vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-12-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
OnXX/XX/XXXX I applied for and was approved for the Bank of America XXXX XXXX XXXX XXXX XXXX. My application qualified for a promotional offer which stated that I would receive XXXX XXXX rewards points if I spent at least {$1000.00} on the card within 3 months from the date the account was opened. 

After spending more than {$1000.00} on the card, I called Bank of America customer service in lateXX/XX/XXXX. I told the representative that I planned to return several items that I had purchased on the card and asked if that would affect my spending requirement to get the XXXX rewards points. The representative confirmed that I had met the {$1000.00} spending requirement, told me that returns would not affect the bonus offer, and said that I should see the points appear within several weeks. However, more than 6 weeks later, the points still did not appear in my XXXX rewards account. 

I called Bank of America on XX/XX/XXXXto inquire why the XXXX points had not appeared in my XXXX rewards account. The Bank of America representative confirmed that I had met the spending requirement, told me that the points should have been credited to my XXXX account, and said that I should contact XXXX. I called XXXX the same day, and the representative told me that they had no record of a transfer from Bank of America, so I needed to resolve the issue with Bank of America. I called Bank of America a second time that same day, and the representative told me that she would put in a request for the points to be credited. 

Several weeks later, I received a letter stating : The bonus offer required that you spend at least {$1000.00} within 90 calendar days from the date the account opened to qualify for this cash rewards bonus. You didnt qualify for the XXXX bonus because the spending requirement wasnt met within the required timeframe. 

This letter contradicted what I had been told by three separate Bank of America representatives. I called Bank of America again inXX/XX/XXXX to inquire why I received that letter. Again, onXX/XX/XXXX, I received a letter with the same language as the first letter, stating that I would not be awarded the XXXX points.

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 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Diversified Consultants, Inc.
State: CO

Complaint narrative:
The XXXX XXXX is Diversified Consultants. This is for a XXXX XXXX bill which I do owe and I will pay. The balance is {$1600.00}. 
I get daily calls from the # 's below which I have blocked but new # 's keep calling me. They do n't leave a voice mail they just keep calling me at the # 's below. 

XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX/XXXX/XXXX There are more calls from XXXX, CO, XXXX, CO that have been blocked and some from XXXX CO

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I paid my balance on my Wells fargo credit card under the agreement that they would both close the account under my name and remove it from my credit report. They agreed to do so when they received the final payment on XXXX/XXXX/XXXX. I left the matter alone and was notified with my credit report later that the account had not been removed from my credit report as promised. Ive disputed this claim with XXXX and XXXX to no avail. This was not the agreement I made when completing my payment and my credit report should reflect that accurately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
XXXX XXXX said they would not make a hard or soft inquiry if I completed a loan application. I filled it out and did not get a loan. They lied and did report it on my credit and I want to file a complaint against XXXX XXXX for being untruthful and marking my credit when they said they would not. 

Please keep these corrupt companies in line and make them not hit someone credit when they promise they will not. 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 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BMO BANK NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I opened a checking account in XXXX XXXX with a promo that would give me {$200.00} bonus. It has been 6 months and I have not received 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 monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Vehicle was repossessed or sold the vehicle — 
Company: Westlake Services, LLC
State: NY

Complaint narrative:
Westlake financial services cancel my loan for a used car on XXXX XXXX XXXX because the dealership that i went through submitted a secondary loan contract with my signature unknowing to me. When XXXX from the Westlake verifications department called me on XXXX XXXX, I told her I did not send a second loan contract in. The next few days after I received the Adverse action notice from Westlake, which i have uploaded with my complain. 

My concern is that i did n't commit any fraud and my loan was denied because of the dealership actions, that Westlake knew before they sent out the adverse action notice. And i 'm also really concerned that they said I was denied because of Credit. This has cost me money to retain a lawyer at Westlake 's request, to obtain any paperwork between Westlake and the dealership from them, but they told my attorney I was not a customer and i needed a subpoena to have those documents sent over. So I filed a complaint with The XXXX. Of XXXX Services, and Westlake then turned over my paperwork without that subpoena they requested prior. 

The time in which the loan was canceled/denied, was only 14 days after purchase date. The most significant time frame for expirations on loan are 30 days. 

