate was going over my checking account and noticed a fee being withdrawn monthly. I told them I could not get out of paying because every time I called Wells Fargo they told me I had to pay this. My financial advisor told me I did not have to pay this.

Never wanted the insurance.Called many times to cancel but they would not listen to me. I contacted Wells Fargo and told them to cancel this ( XX/XX/XXXX ) and they finally did because I told them I was going to place a complaint with the Consumer Financial Bureau. When asked about all the monthly withdrawals being reimbursed, they said they had a recording of me saying I wanted it. I asked for an audible recording of me agreeing to this and they said they could not supply 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 2017-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have received a statement from a debt collection company for an account I was not aware existed. The company is " XXXX XXXX XXXX, XXXX ''. This company states that Capital One Bank XXXX XXXX XXXX has a balance of {$500.00}, to be paid by me ( XXXX XXXX XXXX XXXX. I have not opened or received any credit from this bank or any other bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I recently pulled a copy of my credit report and to my surprise I noticed that you are reporting inaccurate data - such as : REPORTING AN ACCOUNT AS A COLLECTION ACCOUNT MULTIPLE MONTHS IN A ROW WHEN AN ACCOUNT CAN ONLY GO INTO COLLECTIONS ONE TIME. NOT 4 TO 24 MONTHS IN A ROW LIKE YOU ARE REPORTING IT!!! AND NOT AS A BRAND NEW COLLECTION EACH MONTH ... YOU HAVE REPORTED THESE ACCOUNT INACCURATELY LONG ENOUGH.. .REAGING OF AN ACCOUNT IS A MISREPRESENTAION OF MY CREDIT HISTOR-Y ... XXXX so DELETE THESE ACCOUNTS NOW!!!! PLEASE!!!!! I have fully researched my rights and found that the Fair Credit Reporting Act does not allow you to victimize innocent credit worthy people by reporting erroneous false information. Under the FCRA, the following applies 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 2017-12-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
On XX/X/17, I noticed that my PayPal account had an access limitation. I could not Withdraw money from PayPal, Send money or payments, andPay using PayPal. I could however Receive money or payments and Refund money to customers. I am a freelance consultant and I had received a payment for about $ 14k for my work. I have also sent payments of $ XXXX to vendors through this account before. It took me over 40mins wait on the phone for someone to help me. I uploaded documents they asked for and they emailed me requesting more information instructing me to go to their website to upload more documents and there 's no option to do that on the website. I had to call in again, waiting another 45mins plus. They finally sent me to the appropriate site to upload these documents. I am a freelance business consultant. I 've had my PayPal account for a while and have only recently started using it because it 's become more popular for clients to pay me remotely. My client paid approximately {$400.00} for this transaction that is in question. They block my account, withheld funds for review but does not answer the phone and take measures to resolve in timely manner. In the meantime, I do n't have access to my funds, they continue to collect revenue coming in and withholding it without paying me interest. Is this legal to withhold a customer 's money during resolution without paying interest for that money. If that is the case, 3rd party payment services like this can make a profitable business out of this activity all day, causing " reviews '' to hold customer 's large deposits without paying interest. I request an investigation on PayPal 's activities with these account holds. What happens to the interest they collect on the funds that belong to customers whose account they have blocked for " review ''?

Company response to consumer: Closed with non-monetary relief