vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I opened a new checking account at a local Citizen 's Bank ( CB ) branch. CB was running a promotion ; make {$500.00} in direct deposits within the first 60 days and CB will deposit a {$200.00} bonus. I asked the banker, XXXX, if the initial qualifying {$500.00} direct deposit could be broken up into multiple deposits, or had to be one large lump sum. She specifically told me that as long as the direct deposits added up to {$500.00}, either would be fine. 

I immediately adjusted my funding accounts at work for two direct deposits of {$250.00} each to be deposited over the subsequent two pay periods ( totaling {$500.00} ). However, the {$200.00} bonus was never credited to my account. I called in after the 60 day period expired, and was told that the initial deposit had to be one lump sum of {$500.00}. So I contacted XXXX, who advised that she reached out to CB 's marketing department and asked for an exception. Unfortunately, the exception was denied, even though she initially advised us that the qualifying deposits could be broken up. 

I attached the e-mail conversation with XXXX. She advised that she never stated that the initial deposit could be broken up. However, I would not have broken up the deposits if I was n't informed I could do so. The only reason I broke up the deposits was because it was more of a convenience ; doing the one lump sum would have required me to temporarily delete one of my funding accounts from my company 's payroll system. 

The whole ordeal has been really unfair. I know it 's my word versus the banks, but I really feel that this is a UDAAP issue. Please make an exception and credit me the {$200.00} intro bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
My name is XXXX XXXX and I 'm a victim of Identity theft, Ive attached my FTC identity theft report. I believe that my accounts have been used fraudulently in the past and currently. Can you please check to see if any personal or business accounts are open under my social security number or have been open in the past. if so, can you please close the account and send every single statement to my address XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX SSN # 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 2017-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax keeps deleting good and open accounts from my credit report. they have over 5 accounts missing or been deleted for no reason. I have attached the file for these accounts that need to be added.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
Call from ( XXXX ) XXXX representing Am Ex promo cruise. Not a member but pushed 1 to talk o a human. Told her I am on the do not call registry. She hung up on me immediately. Tried texting the number and text was blocked No doubt this is a scam My number is XXXX XXXX XXXX. Happened about an hour ago. Any help resolving this greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: NC

Complaint narrative:
Sears Mastercard Billing Dispute and Fraud XXXX XXXX XXXX XXXX XXXX, SD XXXX Re : Citi Bank Billing Disputes Mastercard : XXXX  _____________________________________________________________________ Sears is giving me the run around and I should have to go through this. I have sent over thirty pages by fax 4 times to their billing dispute department and every time I call, it highly appears they are lost or can not find any of the documents I sent to them about the merchant that deceived me for several months by theft by deception with false impressions for him to obtain a very large financial benefit from my credit card. By this merchants misconduct he knew my XXXX child needed XXXX XXXX XXXX XXXXs and the merchant withheld that information from the family court since XXXXX XXXXXXXXXXXXXXXXX/XX/XXXXX/span> just to get money, and he left me special needs child 's life dangling by a string and he did not care if my son XXXX or live. This merchant cause harm and damaged my XXXX XXXX  child and put his life at risk causing a forced removal away from his medical treatments, rehabilitations, and specialize team of medical specialist. I had to hire another merchant lawyer to clean up this mess in a emergency, as this merchant XXXX XXXX of XXXX XXXX XXXX never appeared in court or filed a court motion ever. I found out the truth on XX/XX/XXXX when the family court clerk told me this merchant XXXX XXXX was never on any record in the Court ever. My family and I have been through so much and now Sears whats to play games and cause more unwarranted hardship, even after I sent them over 30 pages with proof. I have filed a complaint in the US Dept of Justice against this merchant for the violations he has conducted and that it other victims he did this to going back to XX/XX/XXXX when they filed lawsuits against him for the same misconduct. Please he this company fight for me and not against me to cause more damages. Because of this horrible merchant and his deception, my case went to the second highest court in the the state of new jersey called the Appellate Division of Superior Court costing me a financial lost of over {$25000.00} now and damages.

