vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-27 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: OR

Complaint narrative:
Hello, I opened up a Citibank Account Package on or near XX/XX/2018. This included both a checking and savings account. During the opening process, I included a bonus code XXXX, which provided a {$400.00} account bonus if {$15000.00} was maintained for 60 days. This promotion was open during XX/XX/18 to XX/XX/18, although it appears to be an active promotion. On XX/XX/2018, I deposited {$15000.00} into the account. On XX/XX/2018, the 60 day requirement was achieved. Per the terms with Citi, Citi had up to 90 days to properly fund my account with the {$400.00} bonus. After numerous attempts to confirm my account was in good standing and eligible for the promotion, I was able to finally speak with a CSR at Citi to confirm everything was set for the funding of the bonus by XX/XX/XXXX. Today is now XX/XX/XXXX. I attempted to contact Citi again to ask for the delay with no appropriate explanation. After being on the phone for about an hour on hold, I've decided to give up attempting to contact Citi in an appropriate way. This has gone beyond a reasonable attempt to reach this bonus.

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 2018-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: IL

Complaint narrative:
This is the second time we have had to file a complaint ( complaint number XXXX ). My brother is the homeowner but I have been communicating with the mortgage company since the beginning on behalf of my brother. I am authorized to communicate with them. My brother lost his job at the beginning of the year. The mortgage was transferred from XXXX to Bayview Loan Servicing as of XX/XX/2018. He filed for a loan modification in XX/XX/XXXX. After XX/XX/XXXX when they kept asking for copies of his paystubs I reminded them numerous times that he was no longer employed and could no longer afford to keep the home. He wanted to do a deed in lieu as he no longer wanted to keep the property, I was told by Bayview that they do deed in lieus very rarely and they wouldn't recommend it. I told them that he had to vacate the home as he could no longer afford the condo assessments, utilities, etc. They kept insisting that there was someone still living in the home even though I told them that their appraiser took photos of the wrong unit and that my brother 's unit was clearly marked with his name and unit. They finally admitted they had the wrong unit after we filed the first complaint. The second time I told them he wanted to do a deed in lieu I was told he couldn't do it until the loan modification was denied. They sent the denial to his vacant home dated XX/XX/XXXX ( over 6 months from the time he filed it ). They stalled for over 6 months. They knew he was living with me and had no idea they sent a XXXX   package with the denial until much later. He was served with a complaint for foreclosure at my residence on XX/XX/XXXX. The complaint indicates you should call your mortgage company or the attorney for help. I called Bayview, left a message and got no return call. I called them again, got someone who didn't have a clue what she was talking about so I asked to speak to a supervisor. I was told he was in a meeting and would return my call. Never did. I called their attorney 's office and was told to call the mortgage company. I will be filing a complaint against this company with every government agency I can think of.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 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: FL

Complaint narrative:
At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.

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 2018-10-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Recently reviewed credit file, noticed some inaccuracies listed. Disputed with all three credit reporting agencies. XXXX removed the credit item, Equifax did not. I sent them a copy of the investigation results showing the item was removed. Under the fcra the information is to be shared with all reporting agencies.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: NY

Complaint narrative:
on or around XX/XX/2018 I received an offer for reamortization. In the offer it stated my new payment would be {$1000.00} a month, which included principal, interest, taxes/insurance. {$710.00} P & I and {$340.00} taxes and insurance. I was instructed to mail along with notarize affidavit. But instead they took my check and put me into default. The payment is in " escrow '' with a statement of default date XX/XX/2018. The XXXX bill which was paid before this agreement was for {$1100.00}. where the interest had already increased to 3.50 % Now there saying the payment is {$1100.00} with principal only XXXX, interest {$490.00} and XXXX tax and insurance?? they claim it went up in XXXX? yet they sent this agreement written on XX/XX/XXXX. which is when interest went to 3.50 % the interest went from XXXX in XXXX went to XXXX in XXXX.. 
It appears the amount towards my principal keeps going down but the amount of interest going up. In XXXX my principal being paid was XXXX being paid, now its XXXX???? so theres is no savings. They received and extra XXXX or so in the last 6 years from my Hamp modification. So I noticed I forgot to add XXXX cents to my payment submitted with agreement. Yet it was approved but with a different amount due? the XXXX statement showed XXXX for Escrow but the agreement stated XXXX, They made a mistake but now have me in default through no fault of mine. Instead of modifying the reamortization, they put my payment in suspense and sent my a late fee and past due amount of the full {$1100.00}. in reality my principal payment went down XXXX dollars so where is the savings? it went down about XXXX dollars. So there is no savings they just lowered the amount of my principal payment so this made no sense. I m just paying less principal. With the extra XXXX I would think the interest would have gone down. The new payment should have been, {$1100.00}, with the new so called saving of {$1100.00} but there is not savings, I'm just paying less towards my principal. Makes no sense. I call to have them apply my payment but there reluctant to do 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 2018-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
Every year They charge me for a annual fee, last year when I spoke to them, he said it will not be charge now onwards. But again to my surprise, they charged me. {$39.00} on XX/XX/2018. 
I called asking them to remove the charges today ( XX/XX/2018 ), she said that can not be done. 

