vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
My Bank of America card was used taken and used without my knowledge to create unauthorized and fraudulent charges on my account. I did not give anyone permission to do any of the fraudulent transaction. When I discovered the fraudulency, I immediately notified Bank of America. I stated there were fraudulent transactions on my account and the BOA Fraud Rep filed my claim and told me a credit would be made as well as the card would be canceled, and I would need to return the sent documents from them. I then went to the Police and filed an ID Theft police report as directed and a ID Theft Federal Trade Commission 's ID Theft Affidavit. I sent these documents via USPS Certified Mail with Return Receipt ( see attached ). I also went into the Bank of America branch and had the representative fax also a copy to the fraud department with the the claim number given. Bank of America credited my account for the fraud transactions and then later stated they never received any documents such as the ID Theft Police Report, therefore removed the credit from my account. This IS NOT TRUE. You will see the name of the Fraud rep I spoke with, the claim number, the police report, ID Theft affidavit, copy of the certified mail I sent which also had a return signature receipt that they did not accept and denied to sign. The USPS Certified Mail CONFIRMED Bank of America received my documents and if they are saying they did n't, then who did? I also had the documents FAXED my their own employee of BOA and BOA said they did not receive that also! Who obtained my PERSONAL and SENSITIVE information! This is a violation of my Privacy Act rights, California. I am exhausted trying to resolve this by calling them, going in person to the branch, speaking to the staff, writing them and faxing them. I need CFPB to help me resolve this issue so I can move forward and return to my account in good standing.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have sent several certified letters to XXXX, experian and XXXX multiple times asking them to verify this chapter XXXX bankruptcy information in my credit report. Each time they send me a letter stating that the BK is valid as per third party source. I then sent a letter asking as to whom they received the information, again I get a letter back stating a third party source. I then contact the court system, they tell me that they do NOt. Report anything to the CRA and nobody called them to verify any information! I want this acct removed from my reports immediately as they did not follow 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 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I have been trying to use my VA home loan since XX/XX/XXXX and Experian has been holding me back for months now by not reporting any credit information. The other XXXX credit bureaus are reporting everything I have done for years now. My first call with Experian I get told that my residence which is a XXXX bedroom rental house is labeled as a Stone fabrication ware house and that is most likely why nothing has been reporting. They also have all of my other addresses I have lived at on file so that does n't make sense why nothing has been reported for the past years? They tell me there is a form we can fill out that will " fix '' this problem. Two months have passed since we supposedly filed this form and I still have nothing reporting for Experian and this residence as a ware house label is still on my credit report. I call again and they tell me that it is not their problem and there must be something wrong with all of my credit cards not reporting and to call them. Well, they are reporting to the other XXXX bureaus so what is the problem? XXXX of the XXXX credit cards I have tell me they have been reporting to Experian for years and it is on Experian why nothing has been reported. My other credit card tells me they have an old address on file and that we can update the address which will hopefully start reporting to Experian, and still nothing is reporting. ( the old address is XXXX of my old addresses on file for Experian as well. So I am not sure why it was not reported even if it was my address before? ) Even my credit consultant does not know how to help me and has not seen anything like this before. So I have been waiting for months now for them to report or actually help and it seems like they never will. Its is always someone else 's problem and someone else needs to fix it, but why ca n't they? What can I do to fix this or maybe bypass this to continue my loan?

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 2017-03-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: MD

