vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
We have applied and been denied to three different modifications. Every Time we talk to someone in the mortgage review department we get a different story : add your wife, do not add wife to loan, don't add additional income you need more income. never told us what programs were even available, just that we made too much money or not enough. We are told if we send in payments they will be sent back. We make enough money to pay for our home. We are told not to submit both of our incomes. Its a complete nightmare. We have XXXX children and work hard to keep our home. We have begged them to put what we owe on the back end of the loan, and even increase our monthly amount to pay them for the few months we were behind. 
We do not qualify for any modification. I feel there should be some bracket we fall into. We are losing our home with XXXX kids, have no where to go, all due to a glitch at wells Fargo.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
On XX/XX/2018 I applied for an American Express Premier Rewards Gold Card. Prior to submitting the online application there was a pop-up saying that I was ineligible for the sign up bonus because the system thought I had received this offer previously, when I have not. I called American Express Customer service to confirm that I have never previously received this bonus, and they confirmed to me that I was indeed eligible for the sign up bonus ( XXXX MR / {$2000.00} spend ). The representative claimed that the system improperly marked that I had previously had the card because I was put as an authorized user on my wife 's own Premier Rewards Gold Card. They confirmed that being an authorized user would not  prevent me from receiving the sign up-bonus. After being assured that I would receive the bonus after applying and guaranteed that I would receive the bonus via phone ( XX/XX/2018 ), I submitted my application. After being approved, I Live Chatted with a representative to make sure that the offer was attached to my account. The offer was not attached to my card, and an investigation was opened to resolve the issue. I was told that since I was reassured via phone call ( again XX/XX/2018 ) and guaranteed that I would receive the sign up offer, I should have no issues. I was told to wait a few weeks while the matter was being investigated. 

I have checked back in with American Express Representatives many times in the past month to check the status of the application.Today XX/XX/2018 I checked the status of the investigation again and was told that I was denied the sign up bonus. When asked the reason they claimed that I have misused the offer. I only just opened the card and have only 1 other credit card with them ; I have never misused any offers. When I asked for them to be specific, they were unable to provide any details. They told me that they can re-open the investigation, but I would have to wait 6-8 weeks before I could check back in to check the status of the investigation. When asked to escalate the issue, because I have already waited a month, they insist that they can only have me wait another 6-8 weeks before I can hear back. 

I feel as though American Express business practices are very deceitful. I was promised I would have no issues with the sign up bonus BEFORE applying and the representative said that I would " 110 % receive the bonus. '' After reassuring me to apply, and that I was eligible, my account had no offer attached and now after the investigation they claim that I have misused the offer. When I asked for them to clarify how I have misused their offer, they are unable to provide any specific details as to how I misused their offer. They claimed that they would re-open the investigation and want me to wait 6-8 weeks before they can tell me what they should have already investigated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Midwest Recovery Systems
State: GA

Complaint narrative:
I am receiving calls multiple times a day saying I owe a debt from years ago involving a payday loan. I have asked for written debt verification either by mail or by email. Neither which I have received. Then this fraudulent debt shows up on my credit report which made my score drop dramatically. The threatening phone calls state that I will receiving a wage garnishment and that they are just waiting on work verification. They also stated that a warrant for arrest will be sent to my home. I would like this debt to be marked for dispute and fraudulent immediately. Also I would like the collection calls to myself and former friends and family members to cease immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
I have no dental insurance so my dentist suggested that I get care credit through XXXX XXXX I was told that it was six months interest free but then I got slammed with charges right away for any bills under XXXX I was not aware of these terms then after the six months I was slammed with so much interest Im not able to pay off the actual loan I tried to contact the company and they told me I didnt know what I was talking about I feel like Im being scammed. I need something done about this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roach & Murtha, P.C.
State: NY

Complaint narrative:
All conversations between myself or my husband with Roach and Murtha PC, were recorded by Roach and Murtha PC. 

Between XX/XX/XXXX and XX/XX/XXXX, my husband and I received several phone calls from a representative named XXXX XXXX who worked for a Debt Collection Attorneys Office called Roach and Murtha, P.C. ( He was NOT an attorney-basically a receptionist used to scare and threaten people ) XXXX XXXX called us many times threatening a law suit, lean on our home, garnished wages and also threatened to contact my husbands place of work over a debt that had nothing to do with his job. When we asked him to send over paperwork of this debt, he threatened to not send it directly to us, but to my husbands job Also, when we asked for proof of this debt we were told we were thieves and stole from out homeowners insurance company. ( very unprofessional behavior ) He nor anybody from this law office provided us with any written information about this debt. 

We then found out that XXXX contacted my husbands brother who # 1. doesn't live with us or in the state for that matter, and # 2. was not ever on any homeowners policy with my husband or myself. When asked why he contacted my husband brother he had no response. 

XXXX continuously told us we needed to pay him exorbitant amount of money or we would be sued. These phone calls were never resolved because we simply wanted more concrete information about the debt, and XXXX refused to to provide us with anything. 

