vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
On XX/XX/XXXX I applied for a BBVA checking and savings account using a promotional offer to receive a {$200.00} and {$50.00} bonus respectively. I have completed the requirements of the offer. When I asked BBVA when I would be paid, they said that I wasn't eligible because I had a checking account open in the last 12 months. Fortunately I keep my own records and know this is incorrect. I closed my last BBVA checking account on XX/XX/XXXX. As anyone can see, it has been more than 12 months and thus I am eligible under the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: ID

Complaint narrative:
XXXX XXXX - XX/XX/18 {$1200.00} XXXX XXXX-XX/XX/18 {$3700.00} XXXX XXXX XX/XX/18 {$10000.00} XXXX XXXX-XX/XX/18 {$350.00} XXXX-XX/XX/18  {$850.00} XXXX XXXX- XX/XX/18 {$1000.00} XXXX XXXX-XX/XX/18  {$1200.00} XXXX XXXX XXXX-XX/XX/XXXX {$1800.00} I am filing this complaint because Transunion has ignored my request to provide me with the documents that their company has on file that was used to verify these accounts under Section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified that I have disputed. Please resolve this manner as soon as possible. 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 explanation
Consumer complaint received 2019-01-17 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 — Overcharged for something you did purchase with the card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I attempted to purchase tickets to the opera from XXXX. I thought I purchased two tickets totaling {$650.00}. When I printed the receipt and the tickets I discovered two problems. First the price I was charged was {$920.00}. Also the name on the tickets were not my name but the name of a different person and the price on the tickets was {$190.00} each. I attempted to contact the company by phone but was unable to reach anyone. I sent a few e-mails stating that I would not try to attend an event with tickets that were not in my name and wanted either tickets with my name for the price I agreed to pay or a refund. They responded that they were a third party seller and that there were no refunds and that this was the standard in the trade. 

I then contacted my credit card company American Express and they agreed to suspend the charge and would investigate. This would take approximately 6 weeks. It is quite disturbing to me that these actions are allowed. No where on the purchase site does it say that they are a third party seller and that the price and the names on the tickets would be different that my purchase. 

I never attended the opera and did not use the tickets. I informed them of my actions and intentions before the date of the show to give them time to resell the tickets but they refused to cooperate. This type of business should be closed down. It is totally misleading and deceptive to the public. 


I also purchased cancellation insurance on the same site from XXXX   and this also was a scam. I contacted them and they told me it was not covered. Seems like birds of a feather flock together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: SYNCHRONY FINANCIAL
State: AZ

Complaint narrative:
The account was closed by the lender on XX/XX/2011 ( correctly listed on the credit bureaus ), which is outside the credit reporting scope. However, they refuse to remove the account from my report, because the creditor says that it is still delinquent.

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 2019-01-17 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: EQUIFAX, INC.
State: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: WA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2019-01-17 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: COMMERCE BANK
State: PA

Complaint narrative:
We applied for a Commerce Bank loan ( serviced by XXXX XXXX ). They prominently advertise that after 12 months of good payments the co-signer would be released. We called and they confirmed this was correct. When I received the papers, there was no mention of the 12 month co-signer removal. I then called to question it and was read a list of conditions and told it had to be applied for. These conditions gave the bank an out in any circumstance. 

I cancelled the loan application and am writing to report that there was a definite attempt to deceive me into signing and then never being removed. Im ok with the terms, but the ran my credit, we even called and they confirmed and tried to take advantage of us. 

The application number was XXXX Thank you. 
XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Edited letter to Equifax, XXXX. XXXX XXXX, XX/XX/XXXX, to avoid providing personal information Dear Sirs, As you know, I have written a number of letters with regards to your services. I just received confirmation # XXXX. In it, you re-iterate your mistake adding a suffix ( Sr. ) to my name. I have never used, and have no reason to use Sr., as I have NO MALE children! 

In addition, you compound your mistakes in you latest communication. Let me explain. 
In addition to the Sr-suffix, you had my former employer as XXXX XXXX  XXXX. I pointed your mistake in my previous letter. My previous employer is The XXXX XXXX XXXX XXXX. Furthermore, under previous addresses the XXXX XXXX XXXX was in XXXX Ohio, not XXXX, as you mistakenly wrote. 

The confirmation # XXXX says you have deleted from the credit file XXXX, XXXX XXXX XXXX, Date employed : XX/XX/XXXX Date employed XX/XX/XXXX The information about my former employer should not be deleted, instead, it should read : XXXX, XXXX XXXX XXXX XXXX XXXX, Date employed : XX/XX/XXXX. The only information that should be deleted is the XXXX XXXX XXXX if you can not correctly identify XXXX Ohio, instead of the wrong XXXX!!!!! 

I enclosed copies of Passport, driver license and social security card in my previous letter to you. As you can see from the driver license, Passport, and Social Security card my name does not have the suffix Sr. 