The loan had already gotten to the verification Department twice in two weeks. Credit was not a reason for the denial. How can this be the reason in your Adverse action Notice sent out? This is not acceptable to me and it should not be acceptable with CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: AMERICAN EXPRESS COMPANY
State: NM

Complaint narrative:
Hello, I had a high balance on my American Express Credit Card in XXXX XXXX. I made 3 payments as follows for the month of XXXX : Friday, XXXX XXXX - {$130.00} Monday, XXXX XXXX - {$130.00} Friday, XXXX XXXX - {$11.00}. XXXX These 3 payments totaled {$11000.00}. At this time American Express charged another {$200.00} in interest. I called an spoke with a rep of the company on Friday, XXXX XXXX and she stated she would have this charge refunded on my account because of the 3 payments made in less than a month. 

The following week I checked my account and saw that the amount had not been refunded. I called and spoke with another rep on Tuesday, XXXX XXXX and he stated that nothing was notated on my account and they would not be honoring the credit. Furthermore, he stated all that was entered from the call on the XXXX XXXX was the rep " entered something '' and it was " denied ''. 

I paid off my account with the company and the stated they would credit the interest charge as there were 3 payments and now they have no record of this promise. I find it hard to believe that there is no recording or better detail of the call to what I was promised. I found that the company is gouging and attempting to gain any dollar amount from a consumer even when they pay them almost {$12000.00} in a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a XXXX Freeze on all XXXX Credit Bureaus. I gave authorization for XXXX XXXX for an inquiry to XXXX Bank on XXXX XXXX, 2017. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX Bank exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( XXXX times ) in the past month when only XXXX time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, 2017 by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, 2017 and my first payment isnt even due as I was approved, yet their company couldnt explain why XXXX more were done. I need XXXX, XXXX and Transunion to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a XXXX  Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX Bank did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!

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 2017-12-05 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have a Security Freeze on all 3 Credit Bureaus. I gave authorization for One Time for an inquiry to XXXX XXXX on XXXX XXXX, XXXX. The dealership, XXXX XXXX XXXX has ran an Inquiry and stated that they could bypass any XXXX freeze on the account. They DID too. I lifted the freeze for a few days ONLY for XXXX XXXX  exclusively. Today I received an alert from XXXX XXXX, the company allowing these other Banks and XXXX XXXX XXXX to access my Credit repeatedly ( 6 times ) in the past month when only one time was allowed and my credit files were still locked!! I have copy of recent Inquiries with dates including today and Sunday, XXXX XXXX, XXXX by XXXX XXXX. I had already had an Inquiry by them in XXXX XXXX, XXXX and my first payment isnt even due as I was approved, yet their company couldnt explain why 2 more were done. I need XXXX, EXPERIAN and XXXX to Freeze my accounts as has been initiated and quit allowing people to acces my files at will as it lowers my score and theyre violating my directives for having a Security Freeze in the first place! Auto dealerships also should NOT be allowed to bypass security freezes! They should have to wait just like XXXX XXXX did for the freeze to be unlocked. Please respond and initiate this complaint as a formal investigation and do not use my name or any personally identifiable information as Im currently exempt form public record and would be a safety issue!

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 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Approximately XXXX XXXX, XXXX I contacted Experian online to place a credit freeze on my account. I did the same with all the other credit monitoring companies. On my next credit card statement I saw a recurring charge of {$21.00} to Experian had been charged. I was especially upset to see that the charge was recurring. I do not know what this charge is for and certainly did not consent to whatever they think they are doing. Today, XXXX XXXX, XXXX, I finally reached an Experian representative by telephone. She told me that she had closed the account. I asked for a confirmation, and she said the one had been sent by email. I have not received any email from Experian. I considered these actions to be fraud.

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 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ME

Complaint narrative:
I accidentally Tried to pay my Bank of America Credit card bill with my Bank of America XXXX account which had a XXXX  balance. When I realized my error moments after doing it I cancelled the payment by hitting the " cancel '' button on the portal. I assumed that this would fix the problem. I then noticed my account having been overdrafted. I then called the XXXX  and they said they would cancel the payment and they didnt, now I keep getting overdraft fees on an empty 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 monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
Portfolio Recovery are trying to collect a debt from me but it is not mine. I never owed anything to XXXX XXXX. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-12-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
equifax is not reporting my date of birth and not letting my company pull credit for credit cra voilation inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX XXXX are trying to collect a debt from me but it is not mine. I never owed anything to Capital one. I called both and they could n't verify that it is actually mine, no address or ID or anything that indicates it belongs to me. 
I asked them to remove and they agreed but yet to happen. 
I need to take a mortgage and they are reporting false item on my report credit and therefore I 'm stuck, loosing money and my house ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Pacific Collections
State: OK