The third time that XXXX called/harassed us about this debt, I asked to please talk to his boss because I was tired of XXXX 's rude and unprofessional behavior. He continuously would yell at me and demand money. When I asked to speak to his superior, he told me his boss 's name was Mr.Murtha.

I was never transferred to Mr.Murtha, but i was in fact transferred to a few other people who were all equally as rude and just demanded money from us. Their names were XXXX XXXX and some other guy named XXXX ( who hung up on me when i asked for some kind of proof of this debt ) After researching the Professional Profiles of Roach and Murtha PC, I found out that the last guy named XXXX was infact Mr. Murtha ( he never introduced himself to me as an attorney or that he was Mr. Murtha, just that his name was XXXX ) XXXX cause our family grief, anguish and stress. 

This attorneys office, Mr. Murtha and specifically XXXX XXXX go against all rules of the Fair Debt Collection Practices Act ( FDCPA ). They threatened our family and harassed us to no end. They violated many of the Basic FDCPA violations. 

I really hope this individual ( XXXX XXXX ) as well as the entire law office is investigated. Just because someone owes money, doest mean they deserved to be harassed daily and threatened.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
hi Experian you reported to myself and the CFPB that the incorrect names were removed I see in checking with XXXX XXXX XXXX that you did not remove those names XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX you stated in caseXXXX-XXXX that they were removed. My Id # XXXX is correct, please remove these listed above.CFPB please refer to XXXX-XXXX in this matter thank you

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 2018-10-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: SYNCHRONY FINANCIAL
State: NE

Complaint narrative:
I signed up for PayPal Credit and was approved for a {$3500.00} line of credit. I attempted to use this line of credit and was denied on every attempt. I called and submitted additional identity verification and was told everything would now work fine, it again did not work.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Hello, Wells Fargo is incorrectly reporting a missed/ late payment on my loan account with them. One month I've paid my monthly dues in one of the local branch, and something went wrong on their side that didn't register the payment, although money from my account was withdrawn. I've contacted Wells Fargo and they did admit to their mistake. They've taken care of the late fee and were going to send me some papers to sign and send back, but I haven't received anything as of today. Every time I try to reach out they keep telling me about some paper to sign but this run around has been going around for almost a year now and this is affecting my credit score for way to long.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
When I was in school for my XXXX to pursue for bachelor of XXXX degree, my student loan company ( navient ) put me into forebearance but I was accumulating interest of 11.6 % total interest on my two loans together. One loan unsubsized with 5.87 % and other loan subsidized with 5.87 %. 

When I called navient for public loan forgiveness, they told me I had to work 20 hours a week and make monthly payment. It was very misleading as to how to stay on track for public loan forgiveness while working in XXXX as a XXXX for the past four years ( XX/XX/XXXX-XX/XX/XXXX ). Then, I called them last year to ask about public loan forgiveness eligibility criteria, they told me I have to work 10 years of full time in non-profit organization ( XXXX ) and not being in school status, before I apply for public loan forgiveness on my student loans. I didn't know that before I called them. I kept track of every single payment since I started working at XXXX and XXXX XXXX. I felt I'm being deceived by navient and not fully understand of what I need to remain eligible for public loan forgiveness on my remaining student loan principle balance. I'm not satisfied with Navient at all. 

After graduating from XXXX school in XX/XX/XXXX, I currently have been paying anywhere from {$100.00} to {$1000.00} a month for student loan. I do not believe navient student loan company properly allocate my student loan payment online. I was paying more and more but my principal balance doesn't seem go down as it should. I have been mislead and so frustrated of being with Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: DISCOVER BANK
State: CA

Complaint narrative:
Credit card company ignored exhibits I submitted as evidence of my dispute with merchant, their on line dispute platform failed to upload documents I submitted as evidence of my dispute. I had to reload documents after confirming with them that documents were not uploaded as their online platform relating false and incorrect data. 
The credit card company advised me of was an arbitration procedure which they refused to excercise and allow me the opportunity defend my dispute with the merchant. Included with this process the credit card company also failed to provide me with any exhibits they were provided by the merchant as a part of the dispute process. I have requested those exhibits which they have failed to provide as required. 

I was told by their billing dispute Dept that they would not accept exhibits from me in audio format from recordings I had provided them as evidence to support my dispute claim. They rejected my audio files and indicated to me that I would need to provide transcripts in pdf format of those files if I was submitting them with my claim dispute I provided those files and they ignored them as is evident by their dispute resolution result. 
I was also told that any pics previously submitted to support my claim even if submitted in pdf format would not be considered.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/18 XXXX withdrew {$18.00} from my account which I did not authorize. What I did authorize was a single report for {$1.00}. I contacted my bank and on XX/XX/18 they removed {$17.00} until their investigation was complete. Now on XX/XX/18 they reversed the credit and charged me {$17.00} which I did not authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
Capital one generates statements on a regular basis every 19th of the month, and due dates every 16th of the month which is a 30 day cycle. However, if you have a cash advance transaction, this is left out on these statements and no way to know that there is a balance calculating interest even after you pay a statement fully. This has happened to me and I feel its misleading. They should include all transaction on some form of statement otherwise innocent unsuspecting consumers continue to pay full statements but suffer interest on cash advances they did hoping it was factored on closing the statement. I'm willing to demonstrate with statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information on my credit reports with XXXX, XXXX and Transunion. 

