vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BB&T CORPORATION
State: GA

Complaint narrative:
My complaint is against the Escrow Department with BB & T Mortgage. I have tried numerous times to resolve this issue. I have Paid my mortgage payment on for over 15 year, even through a bankruptcy. My home value in XXXX XXXX Georgia is XXXX or more according to XXXX XXXX assessors office. I pay taxes on a home valued at XXXX. But BB & T bank is valuing my home at XXXX for the last 9 years with no increase in value. I pay my taxes and insurance payments out of my own pocket not from Escrow. this past year. .How would any person feel paying property taxes on a property that the bank is saying is worth half of what I 'm paying taxes on ... .Enough is Enough BE Fair

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 2017-09-23 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: AZ

Complaint narrative:
I 'm a co-signer on the XXXX private loan, sold to navient ans several other company contact or locator service. I did try to get my interest rated reduced as I 'm currently on retired on fixed income, SSA. 
The loan was for XXXX XXXX and I 'm the co-signer. 
I would request a interest reduction to allow me the possibility get this loan paid off. 
Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: NJ

Complaint narrative:
Collection agency attempting to collect on an alleged debt without first providing written verification proof of alleged debt. In fact, I have proof that this same agency deleted this collection entry from my XXXX credit report on or about XX/X/16 after I filed a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Diversified Consultants, Inc.
State: FL

Complaint narrative:
I have repeatedly tried to solve this problem in my own. A XXXX balance continues to be reported to XXXX and XXXX. It was disputed many times. Diversified Consultants says they have submitted updates to XXXX and XXXX that the account has been paid in full. XXXX and XXXX continues report that they have verified XXXX as the correct balance when it is n't.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have received and continue to receive credit card accounts opened in my name without my authorization through Synchrony Bank. I have called Synchrony Bank a few times in the past to report the fraud yet continue to see new accounts opened up fraudulently with Synchrony.

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 2017-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/2017, I requested from XXXX a cash advance of {$5000.00} in response to a promotion. The cash advance was to go to my XXXX card. I realized right after I submitted it that I had a typo in the address for XXXX. I immediately called the customer service number for XXXX and explained my error. The representative said she would cancel the transfer. I asked if I should go ahead and submit the balance transfer again and was told, yes, I should submit another transfer. On XX/XX/2017, XXXX sent me a letter telling me that they received my request cancel the balance transfer, but payment can not be stopped because the amount had already been paid and transferred to XXXX. In addition, a second balance transfer for {$5000.00} was completed and paid to XXXX. This contradicts the instructions I was given when I called customer service. I would never have submitted the request a second time if I had not been told that the first one would be canceled. Now, instead of owing XXXX {$5000.00}, I owe them {$10000.00}. I called XXXX  again on XX/XX/2017, and was told there is nothing they can do and that I need to have XXXX refund the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: EQUIFAX, INC.
State: CA

Complaint narrative:
On XXXX XXXX I contacted Equifax to place a 90 day credit freeze on my account. I have the confirmation email from them stating that a 90 day freeze was successfully placed. 

Today I received notice from XXXX that a new account was created in my name. I did not create this account. In fact, it should not have been possible for the account to be created because there should have been a freeze on my account. So I went to Equifax 's website via TrustedID and found that, in fact, there was no freeze on my account. I was also able to verify that XXXX made the credit inquiry into my account on XXXX. 

As a result of Equifax 's failure to deliver the promised 90 day freeze on my account on XXXX, my identity was able to be stolen on XXXX and used to fraudulently create a mobile account in my name. 

I attempted to contact Equifax 's customer service, but the first number I called ( XXXX ) XXXX was purely an automated system and could not connect me to an agent or representative. And the second number I called ( XXXX ) XXXX was busy all three times I called it. 