Complaint narrative:
I co signed on a loan that was a refinance of an existing loan of mine.  The (now retired) employee that swore to me that this was a necessary thing to do to keep the loan from going into default lured me into a deceptive loan. I have dealt with this company in the past on small loans but they assured me that taking out t his larger loan to consolidate bills was a necessity. These people make you think you are a friend and they are looking out for your best interests.  They said I needed to put this loan in my friends name (who had debts  being paid off from the loan also) because "the friend" had a job and if he lost his job the loan insurance would make the payments.  The terms and conditions they gave us were NOT what we had been promised. After having us sign the forms I realized interest rates were changed and was told it was a binding contract and nothing I could do.  The terms were for 5 years near the end of the 4th year financial problems were incurred and they said they would modify the loan. No papers were offered, no terms given they just said it would lower the payment. We were left to assume the terms were the same.  What I later found out (from logging into my information online, which I was not told was possible) I saw the loan was extended for 12 more years.  The friend got into some legal trouble last year and because of that had to move.  I called the local office and explained to them the situation and asked if they could give me any  help.  The manager told me that  he couldnt do anything and that I needed to pay or go to court.  I have paid this loan for over 9 years approximately and for the amount borrowed I have paid the original amount borrowed and much more. They take out all interest first and nothing goes toward principal. 7500 (approx) was borrowed and by the end of the estimated 11 more years they tacked on the loan close to 50k will be paid! That is more than my home cost!!! They now cant find the primary lender and are harassing me non stop. I tried to work with them in the beginning and they refused. I spent 20 years being XXXX raising a son alone and repaired my credit only for these blood suckers to ruin me over their deceptive practices.  I have no issue paying for something I borrowed but this is not only robbery but it is unethical. It seems nobody is out there monitoring these companies.  This is why they split XXXX to take the mortgage and OneMain to personal loans. Easier to steal more money from lenders who try but cant get conventional bank loans. Our protection is nowhere to be found from our government who should be monitoring these companies. I can see why they can't keep employees there long. Anyone with any conscience would not work for a company like this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
I contacted the XXXX to obtain Hard Money for a real estate deal I was working on. XXXX suggested and I agreed that he could obtain credit lines instead. As the invoice that I will attach will show, he obtained four credit lines and I was invoiced for them individually. The largest of the lines was Navy Federal Credit Union. On XX/XX/XXXX, 2016 I went to a XXXX and took a cash advance out on the account and paid the invoice due via XXXX to the XXXX as the account was open and in good standing. After that point when I contacted Navy Federal I was informed that my account was closed because I do not qualify for their services. 

My dispute is with the XXXX as they have promised a service and have not delivered yet they have already received payment and also with Navy Federal as someone within their company worked with the XXXX to open an account of which I do not qualify for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I was charged for XXXX overdraft fees for items that were not time stamped and happened to be transactions that could be charged a fee. I deposited a check via the mobile app for {$27.00} on Saturday, XX/XX/XXXX of which {$0.00} was made available ; but would be available to cover items on XX/XX/2017. Over the weekend all the transactions for debit card transactions were posted to my account along with a withdrawal that I made at an ATM for {$100.00}. Per the account statement I had an available balance to cover the {$100.00} withdrawal, but Bank of America charged me a fee. Additionally, the items that posted that were debit card transactions were not charged a fee because I do not have overdraft protection and those transactions are not allowed to incur fees per regulations. The fees that were allowed, according to Bank of America, were not " time stamped '' so that bank posted them last and charged me {$35.00} per transaction because this was a withdrawal from my account. Again, I have opted out of overdraft protection, so those transactions should have not been paid. Also, I was charged {$35.00} even though those transactions occurred prior to many other of the transactions that have already posted. The fees were incorrectly added to my account. I contacted Bank of America to explain the situation and they would not reverse any of the fees. The only fees they charged to my account were the ones they could and they did. Bank of America would not provide me with any information about when the items posted and why that these three specific transactions ( which one was an ATM withdrawal ; I would think it has a time and date when it was withdrawn ) were not time stamped and caused the account to be accessed three late fees. I wanted to clear up the balance issue right away, but was unable to because of these incorrectly assessed fees. I wonder how many other customers are getting fees charged by Bank of America because transactions are not " time stamped '' which causes an inaccurate posting of the transactions which then causes a fee to be assessed? I know in my case I was charged three fees due to inaccurate posting of the transactions, which happened to be the transactions that Bank of America can assess fees on.