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 2017-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Fein, Such, Kahn & Shepard, P.C.
State: NJ

Complaint narrative:
My job received a wage garnish for a debt they faxed me over a copy it has someone else 's social security number on it so I wrote a letter to the company requesting proof of debt in XXXX 2017 and still have not received anything but they sent another letter to my job today I did ask for all communication to be in writing and still they wo n't tell me what the debt is for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Yamaha Motor Finance Corporation USA
State: MA

Complaint narrative:
I purchased a brand new XXXX Yamaha Wolverine R spec ( utv ) from my local yamaha dealer for roughly 15000 dollars on a loan when they first came out. I purchased an extended 4 year warranty through yamaha for full drive train coverage etc. after owning this machine for not even a year and  only having 1200 miles on it the motor went on a cold start one day. The dealer replaced everything from the crank up in the motor without figuring out why it went. This roughly cost 3500 dollars in parts and labor for yamaha i would assume. The dealer ran it around the building numerous times etc and i got it back in reasonable time. With all brand new parts the motor came apart again not even 150 miles later.. The dealer has pulled apart engine and wants to replace oil pump along with all new parts again but yamaha is refusing to cover the machine with over 2 years of warranty left. its clear that the machine has a lubrication issue within the motor yet are claiming this is all my fault. They went as far as offering me one part as good will and than sent me a cheesy sticker package in the mail. I still owe an outrageous amount of money on something i ca n't use. I had to cancel hunting trips etc and am still making all payments. The dealer has made numerous calls to Yamaha motors corporation only to have my claim denied time and time again. I have spent lots of my time on the phone and can not get any answers from the company. a person name XXXX with customer service has denied my claims and wo n't give me a direct answer about covering the machine. I feel that i am being treated very poorly and was sold a lemon that I 'm now stuck with. I 've owned numerous machines through this company and have never had an issue. I 've found other people with similar issues online from some of the first wolverines that were purchased, not sure on the outcome for them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: GA

Complaint narrative:
Today, XXXX XXXX, XXXX, I have included by voluntary dismissal filed in XXXX County Georgia litigation against SPS. I really would like SPS to answer my questions before we attempt to negotiate a settlement. 

So please answer my questions. I am again requesting a criminal investigation with you, among other investigative institutions for breaches of contracts well before you started servicing this loan. 

This request for investigation is based on tax evasion, money laundering, predatory lending, deceptive trade practices and fraud. I requested the name of the Securitized Trust that my note was in, and have not received it yet. XXXX XXXX XXXX XXXX XXXX XXXX was the original lender on my note, not XXXX XXXX XXXX Company as illegally placed at the lender on my note. With this Deed and note publicly recorded, XXXX XXXX XXXX may have committed Fraud, Forgery, Perjury, money laundering, among other crimes. 

My note has been through Assignments several times ( Attached ), each of which appear to be Fraudulent with signatures of Bank Employees, not XXXX XXXX XXXX XXXX XXXX XXXX employees, which went out of existence on XXXX XXXX, XXXX and could not sign or transfer any documents or Assignments ( As attached ). XXXX XXXX XXXX then with a limited power of attorney from the FDIC than awards my house back to XXXX XXXX XXXX. Signed by XXXX XXXX XXXX employees. Notarized by a XXXX XXXX friendly Notary. 

Since XXXX XXXX XXXX XXXX XXXX XXXX had no authority to remove or assign my above note after XXXX XXXX, XXXX, why were there Assignments in XXXX and XXXX? 

Each signatory of each document should be investigated to determine if they were in fact XXXX XXXX XXXX XXXX XXXX XXXXXXXX employees, or Bank Employees creating Legal Documents to Defraud the Homeowner. I have sent a QWR asking basic accounting questions about records which SPS does n't seem to have. 

I also challenge the P & A agreement Chase uses to validate authority from XXXX to foreclose. I question the assets actually acquired by XXXX which then sold/transferred to SPS. 

Please answer these questions before the CFPB so that we can move forward one way or another.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NH

Complaint narrative:
Attempted to assume and receive a mortgage modification after my mothers XXXX XXXX/XXXX/XXXX. 

Applied through loan servicer ( Select Portfolio Servicing ) on XXXX/XXXX/XXXX. 