Can you get me refund please.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Santander Consumer USA Holdings Inc.
State: TX

Complaint narrative:
Open XX/XX/XXXX I had a installment loan that I couldnt afford anymore because my personal debt of income ratio started to get high and l was out of work for a while so the loan was default on and car repossessed XX/XX/XXXX with a balance of {$0.00} because the account was sold to another company.and it is still being reported on all 3 credit bureaus as negative. action taken I sent out letters through 3rd parties but nothing has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: TransferWise Ltd
State: CT

Complaint narrative:
This is regarding transaction ID # XXXX with TransferWise.com. 

On XX/XX/2018, I created an account and used transferwise.com for the first time to send USD XXXX to XXXX. TransferWise asked me my XXXX XXXX account login and password. I gave it to them, so they can use it to get the fund from it. The site showed the money should arrive in 1 hour ( XXXX ). 

On XX/XX/2018, I received an email confirming me that TransferWise has received the money ( XXXX ). 

On XX/XX/2018, I found my account has been deactivated without notice and I can't login to TransferWise.com. So, I sent email to TransferWise and they asked me to send a photo and photo ID ( XXXX ). By this time, it's already 5 days and I already gave up waiting for TransferWise and have already used a different online service to send the money. 

On XX/XX/2018, I replied I don't want the account anymore and just want my money back ( XXXX ). TransferWise asked me to check with the bank ( XXXX ). I called the bank but there's nothing the bank can do because the fund is already cleared. I asked if TransferWise has initiated the refund process or not ( XXXX ). 

On XX/XX/2018, TransferWise replied they have initiated the refund process on their side ( XXXX ) On XX/XX/2018, it's 10 days later and the money hasn't been refunded yet. So, I asked TransferWise again and provided them with a screenshot of the transaction from my checking account ( XXXX ). TransferWise replied that they're conducting a further customer due diligence check on my account and it can take approximately 60 working days ( XXXX ). 

On XX/XX/2018, I sent an email to complain they can't hold my money for that long without my permission ( XXXX ). TransferWise replied with similar info ( XXXX ). 

On XX/XX/2018, I sent another email to TransferWise mentioning it has been 2 months and I haven't received the money back ( XXXX ). TransferWise said they're forwarding my concern to the team ( XXXX ). 

Note : I also have called TransferWise regarding the issue, but they said they can't provide more info.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Monterey Financial Services LLC
State: NC

Complaint narrative:
Mailed a letter and ask for Validation of this debt. The company have not responded to me as of today XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
At the beginning of XX/XX/2018 I started to receive notifications that XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX had place a bad debt on my credit report with all 3 bureaus. On XX/XX/2018 I sent XXXX a letter to validate this debt as prior to and up to now I have never received any type of correspondence from this company. I also mailed a copy of this letter to all 3 credit reporting agencies. I never received any response from XXXX however each bureau responded by saying the debt doesn't currently appear on my report when it actually does appear on each report.

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 2018-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I was contacted by a XXXX XXXX credit card representative this past XXXX of 2018 with a voicemail that started off with a threatening tone that said that if I did not return their call within the same day that that they would have to take action and they wanted to know if I had an attorney. I received a letter a day later from XXXX XXXX credit card with a settlement offer I contacted them the same day that I received that letter and they were very dismissive during the call they wanted for me to make a XXXX XXXX dollar payment during that call that I made in response to their supposed settlement letter which was used as an opportunity for them to be rude and condescending on the phone. The representative that I spoke to on the phone regarding the settlement letter would not allow me to speak and refused to setup an agreement for me to make a payment of XXXX dollars each month until the debt was paid off. The only offer that was made over the phone was for me to pay at least two separate XXXX XXXX dollar payments until the debt was paid off unfortunately the person was rude and refused to help me in anyway until I had to hang up the phone because the person at one point during the conversation would not let me speak.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: REGIONS FINANCIAL CORPORATION
State: TX

Complaint narrative:
Trying to opt out every thing bc I had Id theft victim

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 2018-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
On XX/XX/2018, Mariner Finance initiated a " hard '' pull of my credit history ( on XXXX ) without my verbal or written consent. I was notified of this via a credit monitoring service. I'm currently behind on payments with Mariner Finance and have initiated a complaint regarding their aggressive and bullying collections efforts.

