vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-19 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
We applied for construction-to-permanent loan from BB & T bank in the beginning of XX/XX/XXXX. We were approved for the construction-to-permanent loan in the amount of {$680.00}. 
Based on agreement between BB & T and us, construction loan money will be transferred in increments, pending on completion of each step of the project to our checking account within BB & T bank. Money transfer should be upon our authorization, and from our BB & T checking account money were paid to the builder. 
Construction began in XX/XX/XXXX, and 98 % of house project was completed by XX/XX/XXXX,  where {$630000.00} out of available {$680.00} were distributed properly based on our agreement. The person who was handling transfers from construction loan to checking account was XXXX XXXX, ( construction loan administrator ), contact number : ( XXXX ) XXXX - XXXX ; e-mail : XXXX XXXX XXXX, XXXX XXXX XXXX stopped transferring money from construction loan to our checking account, despite our multiple request. Nevertheless, she transferred money in nine increments in total amount of {$53000.00} in the period of two and half month, begging XX/XX/XXXX till XX/XX/XXXX to unauthorized account, without single conformation with us. Upon receiving in XX/XX/XXXX monthly construction billing statements, we have noticed few unauthorized draws in amount of {$30000.00}. Immediately we reached out to XXXX XXXX via e-mail and phone call, requesting explanation on suspicious, unauthorized draws, and asking to stop activities on our account. Despite multiple attempts to reach out to XXXX XXXX, XXXX XXXX ( loan officer originator ), and XXXX XXXX, ( construction loan administrator manager ) to resolve our situation, no one reached out to us. On the contrary, money from construction loan were continue to be transferred to unauthorized accounts without any of our knowledge, and by this time {$53000.00} are missing from our construction loan. We try to call, e-mail, and even went personally to the BB & T bank to resolve the situation, but no one could give us any explanation or answer. Because of inability to pay our current construction payments, construction is on hold, interested on unaccounted money has been accrue. We asking regulators on our behalf to reach out to BB & T and ask them to initiate investigation, also we would like BB & T to reach out to us in writing, informing us that investigation has been launched. In addition, BB & T needs to return improperly disbursed {$530000.00} to our BB & T checking account, so we can pay to our builder to complete the house.

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 2018-05-19 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
On XX/XX/2018 I filed a complaint against XXXX XXXX XXXX. due to not having a contract with the company because a contract I had with GE Capital was charged off XXXX XXXX brought my debt from the company. There is no signed contract between myself and XXXX XXXX GE Capital stated they longer have an account for me because the contract was canceled and charged off on XX/XX/2018 XXXX XXXX replied to my complaint and sent me someones bills with their name address and social and sent someone else signed contract they did not send a contract with my name on it between them instead they violated my civil rights and also someones privacy and confidentiality

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 2018-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Arnold Scott Harris, P.C.
State: IL

Complaint narrative:
This company keeps calling me and I do not owe them any money. I spoke to them and told them my name, I live alone, and that I am elderly. I asked them to stop calling but numerous times per day they call. The number that appears on the caller ID changes so I do not know if this is a scam but their harassment needs to stop.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: MO

Complaint narrative:
On the phone on hold with Experian again now, first rep name XXXX advised him addresses on my credit report I have never lived at told him I am a victim of identity theft he said accounts are attached to multiple accounts on my credit report, party gave the information which are all fraud accounts in which they have received a theft report. I told the rep again I have never lived at the address on file at XXXX XXXX XXXX and was told I need to contact the fraudulent creditors on my report he refused to remove this address, this is a huge problem! I can't verify a address I didn't live at.. I need this address removed asap this could cause another breech with my personal information. I also need the information from Experian they are using to verify this fraudulent address they are refusing to remove. I need the name of Furnishers, Something with my signature as required by Law with the FCRA. I will not call & give my personal information to companies I have no knowledge of > This has to be illegal, my next step is a civil lawsuit to see if other victims of identity theft are having the same issues with this.I am also on hold again for another 30minutes.