I did attempt to place another credit freeze on my account *today* using their automated service, but as this complain explains, I have no faith that this actually occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX I attempted to obtain my free annual credit report from Equifax. The company responded that it was not able to deliver my report online. The exact same thing happened the last several times I attempted to retrieve my Equifax credit report. In XX/XX/XXXX I provided the company with the requested identity documents by mail and did subsequently receive the report. The online questionnaire was completed correctly in all instances, and the company has never provided me with any explanation as to why it refused my online request. I have attempted to contact the company by phone but could only reach automated responses. I have not had any problems with online access from the other two reporting companies, only Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I received a statement from Chase XXXX Mileageplus credit card for an annual fee of {$95.00} for a credit card ( account number XXXX XXXX XXXX XXXX ) that I had not applied for. On XXXX, I called Chase customer service and was informed that an application for the credit card had been received. I informed them I had not applied for this account, which apparently had been opened in XXXX, and they closed the account, which had seen no activity, and later waived the annual fee. I was told that all records related to this account would be sent to me, but to date, I have not received the application or any other documents related to opening this account. Knowing the recent XXXX XXXX scandal regarding the opening of unauthorized accounts, I am suspicious that Chase may have been doing the same thing. I am writing to make you aware of this incident in case others have also been victimized in this way. 

I filed reports with the FTC and my local police department and notified all 3 credit monitoring agencies about the fraudulent card. I then placed security freezes with all 3 credit monitoring agencies, and extended the freeze earlier this month. According to the Virginia Attorney General 's Office, I have the right to obtain documents relating to fraudulent transactions or accounts opened using your personal information. I sent a follow-up letter on XXXX XXXX, to Chase again requesting any records and have received nothing from them. 

I am concerned that Chase may have initiated this fraudulent account in that the account was opened with my correct home address, which seems odd if someone were trying to steal my identity. Also odd is that no transactions were made, even though it was a month before I discovered the fraudulent account. Please note that I do not and have never had a credit card with Chase.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I was offered a XXXX XXXX " Gold ' Credit Card back in XXXX of XXXX. As a part of the promotion, XXXX was to issue 60 thousand bonus miles after I spent {$1500.00} ( within 3 months of issuance. ) I have met all requirements on the month of XXXX. While I expected bonus miles to be credited to my account at the end of XXXX, XXXX representative whom I have spoken notified me that it usually takes 4 to 6 weeks. So I waited until the end of XXXX and reached back at XXXX as I have not received it. I was told to wait another 4 weeks. After not seeing the bonus miles in my XXXX statement, I reached out to XXXX once again, only to be told that there is a technical issue and I must wait 6 more weeks. On XXXX XXXX, I was " in writing '' informed that bonus miles would hit my account as of XX/XX/XXXX. And once again I have not received them. So I called on XX/XX/XXXX, where I was told by the rep. that she was manually overriding the system and I would have my miles within 24 hours, as well as an additional 2 thousand for my troubles. 
And of course I once again did not receive them so I reached back and I was told to wait for 2 weeks!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: SECURITY FINANCE CORP
State: LA

Complaint narrative:
I have taken out one loan with security finance and it 's paid off which was 7 years ago probally around 2009. I 'm seeing new loans from as recent as 3 years ago with with them with different amounts borrowed that I did n't make myself. Seems someone used my information to create new accounts with out my knowledge because I never got any mail from them since my first and only loan I did myself.

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 2017-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ProCollect, Inc.
State: NJ

Complaint narrative:
On XXXX/XXXX/XXXX both my son and I were contacted on our cell phones with a message left by Pro Collect, Inc. On the same day, we returned the call and were advised that they were collecting {$50.00} for an unpaid charge from XXXX XXXX in XXXX , SC ( an apartment complex where my son had lived and moved at the end of his lease on XXXX/XXXX/XXXX ). I explained to the Pro Collect representative that the charge was in dispute because the touch up paint work ( which is what the {$50.00} related to ) had not been done. Pro Collect would not note the file as in dispute on " refusal to pay '' and threatened a " hit '' and " ding '' on my credit report as well as my son 's if payment was not received by XXXX/XXXX/XXXX. This was only 3 days from the date of contact. Asked for something in writing - was told that would take 5-7 days but I still had to pay within the 3 days. Pro Collect would not fax nor email the requested written information. Pro Collect representative said " well we mailed a letter and must have been sent to a wrong address ''. But the representative could not verify to me what address the letter had purportedly been sent. I have been in touch with the apartment complex to sort this out, but so far have not been in receipt of any substantive information. Only been getting the run around here to. I have had to pay the {$50.00} plus {$7.00} collection fee via credit card today via Pro Collect website because of fear of credit reporting issues. I am appalled at the extortion that this company uses to collect funds. They refuse to work with you even when you are above board and NOT avoiding the calls or issue at hand. All I wanted is for Pro Collect to annotate the file as disputed to enable me to again follow up with the original credit for resolution of the issue.

