vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
On XX/XX/2018, I discovered my once trusted house cleaner wrote $ XXXX worth of fraudulent checks to herself over the course of 16 months. These checks were significantly large amounts and uncharacteristic to my bank account, $ XXXX, $ XXXX & $ XXXX, not once was I alerted by Citizens Bank of possible fraud. This women even set up auto pay on my checking account to pay her utilities and again, I was not notified. Citizens Bank says I had 30 days from the time of my bank statement to report the fraud, and they are not responsible. Even the check that was caught within the 30 day window, was not covered because they said if I caught the first check, the other checks would not have been cashed. This is outrageous and blatant abuse of power. My money should have been safe in the bank, and I believe that Citizens Bank was negligent in their fraud protection. I have made several requests to be reimbursed, but I am being ignored. 
I think the banks should have far more responsibility than sending out a statement. 
BTW, my statements were taken by this thieving cleaner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: MI

Complaint narrative:
This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to XXXX, transunion and XXXX   disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.

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 2018-12-11 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: MI

Complaint narrative:
This is my third compliant to you. You have not resolved the original issue I had with the credit reporting agencies. As I stated in the last two complaints, I sent 3 dispute letters to XXXX, XXXX  and equifax disputing items on my credit report. You as well as the credit reporting agency repeatedly ignored the FCRA. You as well as the credit reporting agency has not produce any documentation proving the said items belongs to me. You as well as the credit reporting agency constantly states that the furnisher has verified the said disputed items. Who is the furnisher? How did they verify? Where is the original signature page, which provides proof items belongs to me? You both have failed numerous times to produce proof of said items. I am beyond anrgy that this is still not resolved after four months. I want to see your proof, which must be the original signature page of the allege contract as required by the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
The mailing address was changed on my credit card accounts without my requesting that my address be changed. My credit car company can not explain how this change occurred. Not only was the address change on my account, but also on the accounts of other cardholders that live with me. The credit card company can not tell me when the address was changed or by whom it was changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
In XXXX of 2015, I was sent a check in my name ( which was spelt wrong ) from XXXX has a secret shopper thing. I deposited the check into my Bank of America Account and did nothing with it, it sat in there for weeks to verify it. Once it was verified they immediately reported to XXXX XXXX. I then found out it was a scam that XXXX did and usually does every year around the holiday 's. Nothing every was reported to me for a while and I went to add something to my account and set a direct deposit, the account was closed without my knowledge. I have sent over the information prior to this and info on the scam and they still think I withdrawled the money, which i never did. i will attache the statement and you can see there was no withdrawal on the account let alone any deposit made on the account. 


Link below : XXXX XXXX   XXXX Link Below : XXXX 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 2018-12-11 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I am unable to access all my accounts ; savings and credit card. They locked my accounts without informing what the issue was. I called the customer service a few times and directed me to the security team department, but to my surprise, the Dept is only open M-F XXXX  to XXXX.I spent HOURS to call the security team department, while at work, with NO luck. Finally, I had to give up and so I called the customer service number again and requested to talk to the Manager but AGAIN, they told me that I had to talk to Security dept since that the dept the only one with access to unlock my account, not even their manager.  They also said that the sec dept had very high call volumes and the wait is long and to try calling them early morning. So, the next day, which is today, I called them exactly at XXXX ET and waited for 1 hour without no one still answering the phone. Its been over a week and I still dont have the access to my account! Me too, as other people stated with the same exact issue, concerned about the possibility of fraud and my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: VA

Complaint narrative:
I received a phone call from XXXX  XXXX XXXX in XXXX GA on XX/XX/18 regarding an amount they say that I owed to hsbc bank, the individual had information such as the last 4 digits of my ssn, past addresses, current address, names of relatives, marital status, cars Ive owned, employer and other information. Every time I would ask them to send documentation proving that I owed this debt and to prove this is not a scam he would remind me what information they have and threaten to come to my job or home. He said that I have a legal suit against me by hsbc and that they will take action if I do not pay. The information sounded convincing so I set up a payment arrangement to pay the debt. After the fact I XXXX the company and the address, the address belongs to XXXX mail store. No website or anything. I also do not have any record of owing hsbc. I saw hundreds of complaints just like mine. I contacted my bank for information about the transaction and it appears the money that I authorized them to draft went to a XXXX account???? What legit debt collector receives money through a XXXX acct? I have stop the payments that have been drafted until there is absolute proof that I owe this debt, itemized statement and something stating this is a legit company that is licensed to collect for this debt