To date, I XXXX is the only reporting agency that has removed the inaccurate information in accordance with the Fair Credit Reporting Act. 

I am including a copy of the following Transunion credit reports : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I am including a copy of the following XXXX credit reports : XX/XX/XXXX and XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, dated, XX/XX/XXXX showing that the account has been deleted ( after a thorough investigation ). 

On the credit reports, you will see that XXXX XXXX continues to report this charged off account from XX/XX/XXXX, monthly, as if it were a new late/charge off. The XX/XX/XXXX ( Transunion ) report shows that the account date closed is XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX show that the account date closed is XX/XX/XXXX. 

On the Transunion credit reports you will observe that the balance past due up to XX/XX/XXXX was {$6200.00} and on XX/XX/XXXX the balance past due was {$6300.00}, adding an additional {$82.00}. 

Ally continues to report this account adding and removing past due amounts sometimes as little as {$1.00} in order to re-age the account and continue to report it is if it were a new derogatory account which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act I have also received e-mails from agencies such as XXXX XXXX, etc ... showing that the account continues to report as a new derogatory account utilizing the {$1.00} to re-age the account ( if needed, I will pay for the account history with the other agencies ). 

On Transunion File # XXXX, you will observe on XX/XX/XXXX and XX/XX/XXXX the past due amounts vary and the payment/amount paid is {$0.00}. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened a checking account with BMO Harris Bank and opted in to " overdraft protection '' however after several attempts and even causing me to be stranded they will NOT allow me to overdraft account for purchases or via atm such as other banks do up to a certain amount with fees for the overdraft BMO Harris refuses to allow my account to overdraft and I was stranded one time also BMO Harris bank promised to provide a {$200.00} just for opening an account in 90 days however did not do so and even promised {$50.00} for enrollment into paperless statements and refuse to do so they need investigated for false advertisement I was never told by Branch Manager in XXXX Ks for the {$200.00} u must have {$600.00} in deposits each month for the {$200.00} reward bonus until I called BmO bank customer service and learned that they are a XXXX bank I encourage anyone reading this to utilize another bank!!! Shame on BmO Harris Bank

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 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: FL

Complaint narrative:
Since XX/XX/XXXX, I have been reviewing and disputing inaccurate information on my credit reports with Experian, XXXX and XXXX. 

To date, I XXXX is the only reporting agency that has removed the inaccurate information in accordance with the Fair Credit Reporting Act. 

I am including a copy of the following XXXX credit reports : XX/XX/XXXX ; XX/XX/XXXX and XX/XX/XXXX. 

I am including a copy of the following Experian credit reports : XX/XX/XXXX and XX/XX/XXXX. 

I am also including a copy of my XXXX credit report, dated, XX/XX/XXXX showing that the account has been deleted ( after a thorough investigation ). 

On the credit reports, you will see that XXXX XXXX continues to report this charged off account from XX/XX/XXXX, monthly, as if it were a new late/charge off. The XX/XX/XXXX ( XXXX ) report shows that the account date closed is XX/XX/XXXX. The XX/XX/XXXX and XX/XX/XXXX show that the account date closed is XX/XX/XXXX. 

On the XXXX credit reports you will observe that the balance past due up to XX/XX/XXXX was {$6200.00} and on XX/XX/XXXX the balance past due was {$6300.00}, adding an additional {$82.00}. 

Ally continues to report this account adding and removing past due amounts sometimes as little as {$1.00} in order to re-age the account and continue to report it is if it were a new derogatory account which is, 1. Defamation 2. Violation of the Fair Debt Collection Practices Act 3. Violation of the Fair Credit Reporting Act I have also received e-mails from agencies such as XXXX XXXX, etc ... showing that the account continues to report as a new derogatory account utilizing the {$1.00} to re-age the account ( if needed, I will pay for the account history with the other agencies ). 

On XXXX  File # XXXX, you will observe on XX/XX/XXXX and XX/XX/XXXX the past due amounts vary and the payment/amount paid is {$0.00}. 

This is a clear violation of the Fair Credit Reporting Act and an illegal activity by XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-21 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Global Payments Check Services, Inc.
State: CA

Complaint narrative:
They overcharged me with team toon fee by XXXX dollars and the fee was paid each time they sent it a total of five tranctiona were paid for and they were the incorrect amount each time they originally corrected the amount but have taken it back and now are collecting a wrong amount.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief