vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I had an auto loan with Wells Fargo. In XX/XX/XXXX I started noticing that they reported that I was a payment behind on my auto loan for my XXXX XXXX XXXX. I called them because they went back and changed everything on my credit report showing I was a month behind. When I contacted them they said that I missed the XX/XX/XXXX payment. At that time I went to my bank and they pulled the check and gave me a copy of where the check was received and cashed by Wells Fargo on XX/XX/XXXX. I presented this information and then they said no, it was another payment. I got the next payment they said that I missed and sent them a copy of where the check was cashed by their institution. After going around in circles with them I submitted a complaint to XXXX. I think the guy 's name that was helping me at the time was XXXX. My complaint ID with them at that time was # XXXX. We eventually submitted payments for the entire history of the loan to Wells Fargo and their delinquencies were supposed to be removed from my credit reports as well as my co-signers credit reports. However when I went to review my credit report a few weeks ago, it was on there and this time they showed more delinquencies, even after I traded the car they showed that I missed payments. I officially signed docs on my new car XX/XX/XXXX to get away from this horrible company. They were even paid off by XXXX XXXX XXXX prior to that date. Please help me with this because Wells Fargo knows that they received every payment on time from me and it was proven. XXXX at the XXXX stated that Wells Fargo has a history of doing stuff like this. Every time we spoke to one person they would switch us to someone else. Then when we would call back they would say that person didn't work there anymore. XXXX even had this problem for a while.

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 2018-09-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Equitable Acceptance Corp
State: PA

Complaint narrative:
In XXXX I received a letter from XXXX and they said that I could pay a lesser amount per month than XXXX was offering and my payments would stay in good standing with XXXX and the money, which is XXXX per month, would go towards my student loan balance when this deferment time period was up. they also told me that I would be eligible for XXXX XXXX XXXX at that time and could possible have my loans paid off. I started receiving papers from XXXX, which is my loan servicer, about renewing my temporary hardship paperwork and I asked them if my record of payments being made to NationalStudentLoans.us via Equitable Acceptance of the XXXX/month was showing paid to them. This is not the case at all. I confirmed with a XXXX rep on XX/XX/XXXX that this loan company is a scam and that I have been basically paying them for my temporary hardship/forbearance when XXXX already has me on one and I just need to renew it and its a free service. XXXX has no record of payments and I have been paying this company since XX/XX/XXXX and its basically a credit line that I have nothing show for, no merchandise purchased, no card, and no payment reporting to XXXX. If I had known that I would be paying this company for nothing common sense would have told anyone that it is a bad deal but instead I was lead to believe this would benefit me in the long run with the status of my student loans and balance. Now this fraud and scam based company has all my info which is truly worrisome. I have a folder full ofdocuments ( too much to upload but can fax any necessary papers ) including individual names of correspondents and up to date account balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
On XX/XX/XXXX I submitted a complaint with CFPB to contact Sequium Asset Solutions. I never received written documentation of my debt or how to pay or my rights. According to the complaint, Sequim updated my contact information, but they never sent me any information via US mail. They also provided a number in which I contacted numerous times and left messages. The company refuses to work toward a resolution of my debt or getting this removed from my credit. I require WRITTEN documentation via US mail before I'm willing to pay the debt. Sequim has my information and can easily send it to me and I will pay the debt. They have not done so and it has been over a month at this point and is why I'm filling an additional complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I asked for a loan for boa, in the amount of XXXX with a five percent down, everything was going fine until the underwriter said it was impossible to comute form XXXX to XXXX where I work, so the bank wanted XXXX more because of my comute, I feel that is not fair to assume such thing, so I had to close the loan out after losing about XXXX in lawyer fees and a check to the broker to start the process.i feel boa should have told me upfront that they had problems with my commute.this was informed to me on XX/XX/18, two weeks into the loan process when my loan officer was telling me everything was all right.

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 2018-09-23 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: Certified Solutions, Inc
State: NJ

Complaint narrative:
Dear CFPB : this matter is in regards of a debt of : {$640.00}. This bill from one of the hospitals i was there around XX/XX/2018, and I aplied for charity care. The collection agency wrote me a letter dated : XX/XX/2018 and I answer them before the 30 days. I explain to them DO NOT CALL ME, DO NOT HARRAS ME, to please to get in touch with the hospital financial/charity care office. I also ask them to mail me within 30 days bye State and Federal Laws. Copies of my bills, receives, copies of my policy number and also i told them do not call me any more and to contact my attorney if need it. Thank you Very truly yours.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have reached out to Experian several times, but with no success in them correcting my full credit report. Due to the fact that I was a victim of identity theft, I decided to have all credit bureaus to show my legal first and last name, and my current residence address only. Experian was sent on XX/XX/2018 a notarized copy of my utility bill, drivers license, and my social security card which shows XXXX XXXX and my address XXXX XXXX XXXX XXXX. When receiving my updated credit report Experian did as they wished not as I requested of them- under my legal right. You will find a copy of my police report where I reported identity theft, you will also find 2 copies of certified letters. 