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 2018-05-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
My credit card company failed to notify me that a payment is due for this past month, with the the payment due on XX/XX/2017. The company typically sends an email message to me, rather than mailing a statement, to inform me that a statement is available to view. To clarify whether I have attempted to resolve this issue with the company, I have had this issue with this company in the past, several years ago, and informed it at that time on more than one occasion that it did not send a statement to me. However, I did not inform the company this time because clearly any problems I have had in the past did not get resolved and the company is failing to ensure that this does not occur again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Key 2 Recovery, Inc.
State: WA

Complaint narrative:
Key2recovery and XXXX XXXX XXXX say they own my debt. I started paying key2recovery then on XX/XX/XXXX I was mailed a letter from centeral portfolio stating I owed them the same debt. I started paying Key2recovery on XX/XX/XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Central Portfolio Control Inc.
State: WA

Complaint narrative:
I have been paying XXXX for a private student loan since XX/XX/XXXX and on XX/XX/XXXX centeral portfolio control sent me a statement stating I owed them the original debt.

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 2018-05-19 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Ok i call Experian to Dispute a bill that was fraud, that was done by my son so i agreed to pay it and the company agreed to take it off, i recieved a letter in writing stating it will no longer report on my credit, but in the meantime Experian concludes their finding ( investigation ) say that they contact the creditor our XX/XX/2018 to verify the debit was mine but i receive my letter of removal XXXX days prior to their finding, so are the credit bureau really investigation wrongful credit on people consumer report are they lying to you just to keep bad credit on your report, this is agonizing and very frustrating for a credit bureau to do a consumer like 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 non-monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
With no warning, around XX/XX/XXXX, a derogatory account showed up on my credit report. I am not disputing the Original Lender, ( although the amount was inflated ), my complaint is not getting a response from the debt collection company to work this out. I have called, and written to this company in an effort to get this removed from my Credit Report. 

Debt Collection Company : ONLINE IN SV XXXX XXXX XXXX, NC XXXX Original Lender : XXXX XXXX XXXX - ( Debt from XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On Sunday, XX/XX/XXXX, I made a purchase for a meal at a XXXX XXXX Restaurant located at XXXX XXXX XXXX, XXXX, CA XXXX ( Store # XXXX ). I was told by the restaurant attendant to wait 30 minutes for the order that I placed at the drive thru window of the restaurant. The order was untimely and I was not properly treated by the attendant of the restaurant. I canceled my order and did not purchase from the restaurant. 
On Tuesday, XX/XX/XXXX, a charge in the amount of {$7.00} was posted on my credit card account for the same order. I initiated a charge dispute with Capital One as I was unable to obtain a refund from the merchant. On XX/XX/XXXX, I received an email confirmation stating that an investigation was initiated. ( See Attached Email dated XX/XX/XXXX ) Capital One requested further information about the dispute and this was provided to them. 
On XX/XX/XXXX, I received a letter from Capital One stating that the investigation initiated by Capital One was completed for the transaction and that based on a previous review of the transaction the investigation was decided appropriately. ( See Attached Letter from Capital One Dated XX/XX/XXXX ) As of the present date, no refund has issued by Capital One or merchant for the charge that was made to the credit card for the food item that was not purchased. Capital One was unable to resolve the transaction dispute favorably on the basis of the facts provided to them where a refund was warranted.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
Common Wealth Financial attempting to collect a debt not owed. Original creditor was provided with the necessary information to obtain payment and failed to do so. Common Wealth Financial was also provided the same information and refuses to correctly bill and or remove the item in question from my credit report. The amount of {$1000.00} should not be on my credit and or owed and was recently updated as supposedly accurate on XX/XX/2018 after a dispute that was filed where the information was again provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: WESTERN UNION COMPANY, THE
State: FL

Complaint narrative:
Western Union is sending me email statements to my email address in regards to somebody else My WU account. I have contacted them and they keep refusing to look at the issue since they claim they can not find anything, still I have proof of the emails I receive from them, and I have verified that they indeed come officially from Western Union and is not phishing or spam.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Im am trying to access my financial data and its blocking the ap Im using

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital One is blocking me from logging into my personal account via XXXX app. O should have access to my financial data even via a third party app such as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: MO