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I first applied for a modification when I became ill with XXXX loss of income my mortgage payments went up my income for XXXX at the time were {$1400.00} amonth my mortgage payments went up after modification to {$1200.00} at that time I reached out to us bank mortgage because the reason ffor me applying for a modification on XX/XX/XXXX was cause I couldn't afford my first mortgage payments when I bought myy home in XXXX  it was {$150000.00} which is now worth $ XXXX long story short I was toold to reapply well I did again and I wanted to sale my home since I couldn't afford it bbby being XXXX and very ill my health steady declining in XXXX XXXX I received a notice from us bank home mortgage saying that my loss modification pack was facially complete on XXXX XXXX on the XXXX an appraisal was done for a property valuation an completed on XXXX XXXX I received the results for that for my reference it was for my review they said but it was really to steal my home after they found out what it was worth an its worth that because of the area and money I have invested in it which is alittle over {$110000.00} in equity I feel so scared upset worried to the point I also have XXXX  XXXX just was hospitalized for from the stress of filing a claim with my home issuance company for windstorm damages and paying a {$2000.00} deductible and {$2100.00} in mold removal that was making me sicker due to us bank and the insurance company taking their time then plumbing issues had to come out of pocket for that sewer issues and to come to find out after repairs were completed on XXXX XXXX someone shows up to my home the day before XXXX giving me a notice to vacate my home by XXXX XXXX no proper notices phone calls or emails had me waiting on the next step in the loss mitigation talk to my relationship manager at us bank home mortgage they hadn't to her anything either last I heard from XXXX ext # XXXX they were all going into a meeting 2weeks ago to figure out how did the foreclosure happened while I was in los mitigation that they had to pull records emails phone calls etc now I can't reach her can You please help me im being harassed by someone on my property everyday saying their from us bank and now a letter saying there of eviction within the next 4 days the is urgent help me its winter cold outside I have no more money left nowhere to go no family to live with im devastated terrified don't know what to do next. I feel us bank stole my property and I am losing everything while they make double on money on my home. thank you for your time

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 2018-12-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I paid my credit card bill on XX/XX/XXXX I paid chase bank {$210.00}. On XX/XX/XXXX Chase bank charged me a late fee of {$37.00}. The person I talked to said I was late and that there was nothing they could do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I have several private student loans with this company. The repayment is very high, but I have made all efforts to best accomodate this loan including communicating often with the servicer, navient. I have not been able to recieve much assistance and have been spoken to brasenly several times about my inability to pay. I don't feel like all of my options were provided nor was I given an option that wouls help me accomodate my debt. My interest rates have nearly trippled on these loans, sinking more into a hole than when I started. They also took liberties with my co-signers credit reports and sent derogatory comments that were false in nature. Once identified, they were contacted and refused to resend the comments thus negatively affecting their credit scores. This was the most appaling part. After all I attempted to resolve my loans. Paying more and more to accomodate this company, and it has a negative affect on the people that believed in my education.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: SC

Complaint narrative:
Hello, This complaint is on Navient. I have been trying to work with them. I lost my job in XXXX and was unemployed for 4 months. Upon calling them they wanted to run a credit check which makes absolutely no sense for them to need to check that to prove i was unemployed. They never really give any form of leeway to people that are trying to give them something!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 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: CO

Complaint narrative:
I filed bankruptcy in XX/XX/2010 its been discharged. Its been over 8 years and XXXX XXXX, TransUnion, XXXX, and the other credit reporting agencies refuse to remove it. I contacted TransUnion and XXXX via internet and phone. Today, I spoke to a person at TransUnion who stated they do not have to remove the bankruptcy, EVER! She also stated that if I was to hire XXXX XXXX XXXX which specializes in credit repair then the deregulatory items on my report would be fixed. I feel that I'm being blackmailed!!! Hire XXXX XXXX XXXX or I will have a bad credit report forever ... I'm wondering if XXXX XXXX XXXX and the credit reporting agencies have come to some kind of financial agreement?! 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX 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 2018-12-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
The entire debt was settled back in XXXX of 2018 over the phone. They will not stop calling me and sending mail to my home. THIS NEEDS TO STOP NOW.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: FL