Denial letter received from loan servicer on XXXX/XXXX/XXXX for the following stated reason : Discharged Bankruptcy not Readfirmed Mortgage was already in an active modification and was based on my mother and my income prior to her XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi my name is XXXX XXXX we bought a house inXX/XX/XXXX let me tell you when I mean going through the process of this was a total nightmare. We were first told 45 to 60 days that started in XXXX XXXX in XXXX we were told I only needed one thing to finishe that took a month going back and fourt with underwriting and lender. Then in XXXX we were told the house was ours that was on a Thursday we were scheduled to close on Monday on the Friday before we were told the person handling our file no longer works there and we have to start all over again from the beginning. Collecting bank statements, check stubs employment verification again why the others we already got couldnt be used I do t know. This took another 3 months now doing this whole time my husband who is XXXX and has major health issues goes on a XXXX at night we were forced to live in a motel paying {$400.00} a week. Then finally the day before we closed the underwriting calls and ask if anything happened to my husband could I handle the house payment. That right there is illegal we feel like the whole process was a big joke and we were being played. Now at the end of XXXX we were in the Hurricane I missed days from work caught XXXX. I was told if we called our mortgage company they would work with us. Oh ya they are working with us alright told me I could have a 3 month forbearance pay what I could. I asked the gentleman I spoke with if I was gon na get penalized for not making a payment and if I was gon na have to make a large payment in XXXX he told me no. Big lie now I find out I gave to come up with XXXX by XXXX first. Im afraid to ask for mortgage assistance for fear of being put through the run around again I dont wan na lose my house I can handle the payments we just got put in a situation with the Hurricane.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
We have tried numerous times to work with Ocwen Loan servicing and they have been stringing us a long for years saying that they would do a loan modification and we did 2 or 3 times trial payment just to either come back and reduce it by XXXX they are just playing games with consumers. After dealing with this and the frustration we ran into a company that specialized in forensic audits in mortgages and they found that Ocwen has done fraud our mortgage and do n't even have the original note. How is it that the judges allow bank like Ocwen to come and hurt and mislead and cause bank to foreclose on home owners that are only really trying to get help in making payments because of a hardship they have been going through instead they take advantage of the situation and have no consideration nor any intent to help.

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 2017-11-03 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: AL

Complaint narrative:
I recently submitted a request to TransUnion as well as XXXX and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also TransUnion totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. TransUnion updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.

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 2017-11-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: IL

Complaint narrative:
I received a notice from my stock trading company stating that I was denied an account due to insufficient funds because I did not have a monthly income to qualify for the account. I looked at the letter and noticed that the had my yearly income incorrect so I called them to correct that issue and when I did a few weeks later I received a credit card from the brokerage that I did not apply for. A week later I realized that the banking institution I use for my day to day transactions which holds my credit card balance was XXXX out??? How did that happen? I did not know where the balance went, who paid the balance or where it was transferred to, XXXX disappeared from my Military Banking institution without my knowledge. A month later I logged into my trading  brokerage app and found the balance was transferred to a credit card I did not apply for and furthermore, I did not AUTHORIZE ANY TRANSFER. They transferred the account balance, charged me a fee for the transfer and raised my APR. I contacted them to ask them who authorized the transfer and the customer service told me that I authorized it but could not prove ( to date ) who authorized a balance transfer. I was then transferred to their fraud department and they did an in-house investigation, a month later I received a letter of denial saying that they did not find any fraud and that I was still responsible for the credit card balance. I spoke with customer service and the fraud department on a three way call as to where the customer service representative said that my complaint resides with the fraud department to which the fraud department said they would send a letter that I would need to have a notary witness the letter upon the return to their department, I also paid for it to be certified upon receipt that they had received the letter within the time frame they put on the letter. Now I keep receiving calls from their customer service saying that my balance is seriously overdue and that the account is about to go into collection. This company has ruined my credit status from XXXX now down to XXXX due to their deceit. They transferred a balance from the my banking institution that I used to transfer money into my trading brokerage. This is not what I applied for nor did I approve to take on a transfer fee and allow them to raise my interest rate, why and who would be stupid enough to accept such a transfer? No one and thats why the illegally did the transfer and now there has been late fees incurred to this fraudulent account in access of {$2500.00} and they hurt my credit score. Please investigate this fraudulent practice of theft.

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 2017-11-03 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pendrick Capital Partners Holding, LLC
State: FL

Complaint narrative:
On XXXX/XXXX/2017 I checked my credit score and report and noticed that there was to accounts for medical bills that I did n't know about, I called the hospital and they told me to contact account and billing department I did that and I told them that I never received any medical attention or treatment. One is for {$820.00} and the other is for {$65.00}. Both are from the same place I then disputed the collection with the credit bureaus and within a few weeks they were taken off my credit report. Then my credit score went up and I thought it was taken care of and was going to be getting my credit score better, but today I got a email stating that a different collector is being used to try and collect money from me that I do n't own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: AL

Complaint narrative:
I recently submitted a request to XXXX as well as XXXX and Equifax to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03 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: AL

Complaint narrative:
I recently submitted a request to XXXX as well as experian and XXXX to remove the included in chapter XXXX bankruptcy statement from my report since it was NOT LISTED in my schedules. I provided proof of my schedules they never contacted the courts to verify the matter. Also XXXX totally misinterpreted or blaintly disregarded the letter I sent because they updated information that I DID NOT DISPUTE. XXXX updated my student loans that were PAID for by XXXX XXXX because they were consolidated and put that my loans were included in my bankruptcy which is incorrect. That wasnt even what I was disputing they changed /updated information that I did not dispute nor request to be updated.

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