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 2018-10-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Ad Astra Recovery Services Inc
State: MO

Complaint narrative:
This company is trying to collect { {$890.00} } from me for a debt they claim I owe. I have disputed thIs demanding that they comply with the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by ( 1 ) providing me a contract or bill with my signature on it as follows : " I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. '' They sent me a computer printout of a bill and an agreement from another company that does not bear an actual signature, but nothing with my signature on it. They are in violation of the Fair Dept Collection Practices Act and the Fair Credit Reporting Act by claiming I owe money and they have no document bearing my signature wherein I allegedly authorized these charges. They are reporting this fraudulent claim to the credit bureaus as a valid debt, yet they are unable to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 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: MO

Complaint narrative:
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XX/XX/XXXX ) 2 ) XXXX XXXX ( XX/XX/XXXX ) 3 ) XXXX XXXX ( XX/XX/XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XX/XX/XXXX ) 6 ) XXXX ( XX/XX/XXXX ) 7 ) XXXX   XXXX ( XX/XX/XXXX ) 8 ) XXXX XXXX ( XX/XX/XXXX ) 9 ) XXXX XXXX ( XX/XX/XXXX ) 10 ) XXXX XXXX ( XX/XX/XXXX ) 11 ) Transunion ( XX/XX/XXXX ) 12 ) XXXX XXXX ( XX/XX/XXXX ) 13 ) XXXX ( XX/XX/XXXX ) 14 ) XXXX XXXX ( XX/XX/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 2018-10-27 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: IL

Complaint narrative:
In XX/XX/2018, I had a secured XXXX XXXX credit card that I have maintained for over a year. A few days following, one of the credit bureaus filed an alert that stated that my XXXX XXXX application was fraudulent, which prompted XXXX XXXX to close my account followed by a phone call from them to inform me of the closure of my account. I was extremely livid about the action. My credit score and report suffered as a result of this action. I filed a complaint with the Fair Credit Reporting Bureau against all three bureaus because I did not know which bureau filed the false claim on my account. XXXX and XXXX replied to the complaints in a timely manner, stating that they did not make a claim of my account being fraudulent. But Equifax never replied, hence discovering who had the most probable cause with committing this transgression against me and my credit standing. I tied reaching out to Equifax on multiple occasions by phone and and online, but no one bothered to reply. I filed a claim against Equifax with the Illinois Attorney General 's office, but after a few months of waiting for a reply from Equifax and only receiving one reply from the, which probed me for additional information, I was unsatisfied with their response. The Attorney General 's office closed my case because they claimed that there was not much of anything else that they could do. Now, I am seeking damages for Equifax 's actions that damaged my credit score and report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-27 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: FL

Complaint narrative:
To whom it may concern, Dear Sirs, Half year ago I have paid my debt to collection company, but the record of that collection still exist on my XXXX and Trans Union credit reports. 
This is the record : XXXX XXXX XXXX XXXX XXXX   Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2016 XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX XXXX - Collection company

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 2018-10-27 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Due to identity theft my credit report has been compromised. I have numerous amount of unauthorized credit inquiries that's on there. In accordance to the FCRA, I'm requesting that the following inquiries are removed at once. 

1 ) XXXX XXXX ( XXXX ) 2 ) XXXX  XXXX ( XXXX ) 3 ) XXXX XXXX ( XXXX ) 4 ) XXXX XXXX XXXX XXXX 5 ) XXXX XXXX XXXX ( XXXX ) 6 ) XXXX ( XXXX ) 7 ) XXXX XXXX ( XXXX ) 8 ) XXXX XXXX ( XXXX ) 9 ) XXXX XXXX ( XXXX ) 10 ) XXXX XXXX ( XXXX ) 11 ) XXXX ( XXXX ) 12 ) XXXX XXXX  ( XXXX ) 13 ) XXXX  ( XXXX ) 14 ) XXXX XXXX ( XXXX )

Company response to consumer: Closed with explanation