Complaint narrative:
SINCE XXXX I HAVE BEEN IN AN UPSIDE DOWN LOAN WITH AGGRESSIVENESS AND THREATS. 
I BEEN TRANSFERRED FROM XXXX XXXX. XXXX WHICH I HAD ON WHICH I HAD ONE PAYMENT LEFT OF {$640.00} IN XXXX OF XXXX. WITH XXXX. I ENTER INTO A LOAN OF {$67000.00} XXXX  PAID THE LAST PAYMT TO XXXX OUT OF THE {$67000.00} I BORROWED. IN XXXX XXXX XXXX  SENT ME PAPERS SAYING I OWED THEM {$240000.00}. I IMPLIED WITH THEM AS TO HOW THIS FIGURE CAME UP. MY ORIGINAL HOME BURNED TO THE GROUND ON THE NIGHT OF XX/XX/XXXX LASTING PAST 12 MIGHT FOR THE FIRE DEPT TO EXTHINGISH SO THE FIRE REPORT READ XX/XX/XXXX. MY FIRE INS CO. ( XXXX XXXX XXXX XXXX XXXX ) PAID ME ABOVE {$600000.00} TO REBUILD AND REPLACE A HOME ON MY PROPERTY LOCATED AT XXXX XXXX XXXX ( PREVIOUSLY XXXX XXXX XXXX ) I QUESTIONED XXXX AS TO HOW THEY ARRIVED AT THE {$240000.00} SUM. I DID NOT BORROW THAT AMOUNT OF MONEY. I USED THE MONEY FROM XXXX XXXX XXXX XXXX XXXX TO REBUILD AND REFURNISH THE NEW HOME. WHICH APPRAISED AT {$310000.00} SINCE I HAVE XXXX XXXX, XXXX XXXX. MY PAYMENTS JUMPED FROM {$780.00} TO {$1800.00} PER MONTH. THE HOUSE PASSED INTO THE HANDS OF XXXX XXXX AT {$1400.00}. THE LOAN THEN WENT INTO THE HANDS OF PRESENT FAY SERVICING LLC XXXX, XXXX, TX XXXX. I ASKED THEM FOR A MODIFICATION AND IT WENT TO {$1100.00}. THE I ASKED FOR A SECOND MODIFICATION UNDER XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, CA XXXX. FAY SERVICING LLC DID NOT DO A MOD, BUT INSTEAD DID REPAYMENT PLAN TO PAY {$2500.00} /NOW {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diversified Consultants, Inc.
State: IL

Complaint narrative:
Early XXXX I was looking over my credit report when I saw an unidentified inquiry of {$290.00} that came from the Diversified Consultants Inc. When I look further into it was stated that the original lendor came from XXXX ; The collection agency stating that I had never fulfilled a past due balance with XXXX. However I knew that the what they were informing me of was false because early 2018 I switched my current plan over with XXXX to a pre-paid plain with XXXX. I wouldn't be able to switch over my current plan to a pre-paid plain with XXXX if I had such an outstanding balance with XXXX. I requested that this collection agency to provide me with proof of the original contract of me being obligated to pay such a balance and they failed to provide me with proof. When I spoke with one of the representatives from the collection agency his exact words were " we do not have to provide you with proof you would have to speak with XXXX to get access to about obtaining that information ''. Shortly after I spoke with him I filed indentity theft report with the Federal Trade Commission, I filed a police report at the XXXX police department where I spoke with officer XXXX badge # XXXX police report # XXXX, and I also mailed a general affidavit for them to provide me with an original copy of the contract which they still failed to provide me with the info I requested. which if I'm not mistaking goes against the fair credit reporting, Section 609 ( a ) ( 1 ) ( A ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
On XX/XX/18 XXXX and XXXX XXXX received a phone call from a representative of a collection agent stating I XXXX XXXX am 18 months behind in payments therefore they must collect {$20000.00} from Mr and Mrs XXXX immediately. I have not received any correspondence from any company. Upon calling the number provided to me by my parents of XXXX I immediately got a voicemail stating I had reached Transworld Systems Inc. the voicemail requested acct number, name and social security number. The representative who called my parents threatened to continue calling them until they receive the full amount via wire transfer. The rep was advised of medical concerns of the elderly parents and they stated they would continue to call. I do not know who they are representing or what is owed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
On XX/XX/2018 I submitted a dispute to all 3 major Credit Bureaus Agencies in regards to identity theft. I have yet to have any disputes resolve or any feed back regarding this matter and its been well over 60 days.

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 2018-12-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: American Coradius International LLC
State: FL

Complaint narrative:
An account was opened in my name approximately XX/XX/2018 through XXXX XXXX. utilizing my name, social security number, birth date and my home address and was immediately charged up to $ XXXX.I was  not aware until I received a a collection notice from XXXX in XX/XX/2018 demanding a settlement.I called XXXX XXXX . to question the account and reported a case of stolen identity. They provided me a case # and suggested I contact the credit bureaus to establish report of Identity Theft. I have done so. I also sent a dispute letter to XXXX on XX/XX/2018 requesting that they provide me the details of their findings and confirmation that I have been relieved of this debt. To date I have received a call from the debt collector they have hired approximately 30 days after I had sent this request and have not received any confirmation of the above.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
Experian : XX/XX/2018 XXXX to XXXX XXXX. Tried to place a report freeze on line and received message that I have to mail specific items. I then created an account and Logged in, then called three different customer service ( sic. ) numbers which clearly connected to the same malfunctioning automated attendant which interrupted instructions with, " Sorry, I didn't get that '' at least three times, then finally asked for my S.S. number and once my SS and zip. I entered that and immediately received, " sorry ; we can not process your request via the phone. go to experian.com '' for assistance. I then attempted to call their U.S headquarters in both CA and IL. to alert them their automated attendant was malfunctioning. CA phone simply rang busy. IL location requested S.S. number and Zip, then offered two option : Fraud assistance or order cr. report. Again informed me they could not : '' get that '' when I attempted to respond to the auto attendant and hung up. They clearly won't talk with consumers and should be put out of business since I never gave them permission to keep track of my financial history.

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