vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-28 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I purchased this home in 1997 at XXXX per month how come I still owe on it is what Im wondering Im already out XXXX dollars and they still say I owe XXXX.. idk what to do about this even with an 11 percent interest rate it should have been paid off by 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 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I signed up for XXXX XXXX ( XXXX  ), an XXXX/phone provider, around XX/XX/XXXX. Though I only provided them with the last 4 digits of my SSN and never the full number, I learned later that they made a hard credit inquiry with Equifax. XXXX rarely if ever do credit checks so I went back to the signup form to see if I missed a warning that a credit inquiry would be made and I sure did find one on the right edge of the screen, not part of the signup form and written in vague language. I called them less than 24 hours from order time and demanded that they cancel it and ask the credit bureau to remove the inquiry but they refused stating that this is what they've always done. 

XXXX recently has changed their signup form on their website to explicitly include a warning of a credit check in the middle of the form. Obviously, something was broken and the fixed. The credit inquiry, however, still exists on my record.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have contacted TransUnion more than one time vs certified mail and have also called. 
Disputing and requesting that I personal information and name be updated and all those address and names that do not belong to me be deleted, and they refuse to comply with my request and Federal Law. I have mailed notarize letter with photo of my driver licence and social security card showing them what name is and how it is spelled, and still no change. Just as of XX/XX/XXXX I was mailed a letter with the name XXXX XXXX XXXX, which is not my name my name is XXXX ( XXXX ) XXXX my address is XXXX XXXX XXXX XXXX XXXX XXXX, South Carolina XXXX. Nor have they remove all of those addresses that are not my address and the employment that is on there as well. This making me give further verification to whom I apply with for credit because I have all these different names and address and employer on my credit report. 
The following is inaccurate and need to be deleted : XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX, SC XXXX employment that needs to be delete XXXX, XXXX  Please remove all inaccurate information and update my credit profile as to the following information is accurate : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX Medical Compliance 's Officer They also have never send me the proof that they investigate my dispute I have requested twice and they keep telling me it has been verified and accurate and the other disputed just have Not Specified Account # :XXXX**** Account # :XXXX**** They have yet to proved me with proof of an investigation and any reporting documents that this is my debt and reporting accurately

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 2019-09-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00}. 95 XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$300.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$200.00} XX/XX/XXXX- {$1.00} BANK FEE XX/XX/XXXX- {$22.00} XX/XX/XXXX- {$1.00} BANK FEE TOTAL= {$2500.00} I spoke with XXXX at Bank of America on XX/XX/XXXX to dispute the transactions and faxed paperwork of proof to fax number XXXX ; this is my XXXX account so I never look at it unless I have to and I never received any notifications from the bank stating that there was weird activity going on. A letter was sent from the bank to an unknown address with the results of my dispute, since I have never lived there before I did not know what the status was ; at that point I was already dealing with my brother getting severely ill. On XX/XX/XXXX I re faxed all paperwork to the above number since I had yet to hear a response from the bank. The bank states that since time has passed there is nothing they can do, but this is my money and way more than I can just give up on and I never received a letter if not I wouldve continued to fight it.

In the attachments you will see an XXXX summary on the transactions, steps taken, cards used, and address the letter was sent to. There are also a few statements to show that money was taken out, and it shows how often I actually use it and view it ( other transactions not included above are mine ). Finally, the locations that the transactions were made ; there are multiple XXXX XXXX ATMs along with views of the remainder balances. These transactions were made in XXXX XXXX while I was in my city of XXXX XXXX, proof of me being in XXXX XXXX is also included in the attachments ( my work log ins and emails ). The transactions themselves look fraudulent, the person checked balances and took the same amount every day at different ATMs.

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 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I first opened and deposited my funds according to terms and conditions required to receive the signup bonus on XX/XX/2019. 
After waiting the allotted 90 day period with my money in the acct, I reached out to see when I will receive the bonus. It was after the 3 months plus 4 months to receive. Then I reached out to the bank again and I have message records of this. The rep talked to the team lead manager and wrote back promising to deposit the funds after another 4  weeks starting from XX/XX/XXXX since the past terms and conditions. I waited again and now it is almost XXXX. I reached out again on XX/XX/XXXX reminding them that the 4 weeks is over and still nothing. They replied back asking me to wait 5 to 7 days and then again for 2 weeks. I am tired of waiting. This is obviously a scheme to keep money for as long as they want without giving back interest accrued. Their advertisement is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
Re : Previous complaint XXXX This bank BB & T still has not resolved this complaint although you let them close the matter without a proper explanation. They still have not transfered my ira to the other bank. This deliberate delay has cost me over {$200.00} in lost interest plus the difference in the rate at the new bank which has been lowered during this fiasco. Please help in this matter. BBT already has over 5000 matches in your data base.