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
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I began my mortgage refinance on XX/XX/XXXX with HSBC. At the time my mortgage balance was {$270000.00}. My XX/XX/XXXX payment of {$2500.00} had not factored in and so the HSBC representative initiated the refinance paperwork with the XX/XX/XXXX balance of {$270000.00}. 
The following month HSBC had XXXX service the loan. This added a third party to the process and caused delays that resulted in my interest rate of 2.94 % extended twice since the delays were not my fault. 
For the months of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX I made 4 payments of {$2400.00}. ( I stopped making the extra payments towards the principal during the refinance process. ) In total I made 5 payments totaling {$12000.00} before closing on my refinance on XX/XX/XXXX. This brought down my balance to {$270000.00}. When the HSBC representative called me to inform me of my closing date, I realized I was n't supposed to make the XX/XX/XXXX payment. He said I would have my XX/XX/XXXX payment refunded. 
When XXXX mailed me a " Payoff Refund '' check in the amount of XXXX, which arrived on XX/XX/XXXX, I realized this amount was roughly the difference between the starting balance ( XXXX ) and the closing date balance ( {$270000.00} ). I understand that based on the amortization schedule the 5 payments totaling {$12000.00} would only cause the balance to drop by {$3800.00}. I do n't have an issue with that. 
However, to keep the loan at {$270000.00} requires that I make an additional {$12000.00} in paymentsto bring down the balance to what it was on my closing date. This amounts to a hidden fee of {$12000.00}. Is this legal? The balance could have been revised to the closing date balance. ( A colleague of mine told me that is what his bank did with his loanwhen he refinanced. )

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is not a LOAN or CREDIT DEBT but a CLAIM by a disgruntled vendor And does not since it does not include all XXXX data points in the documentation

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 2017-03-23 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
My main bank had always been Wells Fargo. I called asking if they offered a better rewards credit card than the 1 % Wells Fargo reward card that I had, because I kept getting better offers. The wells fargo representative told me they did indeed have a better offer and that I could go online to sign up for it. I went online and sure enough it stated in big bold colors and words. ( 1 ) {$150.00} rewards bonus if {$1000.00} was spent in the first 3 months ( 2 ) 0 % interest for 12 months. Online it said to see if you qualify for the introductory offer fill out the forms, which I did. I clicked through and online it said I qualified for it, I also got an email congratulating me for qualifying for it and that my card would be sent in so many business days. The card arrived and no where in that paperwork did it say I did not qualify for the introductory deal. So I proceeded and put $ XXXX in charges on in with in the first 3 months. But then they started charging me interest on the card, before the 12 months was up. They also refuse to honor the {$150.00} rewards introductory bonus. They are saying if I had read the fine print it would have said if I have another wells fargo credit card I would not qualify for intro bonus. But that is hogwash, no where did it say I did not qualify, It said fill out this form to see if you qualify for the introductory offer, and no where did it ever say I did not qualify for intro offer, nor did I receive an email denying offer, nor via USPS. So this is clearly another Wells Fargo credit card scam they are pulling on unsuspecting people. 

I will be closing all my accounts with Wells Fargo in the coming weeks after I work out details of another bank, but this is a clear case of them committing internet fraud on people. 

Please help in stopping this big bank from continuing to commit fraud on American Citizens. 

