vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
In late XXXX of 2017 I paid a Principal Payment to my Line of Credit account at my former bank Santander in the sum of $ XXXX.I then received a letter from the bank that I was forced to pay a late fee of {$69.00} for not making the regular payment. For more than 6 months up till XXXX XXXX of 2017 I paid my bill in Principal.I was angry and infuriated at Santander and their predatory practices not only I paid them {$70.00} I paid an additional {$21.00} to cover the fine which made no sense.

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 2017-08-16 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have filed numerous complaints with all available agencies. I have requested to have my Bank of America/Unemployment account investigated. Bank records do not match merchant records with no explanation to the account holder. When complaints are answered I am told I did not tell Bank of America in the time allowed and due to them being strictly governed by Bank of America Visa that they do not have to investigate regardless if the accounting done by the bank for fraudulent charges or the merchant can be reconciled. After three years I have learned one of the many persons that have been able to bill to my Bank of America Visa card. I will attach the information below but I would like to be protected like I should of been in 2013 when Bank of America flagged the account for fraud two days after this began and released it with no notification to the account holder. If the account would of been locked as normal businesses and financial institutions state they do, I would of been alerted. Why was this allowed and why was I not notified or have I ever been sent actual bank statements.
Attached 1 accounts listed as administrators on my XXXX device!
2 Screen shot of the person that has fb account XXXX ( address bar ) 3 screen shot showing that it is his account number which makes it linked to my bank because he is in possession of a prior phone number. I do not know this person whatsoever!

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 2017-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, XXXX LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I PURCHASED XXXX XXXX IN XX/XX/XXXX AND THE CREDIT LISTING REPORTS 1 ( 30 ) DAY LATE PAYMENT ON CREDIT REPORT IN XX/XX/XXXX. HOWEVER, EXPERIAN LISTS LATE PAYMENT AS XX/XX/XXXX ... .I HAVE SIGNED DOCUMENTATION TO SUPPORT PURCHASE OF VEHICLE XX/XX/XXXX ( ATTACHMENT ) ; I ALSO WAS ON AUTO PAYMENT FROM IMMEDIATE PURCHASE. I NEED LATE PAYMENT ( S ) REMOVED AS IT IS INACCURATE.

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 2017-08-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MA

Complaint narrative:
Navy Federal Credit Union foreclosed on my second mortgage XXXX 2014, prior to my XXXX XXXX with the XXXX even after I submitted to them a letter by the XXXX XXXXXXXX of the XXXX center explaining why I was not being paid ( a flood in the payroll building ). I was told by Navy Federal 's representative that my loan was " written off '' and I would receive a XXXX that I could not make any payments on the loan. However, yesterday I tried to apply for a pre-approval of a mortgage learning that my loan was not forgiven but rather being listed as negative debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Portfolio Recovery Associates, LLC
State: OH

Complaint narrative:
Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: UT

Complaint narrative:
I refinanced my loan the beginning of 2016. I have never one time missed a payment and I pay more than whats due every month. Loan Care is reporting me 30 days late recurring for over a year and I have never missed a payment. I have spoken with them hundreds of times and nobody there can even tell me why they are showing me late. They transfer me around to other people who do n't know what they are talking about and nobody there will actually fix the problem or help me. I have proof of all my payments and I do not miss any on any accounts. This is seriously affecting me and they will not help me. How can I be late since the start of the loan when I have made the payments monthly. They are charging me fees every month for being late but yet they ca n't tell me where I went late.
I have the proof of my payments that I have provided them monthly and not one time have they ever proved to me why they are reporting late. Yet I sit here paying late fees for a year and a half all the while getting 30 day lates every month.
They need to be regulated, how can they even do this?? I need help and I need it fixed.
I 'd like to know how these companies get away with this and apparently can do whatever they want and I have no recourse?

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 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENCORE CAPITAL GROUP INC.
State: OR

Complaint narrative:
This debt was satisfied on XXXX-2016. I have contacted XXXX regarding this debt asking them to remove this from my report as it has already been satisfied. I also sent them the letter they sent me stating it has been satisfied. They continue to call me harassing me.

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 2017-08-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: IA

Complaint narrative:
In reference to Complaint -- XXXX IDT CLAIM XXXX ( CC # XXXX CHECKING # XXXX XXXX OCC CASE # XXXX FTC # XXXX U.S. Bank response is  the Judgement, OR ORIGINAL COMPLAINT IS THIS. THE JUDGEMENT DID not originate from U.S. Bank, but instead originate from XXXX XXXX XXXX. ARE YOU SERIOUS? IT CAME FROM U.S. BANK. IT 'S PRETTY OBVIOUS IT DID, B/C YOU GUYS ISSUED IT DIRECTLY. In addition to that, FTC Laws require U.S. Bank to produce documents of their investigation, notes, files, etc.. 30 days from XXXX XXXX2017 should already be received by XXXX XXXX,2017, where are those documents and records at? u.s. bank also states its not identity theft b/c I knew the suspect. INCORRECT, IT 'S IDENTITY THEFT B/C HE STOLE MY IDENTITY, AND OPENED AN ACCOUNT WITHOUT MY KNOWLEDGE USING MY IDENTITY, I IN ADDITION TO TAKING SCHOOL LOANS, BY STEALING MY IDENTITY TO DO IT, AND RECEIVING SCHOOL REFUNDS AS A DIRECT DEPOSITS INTO THE ID THIEF ACCT # XXXX. THEN HE CLOSED IT AFTER HE RECEIVED THE MONEY. I REPORTED ALL THIS TO THE POLICE DEPARTMENT AND IS IN THE POLICE REPORT ALREADY. YOU GUYS HAVE ALL THE DOCUMENTS.