The first certified letter requested the above, the second certified letter included the removal Again of all unnecessary names, addresses, date of birth, phone numbers which majority are incorrect anyway. Now they show a spouse or co-applicant on my report which is my daughters current name XXXX and my deceased mother which neither is a co-applicant to anything I own. I did inform Experian on my first request to update their records that if it was not done in a timely manner I would move forward to report them not only to your establishment, but also to the Attorney General as well as the Better Business Bureau. I am not able to download my documentation but I am more than willing to have this information mailed to your establishment. 

Your help in this matter would certainly be appreciated. 

Thank you in advance, 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 non-monetary relief
Consumer complaint received 2018-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BARCLAYS BANK DELAWARE
State: TN

Complaint narrative:
In XX/XX/2017 I opened an account with XXXX XXXX and was awarded a credit limit of {$2000.00}. Since opening the account I have always paid on time and never went over my credit limit, until this summer when a contract I was working paid slow and I fell slightly behind on receiving income for 1.5 months. During that time I was only able to pay household bills and went slightly over 30 days on my Barclays card. Once my income resumed, I made a substantial payment of {$1800.00} to Barclays and paid off a few of my other cards to {$0.00} balance. Barclays accepted my payment, then without notification reduces my over credit to {$550.00} a difference of $ XXXX That not only reduced my over all credit balance but also increased my credit usage on my credit report. The balance owed was {$340.00} out of {$2000.00} ( 17.25 % usage ) to {$340.00} out of {$550.00} ( 62.73 % usage ).

I called Barclays for an explanation and they informed me they did a pull of my credit report ( not sure if that is legal ) and I was reporting over limit on another credit card NOT ASSOCIATED WITH THEM so they lowered their risk and reduced my credit limit by {$1400.00}. I did not apply for new credit and do not recall allowing them to pull my credit report whenever they want or deem appropriate.

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 2018-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I accidentally paid my bill on my XXXX XXXX XXXX XXXX credit card a few days late the last 2 months due to medical issues and being in and out of the hospital, however the bills were paid. The company suspended my use of the card, then decreased my credit limit from {$1600.00} to {$950.00}! I have had this card for over a year and this was the first time I have ever had any issues!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX has pulled my credit 10 times on my all of my store cards then proceeds to reject my credit limit increase requests stating that they werent able to pull my credit. I now have over 10 inquiries from them for them, and theyre fraudulently saying they were unable to pull it. The accounts that were pulled were XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: FL

Complaint narrative:
Complaint against Rushmore Loan Management Services for  unauthorized increase to my fixed mortgage payment apparently for lack of required insurance. My property is a condo, and the XXXX XXXX insurance policy includes flood and liability insurance. I have repeatedly sent this proof of insurance to Rushmore. However, in XX/XX/2018, Rushmore increased my fixed mortgage payment by approximately {$79.00} without explanation or any notice. I have tried to understand why in a phone but they couldnt explain why this action was take or even what it was for other than premium payment! 
Instead, they are attempting to verify coverage despite my mailing proof of coverage. Every year they harass me by claiming they havent received proof despite verification from XXXX, the website they use plus the receipt of hard copy proof. However, never have they charged me for a premium as they did in XXXX. 
I find this company as the most incompetent and fraudulent institution I have ever dealt with in my XXXX years on this earth. I was so sorry to see my loan was sold to them a few years ago as I have never had this problem with other banks on this loan. What used to be an annual routine submission has turned into a nightmare. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Selene Finance LP
State: FL

Complaint narrative:
I had a HELOC equity line account with XXXX XXXX  XXXX, opened in XXXX. The loan was sold to XXXX XXXX with the servicing company SELENE FINANCE. I have been current on payments all the way through XXXX, at which time SELENE offered to allow deferment due to hurricane Irma and damages, loss of income I received. The payments were always around {$250.00} for the Equity LIne. I signed a deferment with Selene and the payments went to {$580.00} during the deferment period. After the deferment ended in XX/XX/XXXX I was expecting the payments to go back down. Instead Selene insists that my payments are now {$1200.00} a month. Stating that the loan was past due and reported my loan 120+ late. I have tried to work with Selene who offered me a modification. I am now receiving certified letters stating INTENT TO ACCELERATE on my loan. I do not want to lose my home. This is my primary residence. IF they take my house, my daughters and I will be XXXX.Selene Finance sent me a letter dated XX/XX/XXXX stating if I do not pay {$13000.00} by XX/XX/XXXX they will begin foreclosure proceedings.

Letter is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: FL

Complaint narrative:
This complaint concerns HSBC.

A promotional offer by HSBC was made inXX/XX/2018, Open an HSBC Premier Checking account and deposit {$100000.00}, within a 30 day period of opening the account and leave the {$100000.00}, in that account for a period of 90 days and then HSBC would pay a {$750.00}, bonus within a 8 week period. 