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 2019-09-28 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: CITIBANK, N.A.
State: WI

Complaint narrative:
My husband, an authorized user on my Costco Citi Visa card, was unable to use his card when he went to Costco. I logged on to the Citi online portal to see what was going on, and I noticed that I had missed a payment. I rely on US mail statements for record keeping and accounting purposes and as prompts to pay my bills. When I went through my old paper statements, I realized that I had not received a statement from them in 3 months! When I called Citi, they stated that I had opted in to receive electronic statements because I registered for online access. When I looked at my online portal with Citi, it stated that I was receiving statements by US mail. I know that I did not opt-in to receive electronic statements. The representative that I worked with over the phone, XXXX, thankfully claimed to waive interest and fees if I made a payment on my account over the phone. He did not investigate why I was only receiving electronic statements and not US mail paper statements even though my online portal states that I am receiving US mail statements. He also would not answer questions about when Citi reports late payments to credit bureaus. He said that he could not provide that information because he is not a licensed credit agent.

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 2019-09-28 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: CITIBANK, N.A.
State: IA

Complaint narrative:
XX/XX/XXXX my credit report says I applied for some personal loan with Citi financial. I never did this I called company and they referred me to you guys. I left a message with you on XX/XX/XXXX. It made a hard inquiry on my credit report I have not had hard hit since XX/XX/XXXX. I want it removed or will take further action. I will wait for your response. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I researched further on the Wells Fargo Auto that I still pay to on my truck. The credit report shows that Wells Fargo has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to Wells Fargo. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, Wells Fargo Auto said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! Wells Fargo has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on Wells Fargo because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on Wells Fargo. They know I am deaf. I believe they took advantage thinking I would not investigate this further. Thanks to XXXX that shows Wells Fargo has a negative mark. 

I complained to you about Wells Fargo yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on Wells Fargo so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on Wells Fargo and penalize them!

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 2019-09-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
A requeat was made to change the billing date on the account, it was not done. The payments were set to autopay on the wrong date. The acount was closed to purcahses. The account went delinquent due to 2 billing errors processing on the wrong date. A request was made to ammend the problem caused by this issue caused by their company. They refused to assist.

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 2019-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express only approves me for cards with a really high annual fees. They are trying to extort me for their annual fees. When I apply for a card with No annual fee they immediately decline me for the same reasons that they approved me for. I had over ten American Express cards in the past 5  years. My credit wasn't as good when they approved me for the cards previously. FICO score was XXXX when they approved me for several cards with the same info on my XXXX credit report. My FICO score is currently XXXX with same factors on my report.. And they are declining me. Most recently got declined for a Amex Cash magnet card. The cards American Express has approved me for in the recent years when my FICO score was XXXX are as follows. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Amex. XX/XX/XXXX Approved for a Platinum. XX/XX/XXXX Approved for a XXXX XXXX. XX/XX/XXXX Approved for an Everyday Card. XX/XX/XXXX Approved for a Green Card.  XX/XX/XXXX Approved for a Gold Card. XX/XX/XXXX Approved for a XXXX XXXX Card. XX/XX/XXXX Approved for a Platinum Card. There is a trend of American Express only approving me for cards with annual fees. When I got approved for all these American Express cards my FICO score was XXXX with the exact same report on today. Only today my FICO is XXXX according to the Bureau American  Express pulls XXXX FICO score base XXXX. If American Express doesn't resolve this issue with me I will file a lawsuit against them. They only seem to listen to LEGAL action. I spoke to an American Express rep on XX/XX/XXXX and the rep understood the concern and offered me to reverse the {$250.00} annual fee on my current Gold American Express card. The only reason American Express offered to do that is because what they are doing to me is wrong. Please look into this while I start my legal claim. I have already consulted and hired an attorney who handles issues like this.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
the following is XXXX, so I am filing tort action claim, against Capital One and XXXX   XXXX  XXXX for holding on to both my XXXX and XXXX savings accounts and freezing my checking account, so every check that bounces and does not clear, will add up the fraud and damages, so right now, it's a small claims case, but will sure to go up to civil limited between 10K and 20K accordingly. 




XXXX Wed XX/XX/2019 XXXX XXXX You XXXX, We noticed unusual activity on your account ending in XXXX. For your protection, were restricting your Capital One Bank account ( s ) until we verify some recent activity. A restricted account may prevent you from withdrawing money or completing pending transactions, though you can still deposit money. 

