vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: DISCOVER BANK
State: ME

Complaint narrative:
On XX/XX/XXXX I sent Discover Financial Services of XXXX. XXXX XXXX XXXX XXXX, IL XXXX {$2500.00} for a secured credit card with the understanding that after a year I would be eligible for an unsecured card. It had now been 2 years and my card is still not unsecured. It is the only credit card I have that is secured. In my time with them I have never gone over the limit or had a late payment. In fact in most cases I paid off the card every 2 weeks or made a payment at the least. To give some weight to the seriousness of the situation it should be said that year to date XXXX I have charged and paid over {$51000.00} with another major credit card company using an unsecured credit card. So money or ability to pay isn't the issue. It is my feeling that XXXX is using unfair advertising practices to lure customers with the promise of credit building when in fact very few get unsecured cards. The consumers monies are used as an investment tool and no interest is paid to the consumer. The consumer is being taken advantage of. Some would suggest that I simply close the account. The issue with closing credit card accounts is that it is deemed as a credit risk and will be reflected on my credit report as such. I have hedged my bets and will likely leave the monies in place because i expect a class action law suit will by filed for these practices in the future and being part of that would likely net me a nice return. The issue is that most people that need a secured card will not have that option.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2019 I responded to a XXXX ad for tickets to a XXXX XXXX/XXXX Game. I called the telephone number listed in the ad : XXXX-XXXX-XXXX. The seller identified himself as XXXX XXXX, a resident of XXXX XXXX, NV. The seller claimed he had tickets to sell, and I agreed to purchase them. The seller directed me to send a payment through XXXX, which was a money transfer service backed & promoted by my financial institution - Bank of America. 

I sent the funds, and the seller disconnected the call and did not send any tickets. The seller " stole '' {$400.00}. 

I contacted Bank of America immediately after this happened and was told they were unable to help until the transaction posted. 

The following day, XX/XX/2019, the transaction posted and I called Bank of America again to report fraud/file a claim. Bank of America indicated that while they could see the recipient was a XXXX XXXX account holder, and that XXXX XXXX  knew the individual 's identity, and that there was a digital footprint for the transaction - there was no way to reverse or cancel the transaction, and that funds would only be returned to me if the recipient ( a fraudulent scammer ) agreed to return the funds. 

The seller claims he is " XXXX XXXX '', and has a XXXX account linked to a XXXX  XXXX account using phone number ( XXXX ) XXXX-XXXX. His identity is known by XXXX and XXXX XXXX. I have documentation proving he stole {$400.00} through a XXXX scam. 

It is unacceptable that given this information, and the known identities of both parties ( myself, the victim, and the account holder at XXXX XXXX - a person who committed a crime & stole money ), that a fraud claim & refund can not be processed. 

Bank of America, XXXX XXXX  and XXXX are therefore complicit in facilitating criminal activity, and are not protecting the consumer. 

XXXX is a high risk, zero protection wire transfer service that Bank of America promotes, but does not back. The risks associated with this service are NOT boldly highlighted - on the contrary - it's advertised to the consumer as a simple, easy way to send money. This is extremely misleading to consumers, and must be stopped.

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 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Army and Air Force Exchange Service
State: KS

Complaint narrative:
XXXX XXXX XXXX has been attempting to collect a debt from me for 2 credit card accounts I acquired while in the XXXX. In XXXX I was XXXX due to injuries I sustained during my time there. At that time these accounts were closed with balances of {$1100.00} for account # XXXX XXXX XXXX XXXX and {$930.00} for account # XXXX XXXX XXXX XXXX. In XXXX my entire tax refund was offset to pay the balances of the 2 credit cards accounts, as well as part of a student loan. Shortly after that a representative from XXXX XXXX XXXX contacted me regarding a debt they said I owed which at that time they said was {$2100.00}. I requested documentation proving the amount owed because my tax returns had been fully garnished paying a total of {$3200.00} towards the XXXX XXXX. One on XX/XX/XXXX for {$1800.00} and the other on XX/XX/XXXX for {$1400.00}. I then received documentation from them for a XXXX XXXX whom I had absolutely no knowledge of. After discussing this at length with them they said they were submitting it to the fraud department, however, I then started receiving invoices for 2 credit card accounts with different account numbers and balances stating I owed over {$4000.00}. I contacted them again and tried to explain that the debt was not mine, they advised me that it was being investigated by fraud and that it was going to take time. After researching and acquiring more information I showed them proof that the 2 amounts I owed at the time my taxes were offset was the amount they are showing I owe subtracting the interest they have been charging me for the past 2 years. 