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 2017-09-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We arranged a settlement with a mortgage company through Senator XXXX XXXX and the CFPB. It was approved by a court. We did what we were supposed to do and so did the mortgage company. We received our payment in two checks and immediately deposited them through our mobile app for CITIZENS BANK. The money showed as a partial availability of {$400.00} for the two checks on Monday. The remainder would n't be available for another day. This is what we were expecting. Based on that, we made arrangements for part of the partial availability money to be paid out come Monday. The next day, Citizens Bank changed their minds and wo n't make any money available to us until XXXX XXXX. The teller that I spoke to only said they needed to verify they were going to actually get money. She said I was getting none of my money next week. She refused to put me in touch with her supervisors because it was the weekend and would " inconvenience '' them. She said she did not care that I have no food, medications, or other necessities to live without that money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: TX

Complaint narrative:
Transunion took inquries off my report and them added them back with more inquires I did not authorize. I have contacted transunion multiple times to fix this issue and nothing has come of it. They are inquires from XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, 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 2017-09-23 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: Early Warning Services, LLC
State: CT

Complaint narrative:
It happened on XXXX/XXXX/2014. Someone gave me 2 {$200.00} checks to cash for him. I did then i realized my account was deactivated so I called my back. I recorded a claim for fraud and called the police. They did a police report and have a warrant or for the guys arrest. I sent it to the fraud department with the warrant and a letter but they declind my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Genesis Lending
State: GA

Complaint narrative:
Loan was sold to another company that is reporting negatively on my report been trying to find out if my loan is part of the class action settlement I only get a recording

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 2017-09-23 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: Tulsa Adjustment Bureau
State: TX

Complaint narrative:
I paid the bill.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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:
My GM credit card showed {$49.00} on XX/XX/XXXX to pay XXXX member ship payment for my husband, he never gave permission to XXXX insurance company to charge his credit card. I gave permission for them to charge my member ship several years ago and my GM card was changed several times. I called GM card credit company which is capital one, they won, t dispute the charge so I went to XXXX insurance co.office in XXXX and told them not to charge to my credit card any more and told them I will pay with my checking account, .they told me that it is already charged so we will take off for automatic charge and the clerk took off automatic charge. The membership due was XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I filed a complaint with you several days ago, got one call from Suntrust and have received nothing since. All I was told was a reference number and somebody would contact me from them. That has not happened.

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 2017-09-23 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I contacted this company a year ago and stated I could not mail in payments. I needed to keep a checking account or credit card on file. I do n't want to do that because I will not make the payments on the same day. They stated they could n't help me if I did n't leave that information on file to withdraw automatically. I asked why there were so many fees added after I contacted them that I could n't pay them and they said they can charge up to a year after I contact them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
I called Equifax regarding a few things on my credit report that were n't authorized upon doing so I was asked to verify several information I did so and was told my date of birth was incorrect the birth year they have for me is XXXX I was born XXXX XXXX XXXX I then asked the rep for the information to upload my drivers license and social security card she refused to provide that information there are things such as personal information that was incorrect and also inquires listed that I did not authorized. I also have a fraud alert on my account because my wallet was lost. Then once the breach hit and I found out I was affected by it all of a sudden all of these things are listed. There is even an account on my report from XXXX I was n't even born in XXXX I will attach that as well

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In XXXX of this year, I applied for refinancing with CitiBank/CitiMortgage on behalf of my father. We were approved in principal for the loan XXXX credit approved etc. ) and paid the applicable fees of over {$500.00} for the assessment etc. 

I confirmed with Citi on numerous occasions that my father 's input would NOT be necessary until closing. In fact, despite my power of attorney for my father 's accounts, I was told it would be better to wait until closing for his authorization in person. 

Regardless, during XXXX Citi 's underwriters attempted to contact my father via phone to confirm authorization. My father is elderly and hard of hearing and usually does not answer the phone. Rather than communicate with my loan officer at Citi or myself, Citi initiated investigations of fraud via both XXXX County Adult Protective Services and the local police department. 

Despite the fact that both agencies performed full investigations and cleared me of any wrongdoing, I was then denied credit for the following reasons : XXXX Unable to confirm identity * Unable to verify residence or occupancy Even though BOTH were verified by the investigating agencies. Both investigating agencies communicated to me personally that this never should have happened. 

Within the last month I secured the refinancing through a different lender, with ZERO problems.

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