Complaint narrative:
On XXXX XXXX, 2017 I have received an alert from XXXX  that there were some changes from XXXX. There was a Debt collection from XXXX XXXX  XXXX XXXX ( sold to XXXX/XXXX ) for {$330.00}. My credit score went 60 points down. That collection is n't mine, I did n't purchase anything in there nor got any services in there. I live in Oklahoma. I immediately contacted XXXX and that collection agency about that issue. Collection agency refused to provide any evidence of that dept ( that it belongs to me ).

Company response to consumer: Untimely response
Consumer complaint received 2017-12-05 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I filed a complaint already on this, this is unknown and I believe does n't belong to me, please help XXXX prior complaint The account shows as Aargon Agency 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 2017-12-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: MO

Complaint narrative:
I am refinanced XXXX student loans totaling $ XXXX in using XXXX, the loans were originally serviced by Navient. XXXX was excellent to work with and the application process was smooth, with a rate that is excellent. 

XXXX issued the funding payment. 

XXXX - The XXXX payment sent to Navient was applied to only XXXX of my XXXX loans, against instructions provided by XXXX to pay down all loans. This created a ~ $ XXXX positive balance on XXXX of my loans, and approximately $ XXXX outstanding balance on my remaining XXXX other loans. 

XXXX - Navient debited my bank account {$960.00} as usual for my monthly payments even though my cash position as a whole was positive with Navient ( the positive balance on my loan was greater than the negative balance on my other XXXX loans ). 

XXXX - the positive balance on my XXXX loan was reapplied across all outstanding loans. But I am being told it will take XXXX weeks for them to refund me the {$960.00} Navient debited on XXXX. I am out almost $ XXXX for a month now!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
My credit score- according to Equifax- dropped from XXXX ( on XX/XX/XXXX ) to XXXX ( on XX/XX/XXXX ). There is n't any legitimate cause for this score drop. In fact, I have paid down my student loans by approx {$4000.00} per month for the last 4 months ( as of XX/XX/XXXX, Equifax reports I owe {$100000.00} in loans, while XXXX ( loan servicer reports {$98000.00} ). I alos recently paid off 2- tax liens. I 'm extremely frustrated because my credit score consistenly is increasing with XXXX and XXXX but Equifax has me stuck in a tar pit. Screenshot attached regarding discrepancy between XXXX ( 1st screen ) and Equifax ( 2nd screen ) reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PHH Mortgage Services Corporation
State: CA

Complaint narrative:
PHH Mortgage - phhmortgage.com Mortage payment is {$2500.00} - paid exact amount, on time, every month, for over 3 years. 

XX/XX/XXXX : During EFT from XXXX, inserted a '4 ' and did n't notice - making that payment : {$25000.00}, XX/XX/XXXX : We noticed the error - called XXXX - XXXX contacted PHH with me on phone - PHH had deposited the transfer, said they could n't unwind the payment - {$23000.00} does show applied to principal - PHH promised a return of the difference : {$23000.00}, within 7 to 10 days XX/XX/XXXX : Have not seen over-payment returned - amount still credited to Principal - called them, they now say they will return my over-payment in 15 business days - they offer no explanation of why they did n't send the money as promised on XX/XX/XXXX - i asked to speak with a supervisor, and was told they were all busy This is wrong and worrying behavior.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
Baview Loan Servicing XXXX I was NEVER LATE on this account. On my credit report, they are reporting late payments from XX/XX/XXXX througXX/XX/XXXX which is completely inaccurate. I HAVE ALWAYS MADE MY PAYMENTS ON TIME. Every time I call them they tell me that there are NO late payments but somehow they seem to still be reporting on my credit file and preventing me from getting the credit I deserve. I have also attached proof of payments made on time. I need for Bayview to correct this MEGA error immediately!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I can appreciate the bank letting me overdraft at times to cover some of my bills but I think double and triple fees on the same over draft can be over charging a consumer I

Company response to consumer: Closed with monetary relief