I have provided them with proof that this debt has be paid, however, while in dispute it's been crushing my credit and they still have a lien against my tax refund so I have not been able to file my taxes for 2 years. Every time I called them they would say it's being investigated and it will take time. Now that I sent the letter and proof the debt has been paid in full they say they are waiting for a response from Army & Air Force Exchange Service and it will take time, but I need to get this taken care of so I can move 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 explanation
Consumer complaint received 2019-04-16 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: CO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the DPT ED/XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 14 and 15 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 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: TN

Complaint narrative:
I am a customer of American Express credit card since XXXX. I have never had a payment problem with Amex.My current net worth in liquid assets is more than XXXX XXXX dollars. 
In XX/XX/XXXX, I submitted an application online for a Delta Skymiles Platinum Card issued by American Express. Amex denied the application stating that there was an instance where a payment was returned to American Express by my bank. I had a typo on my account number when I set up a new bank account for payment of Balance Due on the Amex Statement. I had rectified the problem immediately. 
I called the Amex 800 number and explained the situation and pointed out that I had been member since XXXX and that until very recently I had an Amex Platinum Card. I have never had a payment problem.They said they will review and let me know. I received a regret letter by US Mail dated XX/XX/XXXX. 
I called the Amex XXXX number and talked to a woman who would only give her first name XXXX. I wanted to know who made the decision and if I could speak to the person. She said that is not possible. I informed her that I will submit a complaint with CFPB. She said some one will get back to me. No one has.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
bankruptcy can not be verified by courthouse but they said its been verified. So if the courts cant verify this than who has the authority to verify? XXXX could not verify there fore they removed bankruptcy so why are Experian and XXXX saying the opposite?

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 2019-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
Honda inaccurately reported late payments to the credit bureau, when I paid before the 30 day late mark. Honda processes payments late and there several consumer complaints regarding this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Colony Brands, Inc.
State: MI

Complaint narrative:
THIS ITEM WAS SETTLED AND THE COMPANY WILL NOT REMOVE FROM MY CREDIT REPORT

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
On XXXX my annual escrow account disclosure was mailed to me assessing a escrow shortage of {$580.00}. Per my initial escrow account disclosure statement that I signed on XXXX my county taxes were not to be disbursed until XXXX of XXXX after the XXXX and XXXX escrow payments were deposited into the account. These first two payments in XXXX and XXXX would serve as the required two month escrow " cushion '' XXXX disbursed my taxes a month early in XXXX of XXXX resulting in an account balance of {$260.00} which is below the required two-month cushion. The Account Projections section of the annual escrow statement also has my taxes being disbursed a month early in XXXX resulting in a balance of {$210.00} against a requirement of {$790.00} ( {$390.00} X 2 ). 

If XXXX disbursed my taxes in accordance with the timeline in my initial escrow account disclosure ( XXXX ) I would have an account balance in XX/XX/XXXX of {$600.00} against the requirement of XXXX. My actual account shortage would then be {$180.00} instead of the current {$580.00} On XXXX I sent a written request detailing the above request and never received a response. On XXXX I called the customer service line and they simply refused to consider my request.

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 2019-04-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
On XX/XX/2019 I sent a letter of Method of Verification Request to Experian because they said they would no longer reinvestigate my claims.On XX/XX/2019 I received My Credit Report yet again from Experian with no changes to it and with the same comments.They did not do what I had requested in my letter I had sent by Law.I had previously sent them 3 letters and I had gotten the same results.They claim they verified everything yet I have not seen one single paper with my Signature on it or anything saying its my account who or when it was verified.They are not doing their jobs as they should be and making it harder on those of us who are trying to fix our credit.If you see the attached you will see what I mean.

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 2019-04-16 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: MO

Complaint narrative:
Equifax and XXXX are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
Freedom Mortgage assigned an FHA Case Number fraudulently before they had Fully Executed 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 2019-04-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: IL