I opened a Premier Checking Account on XX/XX/2018, with a small deposit of {$10.00}, on XX/XX/2018, I deposited an additional {$100000.00}, in this account and the amount of {$100000.00}, plus a small amount of interest remained in this account until XX/XX/2018, when I withdrew {$100000.00}, well beyond the required 90 day period to qualify to receive the {$750.00} bonus, as of today, that is well beyond the 8 week period of time that HSBC said that the {$750.00}, bonus would be paid to me, I have not received the {$750.00}, bonus and I have invested more than 8 hours of my time on the HSBC chat room, emailing to my HSBC personal banker, and telephone conversations trying to resolve this matter, all I have been offered by HSBC is excuses and emails that said I did qualify for the {$750.00} bonus but they have only offered the excuses of it's a computer systems problem, to they don't know why and that the {$750.00} bonus would be deposited in my account no later than XX/XX/2018, as I said I have not received the {$750.00} bonus as of today, I have all of the direct emails, and the emails from the HSBC chat room are in my posession, the recorded telephone conversations with HSBC are stored on the HSBC recorded telephone conversation system database, I am willing to give these to any person that is qualified and authorised to see or hear them, and I have all of the names of all of the HSBC employees that I have been in communication with in an attempt to resolve this matter, I was contacted 12 days ago by a senior HSBC employee, XXXX XXXX, by email and she offered to discuss the situation with me if I desired that, I have contacted her numerous times by telephone and email and left voicemails and emails to talk to her but she has never contacted me back at all, other than the 1 email she sent to me 12 days ago, I went through a lot of aggravation and effort to scrape together the {$100000.00} so that I would be able to obtain the {$750.00} bonus offer and the people I received this money from have lost faith in me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Diversified Consultants, Inc.
State: OH

Complaint narrative:
On XX/XX/2018 I received a notification on a couple of sites called XXXX XXXX, XXXX XXXX and XXXX XXXX XXXX XXXX informing me that a company by the name of Diversified Consultants had place a collection in the amount of {$2100.00} on my credit report without notifying me in writing that I owe the money which they didn't and notify me of my rights to dispute this debt they say I owe which they didn't either and it wasn't within a certain amount of time. I don't know this collection agency and I would like this to be removed from all 3 credit reports which are XXXX, XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: IN

Complaint narrative:
I purchased a XXXX prepaid card on XX/XX/XXXX2018 and was told at register after I loaded {$230.00} onto it would be immediately available for use. I went outside tried to activate the card and it keeps declining do to identity verify. I tried to return it right away within 10 min of purchase without even leaving their parking lot on XX/XX/XXXX2018 as I couldnt use it and was denied do to it being a prepaid card. I called XXXX card the same day setup a pin and gave my information they said they couldnt verify all I would need to email them color copies of my ID, front + back of the prepaid card and copy of the receipt before would be activated to incomms email they gave me. I sent in the documents as they requested onXX/XX/XXXX2018z When I call them today XX/XX/XXXX2018 to see if it has been completed Im told they want color copy of my social security card now emailed to them. I dont feel comfortable emailing them all my personal information they are now requesting I shouldnt have to provide. Ive already provided my state issued identification and proof of address and Purchase of the card. I simply asked to get a refund sent to my address shown on my Id with the receipts and proof of card purchase. They are denying me access to my funds which I have proved are mine and have receipts for everything. This is not fair for them to take my money and hold it hostage while failing to give me reasonable option to release. I want my money returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: AL

Complaint narrative:
Made a payment of {$160.00} dollars to Navient by the payment due date and they sent me another statement for XX/XX/2018. 

Navient is overcharging me for my loan. I am very disappointed they told me two of my loans could not be eligible for lower payments, but I am in a hardship. I provided the representative with all of my financial information.

Navient is doing students wrong I have other student loans and there website says that they may be able to lower payments if there are other student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
As I had filed a complaint regarding XXXX XXXX XXXX XXXX rewards program, refusing to give points for my purchase {$59.00} and credit account balance CFPB # XXXX. Now XXXX XXXX XXXX XXXX changed the Order Number : # XXXX receipt transactions is " blank '' not identifying products purchased ( see Attached ). 
However, the original receipt of purchase Order Number : # XXXX shows what I ordered and identifying the products purchased {$82.00} I ordered boots and {$84.00} I ordered perfume which is a third party and {$59.00} was the reef and leggings which XXXX XXXX XXXX XXXX did not give me any points. 

XXXX XXXX got rid of fragrance and perfumes on the website ( See Attached ) which is a third party company XXXX. I believe they are trying to hide something and be deceitful because I filed a complaint against their rewards program, refusing to give me points toward my purchase of {$59.00} leggings and reef and my account credit balance which is wrong, it's not {$100.00} which someone is stealing my credit. Then they erase the perfume and boots I ordered please see receipt # XXXX and erase perfume and fragrance from the XXXX XXXX website ( see attached ) to hide their dishonesty and deception on my orders, stealing my credit and rewards. 


XXXX XXXX XXXX XXXX keep changing the rewards report acting retaliatory and belligerent not consistent with their on terms and conditions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian will not allow me to freeze my credit online, they are asking for information that would make me jump through a lot of hoops, for instance, a police report. A police report of what? Everything has to be done by regular mail, yet I have an account and can view my credit history.

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