I am totally fed-up with your organization. Would you forward my file to a supervisor? I can not continue sending letters and documentation in a fools-errand hope for resolution that never materializes in spite of months of effort and countless hours of writing. I would appreciate a supervisor contacting me personally to clarify any questions you may have prior to issuing another wrong resolution confirmation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
have received alerts that my SSN was used reported by Experian. Can not get a live person to answer the phone at Experian to find additional information as to who used or how my SSN was used.

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 2019-01-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Big Picture Loans, LLC
State: IL

Complaint narrative:
A loan was taken out in XX/XX/XXXX for {$1000.00} by XXXX XXXX. The loan payments were made for about 6 weeks totaling roughly {$500.00}. After that, XXXX was unable to make any more payments on this loan and defaulted. He was contacted in XX/XX/XXXX by XXXX XXXX XXXX on behalf of XXXX XXXX in attempt to collect on the loan. A settlement was reached of {$310.00} and would be paid by three payments. The settlement was paid and assumed a closed matter. Fast forward to XX/XX/XXXX and XXXX is now receiving calls on this debt from XXXX XXXX XXXX XXXX in an attempt to collect. XXXX has sent them the settlement release form that was received from XXXX XXXX XXXX and they are not attempting to resolve this. XXXX considers this debt to have been resolved inXX/XX/XXXX and is not favor of harassing calls 2 years later after hearing nothing since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I received an alert yesterday ( XX/XX/2019 ) of a hard inquiry on my credit report from XXXX XXXX XXXX XXXX XXXX from Equifax. I have not been an XXXX XXXX XXXX customer for years now so I inquired. There were no unpaid charges to my old account. However yesterday my credit was ran by XXXX XXXX XXXX an someone that had my SSN, DOB and address in Connecticut was allowed to open an XXXX XXXX XXXX account with " three lines '' in XXXX, Puerto Rico according to XXXX XXXX XXXX. They supposedly froze the account but were suppose to email me confirmation of all of this and after 17 separate times in the last 48 hours of me trying to contact the XXXX XXXX XXXX fraud department ( XXXX XXXX ) I continue to get hung up on and still have yet to receive confirmation that my identity is once again secure or that any action has been taken against the individuals who have stolen it and I have no idea how far this is going to effect me. I filed a consumer protection alert with XXXX and supposedly this will be forwarded to the other credit bureaus but I have yet to receive any confirmation from them either.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have attempted to dispute this issue Bank for several months now sending him letters doing enquiries to them verbally asking them to remove unauthorized hard inquiries that were not authorized as well as removing the false information that they had provided and then had mistakenly remove the entire account kasi need to lose a year and a 1/2 of  credit history dropping my scores significantly and now they are not reporting on any credit bureaus they tell me they are when I call the credit bureaus it does not show is reporting and I look at my credit reports it does not show is reporting but XXXX   proceed credit card shares by the fact there's nothing they could do because they're already reporting it I have contacted them and waited for 60 days for the no reply I've had to call them repeatedly in explain over and over with no recovery to fixing my credit and my score back I have had an account open with them for 2 years now and they have completely removed it from all 3 bureaus and I pay it monthly

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/19 a check for {$410.00} cleared my Wells Fargo Checking account leaving an available balance of {$19.00}. A deposit of {$20.00} was made into the account on XX/XX/19. Over the weekend automatic debits and purchases with a debit card came in for XXXX {$7.00}, {$9.00}, {$12.00}, {$3.00}, clearing the bank on XX/XX/19. None of the payments were declined, and despite showing a positive balance when the check cleared, Wells Fargo assessed a {$35.00} Overdraft Charge applied on XXXX-19. I had previously disabled overdraft protection on debit card purchases when the CPFB came into existence. Wells Fargo was supposed to decline to pay the transactions at the terminal at the time of purchase. 

When I called to complain the WF Employee tried to explain to me that the debit transactions happened in such a way that they caused the overdraft fee. I insisted that I had opted out of overdraft protection on Debit Charges and the statement clearly showed there was a positive balance after the check cleared. The agent continued to argue and interrupt me. He denied that Debit Card transactions on opt out accounts were legally exempt from Overdraft Fees. I reminded them of all the fraudulent activity WF was in the news for again, and that now they were stealing from me. He agreed to waive half of the fee and stated that was all the system would allow him to do. I told him that was unacceptable for them to steal any money from me under the guise of Overdraft Charges for a check that did not bounce. He told me I would have to talk to someone higher up and I insisted he transfer me immediately. 

The next person came on the phone and the situation repeated itself, only this time he offered me an additional 15 % discount on the charges and that was all the system would allow him to do. I told him I do not care about any of your systems, this is not a negotiation I will report this to CFPB. I am not negotiating the amount of money I will allow Wells Fargo to steal from my account. He then refunded the entire {$35.00} fee immediately and I ended the call promptly.