Complaint narrative:
I am a XXXX XXXX with major health problems. I have had a severe reduction in income and I am struggling to stay afloat. My servicer, SPS, has categorically denied my requests for a mortgage modification. There answer to my reasoning is that my mortgage owner, XXXX XXXX XXXX and the mortgage holder, XXXX Bank does not permit modifications. So if XXXX is still the owner, why would they inform me years ago that my mortgage was being sold to SPS? Where does XXXX Bank fit in this scenario? 
Why is it when I apply to SPS for a modification, I am offered 2 options, " short sale or deed in lieu of foreclosure? Why is SPS so XXXX-bent of me being out of my home? I have lived here 24 years, 6 months! 
I feel as if SPS, supposedly defunct Accredited and XXXX Bank should be included with XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX and XXXX XXXX, because I believe that have engaged in and continue to engage in a financial crime spree that violates every law and rule imaginable. I feel as if SPS decisions are based on race and finances. These foreclosures are destroying ethnic neighborhoods. There are at least 10 foreclosed properties on my block alone and they want to add my home to the list! These companies refuse to work with a homeowner and prefer to foreclose and wait on an investor, who typically waits until the property sells for pennies on the dollar. I am appalled at the freedom at which these companies operate but then again they are fined and it is back to business as usual ... " Let 's get back to work on finding another unsuspecting XXXX to swindle ''! They are prolific in the crimes and the government seems to be oblivious to it or simply does not care!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-16 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: MO

Complaint narrative:
XXXX and Transunion are reporting incorrectly that I am 120 days past due on the XXXX and XXXX accounts. Please see the attached spreadsheet of reporting bureaus and account numbers. Also, please reference pages 2, 7, 8, and 9 of the attached credit report. This account reports a {$0.00} balance and {$0.00} past due. However, they are coded as if I am currently past due in present day. I am not disputing any prior late payments, but rather the coding error. This account is currently being coded as an I5. Please change the coding to I1. This incorrect reporting is harming my credit scores. Please keep in mind that it is impossible to be late on accounts where nothing is owed and nothing is past due.

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 2019-04-16 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: UT

Complaint narrative:
bankruptcy can not be verified by courthouse but they said its been verified. So if the courts cant verify this than who has the authority to verify? XXXX could not verify there fore they removed bankruptcy so why are XXXX  and Transunion saying the opposite?

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 2019-04-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: ALLY FINANCIAL INC.
State: WI

Complaint narrative:
In XX/XX/2019 my niece XXXX XXXX, got into an accident without insurance and totaled her 2010 XXXX XXXX, a vehicle that had a loan on it from Ally Financial-XXXX. At the time she did not have insurance coverage on the vehicle and it was totaled in the accident and it is a loss. I contacted Ally, as i am a cosigner on the auto loan # XXXX. XXXX XXXX, a Csr of Ally Financial told me that if i made a payment of {$920.00}, the loan would no longer be past due and Ally would work with me to make monthly payments on the loan to pay it off. Since then, i have been told that the loan is being discharged and sent to collections even thought the loan balance is current and I have tried to make XXXX 's monthly payment. Based on my experience and legal consultation, Ally should have forced placed insurance coverage or required XXXX XXXX- Co-owner, to have insurance on the vehicle as XXXX XXXX had a past history of lapsing her insurance coverage. Neither myself nor XXXX have received any letters or calls from Ally informing us of such action. We should have been contacted and insurance should have been required or placed on the vehicle to protect the collateral in case XXXX did not have appropriate coverage. I am looking into legal consultation for this as I do not feel responsible for the loss of this vehicle as Ally should have taken the appropriate steps to have coverage on the vehicle or Ally needs to work with me to come up with a solution that satisfies all parties.

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 2019-04-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
My credit card was abruptly closed without notice. There is a large credit balance on the account. I would like the company to refund the credit balance ; either by sending me a check, or by simply reversing the bill pay payments coming from my external bank account.

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 2019-04-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
I was involved in a romance scam. He kept stating he kept having a serious of unfortunate events and needed money. XX/XX/XXXX he contacted me through a social media called " meet up '' We exchanged emails, numbers and text. Stated his name is XXXX XXXX and lives in XXXX XXXX NJ Stated he was an XXXX XXXX XXXX. Sent me pictures of what he claims to look like. Eventually he claims he went to XXXX and things kept happening. Machine fell in water and he needed money, no access to bank account or his credit cards, got in a car accident, got stabbed, needed money for medical bills, food and airfare. Wallet got stolen. Finally this XX/XX/XXXX he repeated his story of getting into an accident and sent same pictures. I am still in contact with him superficially because I want him to get caught and stop. He does not know I know. Through Western Union and XXXX XXXX I have sent over {$15000.00} to several different people. He claims his name is XXXX XXXX. I sent money to XXXX XXXX, XXXX XXXX, XXXX XXXX in XXXX claims address is XXXX XXXX XXXX XXXX XXXX XXXX. I have filed a report with local police but they dont think they can do anything and have not contacted me further. I have receipts, pictures, texts and emails.I cant upload the western union receipts on this form

Company response to consumer: Closed with explanation