Complaint narrative:
I had a checking account with US Bank, XXXX XXXX Iowa and their superiors told them to close my account on XX/XX/XXXX. The reason they said I was wasting my money on an XXXX Dating site. So I was told to find another bank, which I did. I found out today XX/XX/XXXX that my account was closed. I did not get any warning that this was going to happen and I have outstanding checks and debit card transactions. I was told two weeks ago that my account would be closed on XX/XX/XXXX. Now I will be charged with returned checks and my debit card transactions will be canceled. I was given no warning. The bank in XXXX XXXX Iowa was told by their superiors to close my account. This causes undo stress to me they had no right to change the date of XX/XX/XXXX to close my account immediately today XX/XX/XXXX I have no money and they said they sent a check to me with the balance of the funds in my account. So I will not have any money for at least 7 -10 days, because my new bank does not honor any checks until they are cleared. This is totally unfair to take this action today instead of XX/XX/XXXX.XX/XX/XXXX closing would allow me to finish my financial obligations in plenty of time. HELP! Bank routing # XXXX  account number is XXXX. I have the right to spend my money on legitimate dating sites. I am single so I should be able to spend my money as I see fit.

Respectfully, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Company is attempting to bill a debt not owed. Insurance was never billed by original company. {$900.00} companies have been provided with billing information multiple times.

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 2018-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Diversified Consultants, Inc.
State: NV

Complaint narrative:
I was contacted by DCI about a XXXX XXXX  bill. I explained that I filed bk on XX/XX/XXXX and they were automatically included since it was under 500.00. The representative told me that since the account did not go delinquent until XX/XX/XXXX that it was not included. I explained that I was disputing the account because the account has been past due since XX/XX/XXXX and that it was included and that the amount was incorrect. I notified the company that I was disputing this account and they have made no attempt to validate. This is not a valid debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Bliksum, LLC
State: CA

Complaint narrative:
Consumer reported a 30 day late to credit reporting agencies under deferred agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: I.C. System, Inc.
State: TX

Complaint narrative:
While reviewing a copy my credit report, I discovered that IC System Inc has reported a collection on my credit report. I do not have any knowledge of an account with IC Systems or any company they may be  collecting for. The company listed on the report says XXXX XXXX. I do not have any accounts with XXXX. IC System Inc has not contacted me by phone or mail, nor have I received a 30 day dispute letter. They are reporting a debt of {$140.00} and have failed to notify me of the debt or verify if it is accurate.

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 2018-05-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Southern Star Capital, L.L.C.
State: TX

Complaint narrative:
On XX/XX/XXXX I submitted an online refinance application to XXXX XXXX, Loan Officer, NMLS # XXXX, with Southern Star Capital, LLC, dba Reliance Mortgage. 
On XX/XX/XXXX I had a telephone conversation with XXXX XXXX at Reliance. He requested additional information, which I forwarded that day, and he told me he would have an answer by Monday, XX/XX/XXXX. 
I did not get a response so I called XXXX XXXX on XX/XX/XXXX, and left a message requesting a call back. I also emailed XXXX XXXX that same day requesting information. 
On XX/XX/XXXX I had still not received an answer so I sent another email to XXXX XXXX. 
To date, XX/XX/XXXX, I have still not received any response from anyone at Reliance Mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Southwest Credit Systems, L.P.
State: VA

Complaint narrative:
open date on my credit report XX/XX/2018 Last reported : XX/XX/2018 {$300.00} reported as fraud on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I have been calling into Navient for three days now, starting Wednesday XX/XX/2018. I have been hung up on, and transfered multiple times, without any respect. I have spoke with a manager who was extremely unprofessional, and literally laughed in face, for a matter that was less then funny. Instead of being considerate of ones situation she took joy in denying a reasonable request. My financial situation has not changed since the last time I received a payment plan aligned with my monthly income. Although my financial situation has not changed, nor has my co-signer, Navient is attempting to double my payment. Therefore I feel my information was entered into their system incorrectly. Instead on admitting at one point one of their representatives must have fraudulently entered my information incorrectly, if not this year then the prior year, she tried to accusing me of lying, and not wanting to admit I need help. That comment XXXX  me off because the whole purpose of attempting to renew my repayment plans is because I clearly needed help in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-19 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Was approved for a loan, but didn't receive the money — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL

Complaint narrative:
I was approved for a {$1500.00} loan through One Main Financial. And when I was able to provide all the required documents, I was told the loan was denied. Waste of time and inquiry on my credit report. Why call someone and say they're approved and have them allowing you to view personal information to slap them in the face.

This company is a fraud.

Company response to consumer: Closed with explanation