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 2019-01-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Home Point Financial Corporation
State: CO

Complaint narrative:
I am a XXXX Veteran and applied for a VA Home purchase loan. I have been trying to purchase this home for two years and have had problems with the seller. My son used to live at the property but I wanted to buy it as my primary residence. With help from the courts we were able to get a court action stating that I could purchase the property. I submitted all the required paperwork to Home Point Financial Corp and was approved for the VA loan. I completed the VA appraisal, the Termite Inspection and the Survey. I was suppose to close on XX/XX/2019 but was informed by my loan officer on XX/XX/2019 that Home Point Financial had denied the loan stating that they did not feel I was going to occupy the home as my primary residence and that I would not be able to maintain the up keep on the property. They came to this conclusion due to a letter that was sent to them from the seller of the property containing inaccurate information. At no time did they contact me to discuss this situation. The requested more documents from my loan officer, which were provided immediately. I do not feel that a lender should be allowed to deny a loan due to speculation and that they feel a XXXX veteran can not maintain the property. I have attached the letter from the Underwriter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: FL

Complaint narrative:
On or before XX/XX/XXXX, XXXX XXXX sent letters stating that I didn't have homeowner and flood insurance. I then received a letter that the property taxes were paid by XXXX XXXX on XX/XX/XXXX. I contacted XXXX and explained that the property taxes were not due until XX/XX/XXXX. I faxed them proof of the homeowner and flood insurance on XX/XX/XXXX. I then faxed the Hazard Insurance on XX/XX/XXXX and also proof of property taxes paid XX/XX/XXXX. I then received foreclosure documents on XX/XX/XXXX which then I filed a Motion for extension on XX/XX/XXXX to seek legal counsel. I hired an attorney XX/XX/XXXX which I had to give a retainer to. The motion for the foreclosure was dismissed on XX/XX/XXXX but I didn't become aware of it until XX/XX/XXXX. This was an error on behalf of XXXX XXXX due to the property, hazard and flood insurance were in effect and paid in full as agreed under our contract.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizens Bank Opened checking and savings accounts on XX/XX/2018 online. Not at a branch office. 
Issue : Regulation D charges to a savings account XX/XX/XXXX - {$30.00} XX/XX/XXXX - {$90.00} XX/XX/XXXX - {$670.00} On XX/XX/XXXX I went and talked with a Service Rep at the First Citizens XXXX NC branch. I told her what had happened and she looked up my account to verify the charges. She then informed me that I was using my savings account improperly and suggested opening a second checking account to do the same thing with it that I was using my savings account for. She said she would look into the charges and see if she could do anything about reversing some of them. She called me on XX/XX/XXXX and said that there was nothing she could do because the account was created online and not at her branch. So she gave me a # XXXX to call online customer service. 
XX/XX/XXXX I called the online customer service and talked with a rep. They said the fees were required by the government and they could not refund them but did say they would give me {$100.00} back as a goodwill gift. 
I never received any calls or emails telling me of the fees they imposed or that I was using the savings account incorrectly. I do not deny that I was transferring multiple transactions out of my savings account. I was doing this to budget my payments from my paycheck which I had direct deposited into my savings account. There was never a large amount in the savings account, I probably never had over {$2000.00}. If I did it was just for a few days after my check was deposited until I moved the money to my checking account or a payment was drafted. I was just trying to budget bill payments from my paycheck for my house, car, student loan, utilities and other monthly payments. I did not realize that I could not use my savings account in this way. I probably did received the fine print regulations for checking and savings accounts and the restrictions on savings accounts may have been listed there. But it was never made a point of concern and I was never notified after any of the fees were debited from my account. 
I would like to see if I can get all of these fees returned. 
I did look up some information on the Regulation D and it states that Regulation D requires a depository institution to comply in one of two ways : either ( 1 ) prevent transactions in excess of the limit or ( 2 ) adopt procedures to monitor excess  transfers on an ex post basis and contact a customer who exceeds the limits more than occasionally. 
I never received any notification from First Citizens letting me know I was violating these Regulation D guidelines.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-17 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: GA

Complaint narrative:
-XX/XX/2018 a Dispute was open for 3 unverifiable accounts. Within 30 days a response was received as UPDATED and/or VERIFIED. There was no verifiable proof ( an original consumer report with my signature on it ) mailed or emailed to me. 
- XX/XX/2018 a second Dispute was opened where I have requested that the VERIFIED and UPDATED account are sent to me with proof of my signature on the Original Consumer Report. Within 30 days of the dispute A response was received Consumer Disagrees I have yet To receive the original creditors documents with my signature but the account still show on my credit report. 

As for XXXX - The same has happened as stated on XX/XX/2018. 

On XX/XX/2018 a second dispute was opened and I have not heard from XXXX since the Dispute response for XX/XX/2018

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