Please call us at XXXX as soon as possible so we can verify this recent activity. We're available Monday through Friday, XXXX XXXX to XXXX XXXX and Saturday XXXX XXXX to XXXX XXXX 

We used info from a credit-reporting agency that - in whole or in part - influenced our decision. The consumer-reporting agency didn't make our decision. For questions about your credit report or supporting info, contact the agency directly at : XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a checking account online on XX/XX/2019 with the requested {$50.00} opening deposit. I linked my checking account to the new Chase checking account and transferred {$1400.00} into Chase on XX/XX/2019. Chase closed my account with no warning and no reason on XX/XX/2019. I called many times and was always told that I would receive documents and a check with my funds in the mail. I went to see a branch on XX/XX/2019 and he said a check was issued and will arrive no later than XX/XX/2019. It is now XX/XX/2019, I have been lied to for over 2 months and Chase still has not released my funds back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC
State: TN

Complaint narrative:
By far the worst experience I ever had with any financial company. This company is scam and should be shut down! 
This company is violating the laws ( UDAAP ) and needs to be held accountable. 
My story : Unfortunately I foreclosed on my home in 2018 and received a debt cancelation documentation from my lander at the time ( XXXX ). I ended up taking a huge loss and paying almost 30k to IRS to cover this free money that was forgiven by lander. 

This other company started contacting me recently via mail ( LoanCare ) stating that they are my lander now!?!?!?!?! How can they be my lander if I dont even have an open loan ( with them or anyone else ). 
I contacted them attempting to clarify and resolve this mix up. I was already upset and wasnt very nice to several reps/managers who were asking me ridiculous questions and not willing to help in any way. Only thing I was asking is to be removed from their mail list and for them to stop contacting me about the loan I no longer own. 

Well, someone from this company decided to retaliate and reported a new open loan with 24 no/late payments to the credit agencies.

My credit score went down 150 point for the loan that I dont even have!? 


After several hours on the phone, I spoke to two different supervisor and no one could tell me what in the world is happening. They both ensured me this will be handled with urgency and this remarks will be removed from my credit report. 
Well, 2 weeks later nothing was changed. 

Just spoke to another rep from this company who refused to transfer me to one of the supervisors, was extremely rude and obnoxious and ended up transferring me to no one ( hanged up on me ). 

This is completely unacceptable and I'm counting on CFPB to assist me resolve this situation and quickly. 
I did some research on this company and couldn't find a single positive review from any of their customers. 
Please contact me if you require more information.

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 2019-09-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I researched further on the XXXX XXXX XXXX that I still pay to on my truck. The credit report shows that XXXX XXXX has a negative mark on mine so that was how I decided to research. I have learned that I still owe them {$4700.00}. 

I decided to call XXXX XXXX XXXX who I first made payments to before it was transferred to XXXX XXXX. The total of the truck worth was actual {$30.00}. However, I paid for over 5 years which is from XXXX, XXXX to XXXX, XXXX which brings to over {$31000.00} but I also recently paid from XXXX, XXXX to XXXX, XXXX so that is total of {$3100.00}. I already paid {$31000.00} AND total of {$3100.00}, so in together on two amounts, I paid over {$34000.00} AND XXXX XXXX XXXX did not report to you ... I paid to XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX, which I believe is over {$7600.00} because with XXXX XXXX XXXX was first I paid to ... about {$540.00} per month. {$7600.00} was paid to XXXX XXXX XXXX. It is the total of {$42000.00}. So {$42000.00} was already paid!! And too much!!! My truck should be paid off a long time ago. 

However, XXXX XXXX XXXX said I owe them more, that is the amount of {$4700.00}!! What?! If so, it would be {$47000.00} later on! The real price was {$30.00} when I first bought it! XXXX XXXX has ripped me off big time. I did call XXXX XXXX XXXX to find out why they did not report to 3 credit bureaus since XXXX XXXX XXXX is missing on all. However, the problem falls on XXXX XXXX because agreement was on 6 % or 8 %. It is still too high ... I would pay over {$17000.00} MORE! I ask you to investigate on XXXX XXXX. They know I am XXXX. I believe they took advantage thinking I would not investigate this further. Thanks to Experian that shows XXXX XXXX has a negative mark. 

I complained to you about XXXX XXXX yesterday for the wrong info on late payments in XXXX, and XX/XX/XXXX and it was first. I sent them the letter of going to be late and promised them that I would pay FULL AMOUNT and I did. They did not put me in a good standing. So with that information, I dug further on XXXX XXXX so that was when I realize I have paid too much on my truck already and it should be paid off. Please investigate on XXXX XXXX and penalize them!

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