Many Thanks, 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 monetary relief
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
Equifax is continually violating my rights under the Fair Credit Reporting Act. They are not taking complaints filed against them with the Consumer Financial Protection Bureau seriously. I am now asking that the Consumer Financial Protection Bureau gets involved in this situation. I have filed this dispute on several occasions and Equifax just keeps updating my credit report with the same information. They did this again on XX/XX/XXXX. These items were no longer showing that a re-investigation was in progress when I went to their website this morning. They also added back a collection that was recently deleted. I just went to the website and re-disputed the following items : XXXX ( Balance {$150.00} ) XXXX ( Balance {$160.00} ) XXXX ( Balance {$160.00} ) They recently added the following collection back to my credit report after deletion : XXXX ( Balance {$24.00} ) I ask that the Consumer Financial Protection Bureau gets involved in this immediately, as I have been dealing with this issue with Equifax since XX/XX/XXXX. I have provided information by certified mail ( return receipt ) and online that shows that I have been in Chapter XXXX bankruptcy since XX/XX/XXXX and all accounts that I had were included in that bankruptcy. This is preventing me from getting a XXXX formed that is needed immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
I have had my mortgage since XXXX, and in - or around - XX/XX/XXXX my mortgage was sold to Carrington Mortgage. I had applied to do a loan modification with XXXX prior to them selling the mortgage to Carrington. However, Carrington did in fact complete the remodification after they obtained my loan. Ever since my mortgage has been sold to Carrington, I have been having issues every month when making my payment. Their website always gave me trouble with logging in to make the payment, so I call in to process them over the phone every month. I make sure that I call in the payments at least a couple of days before the first of the month to avoid any complications with it being late. Each and every time I call, the representatives tell me that I have a payment missing from the previous month. Because of that, I always ask for the representative 's names, and I get the confirmation number that the payment had been made. Every time I call, and they begin stating that a payment is missing, I provide the confirmation number from the previous month. Once I state that, they continue on and process my payment, but never do they confirm that the month they stated was missing was in fact received. On XX/XX/XXXX I called to make my XX/XX/XXXX payment, and again, they told me that I did n't make a XXXX payment. Which I had, on XX/XX/XXXX for XX/XX/XXXX. I provided the confirmation nuber again. It seems odd that this is a normal occurrence every single month when I call to make my payment. I then faxed a letter to their customer relations department to have them look into why this happens every month, and I received a letter that advised that I had a missing payment and late fees/charges on my account and they were going to review my loan. I have never been late on my payments, and I have never missed a payment. I 'm concerned that there is something more going on than simple incompetence at this point. Once or twice of this happening could be understandable when they first received my loan, but this has been going on for close to two years now where every single month it 's the same story. I have attached every document that you may need in order to review this for me if possible. I have attached my bank statements, however, for the month of XXXX I was still with XXXX so it would only allow me to show the Activity Details for that payment but you will see it is the same amount as the first few payments to Carrington starting in XXXX. Some months XXXX payments show on the statement. One in the beginning of the month ( for the current month ) and one at the end of the month ( for the following month ). I have attached the letter from Carrington with the review of my account, which they provided what they said is my payment history which does n't make sense either, and I have attached my handwritten documentation of when I had made each payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: OH

Complaint narrative:
I 'm trying to drop my PMI insurance on an FHA loan. I currently owe {$34000.00} on the loan with the current value of the house at {$45000.00} leaving me with a ltv of 76.27 % the original value of the house was {$72000.00} leaving me with a value of 47.67 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I would Like to File a complaint on EXPERIAN CREDIT REPORTING AGENCIES reguarding late payment on XXXX account XXXX I Sent in certified mail receipt number XXXX along with copies of my XXXX account statements that I had Paid XXXX on the Months that they said I did n't I also attached a hand written Letter telling and ASKING experian That I wanted Physical Proof as to how they investigated the dispute. They failed to send me any of that Information and 3 to 4 days They said that The disputed was updated with in 4 days. I asked Experian not to use theie XXXX SYSTEM due to the fact that I HAVE MY PROOF OF PAYMENT THAT XXXX IS SAYING THAT I WAS 30 DAYS LATE OF THE ACCOUNTS AND I WAS NOT DUE TO THE FACT THAT I HAVE PROVIDED EXPERIAN PROOF OF PAYMENT WAS MADE ON TIME. I HAVE ASKED XXXX FOR THIS AND THEY FAILED TO RESPOND TO MY REQUEST SO I ASKED EXPERIAN TO INVESTIGATE THIS MATTER THEY SAID THAT THEY VERIFY THE LATES USING THERE XXXX SYSTEM AND WE ALL KNOW THAT SOMEBODY SITTING IN THERE BUTTS PUNCHING CODES I WANT PROOF AS TO WHO YOU SPOKE WITH AND ANY ANY TYPES OF VERIFICATION THAT YOU RECIEVED FROM THE CREDITOR XXXX DID N'T REPONSE TO MY REQUEST BUT EXPERIAN SAID THEY RESPONED THAT THEY VERIFY IT WAS REPORTING CORRECT I WANT SOMETHING IN WRITTING AS TO WHO YOU SPOKE WITH AND HOW THEY VERIFIED IT

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