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 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Paid debt aware it did n't update on my credit reports but they only argue and tell me to do what I need to do and this was a manager

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 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Someone has found their way into opening up new accounts in my name that ARE NOT mine. Bankruptsies are also showing up on my report that are fraudulently reporting against me past the statute of limitations on top of that! I reported this to Experian and XXXX & XXXX on both XX/XX/XXXX and XX/XX/XXXX. I mailed formal letters, a police report, ID forms, and an FTC affidavit stating these were fraud and must be removed. We are more than 45 days past the legal investigation time period. No valid documentation has been provided to me that these are mine.Bankruptsy ref # XXXX, XX/XX/XXXX, XX/XX/XXXX, {$0.00}, Bankruptsy ref # XXXX, XX/XX/XXXX $ XXXX,XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX SVC acct # XXXX XX/XX/XXXX {$7900.00}, XXXX XXXX XXXX acct . # XXXX XX/XX/XXXX, {$160.00}, XXXX XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$0.00}, XXXX XXXX XXXX Acct. # XXXX XX/XX/XXXX, {$7900.00} INQUIRIES NOT MINE : XXXX XX/XX/XXXX, XXXX, XXXX card XX/XX/XXXX, XXXX XXXX  XX/XX/XXXX, XX/XX/XXXX , XXXX XXXX XX/XX/XXXX, XXXX/XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX, XX/XX/XXXX PLEASE REMOVE IMMEDIATELY!

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 2017-08-16 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: AL

Complaint narrative:
I have sent proof of Deletion from the Creditor to XXXX and to XXXX on two accounts that they are refusing to remove. They dispute it and then place it back in collections when the proof had been sent by the Creditors and myself numerous times. The collection is in the amount of {$2600.00} from Hunter Warfield stating " in collections '' " unpaid ''. This account was paid back in XXXX.Date assigned XX/XX/XXXX XXXX XXXX XXXX is the other creditor and it states " collection account '' " seriously past due ''. The amount listed is {$590.00} ( date assigned XX/XX/XXXX and XX/XX/XXXX ) .This account is on all 3 credit bureaus. ( XXXX, XXXX, XXXX ) I have called numerous times to have these items removed from my reports completely and sent the proof via certified mail, fax, and online. I 've spoken with the Creditors themselves who have also sent the proof numerous times. I 've been given control numbers to give to the credit bureaus, but they never let me give it to them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
On X/XX/2017 I processed a transfer of $XXXX with Western Union to XXXX, XXXX tracking # XXXX. The charge for a transfer within minutes was $XXXX. the charge for transfer within 4 days was $XXXX. I paid the $XXXX. It has been 3 days and the funds have not been available yet. 
WU said that the money is now available after delay for processing, validations & approvals.
Since they admitted that they failed to deliver as promised I requested a credit $XXXX for the  difference between the instant & the 3-5 day delivery charge. They refused & said they will give me points for the next transaction I make. I don't plan on making any transactions with them.
The link below is for their website for money transfers
 https://www.westernunion.com/us/en/send-money/app/start

ps i see today that the in minutes transfer cost has gone up & the 4 business days cost has gone down!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: American Financial Resources, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX we signed a contingency form providing our $ XXXX. deposit. On XX/XX/XXXX we, my sister and I submitted an application for a mortgage. As of today 's date no definite response has been provided from the mortgage company AFR, American Financial Resources. On XX/XX/XXXX our contingency date was up on our mortgage commitment. We were told that the appraisers had sent an incorrect form, then there was a problem the AFR could not open the file sent from the appraisal. Our realtor applied for a two day extension with the sellers, as we were told that the appraisal had held back the commitment of the loan. On XX/XX/XXXX we signed a second contingency form as there was still not commitment forth coming. The reason given for the lack of commitment was the underwriter was on vacation and the loan was sent to another examiner. On XX/XX/XXXX we signed a third contingency from the reason given the loan processor required a change in the insurance policy of the complex. I would have thought the insurance policy of the complex should have be reviewed at the beginning of the loan origination. My sister and myself have signed numerous letters of explanation as well as provided numerous pay stubs and bank statements, employment verification 's. I do realize that this is part of the loan process. However, my sister received a phone call from one of the examiner 's he said he was calling the utility company to verify her balance with the utility company. When all parties were on the line he asked the representative if she was delinquent on her account. It turned out she was on a payment program. She lives on the east coast and heating raises the bill during the winter months. My addresses were verified as far back as XXXX. Almost twenty years ago .... I was also asked if I was ever married. Then I was asked how many times. I am applying for a loan based on my income. My marriage ended in XXXX. We have both felt under excessive scrutiny, and delay tactics. The complaint is about two things : First the length of time for the approval Second, is there a scrutiny tactic at work here based on sexism? I would appreciate the follow up service you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Today XX/XX/XXXX, I received a letter trying to collect on a debt that is 1. over 8 years old, and 2. paid off in XXXX, and 3. I paid taxes on it. I called and spoke to XXXX, she was not a good rep and not helpful. I told her that I paid this debt in XXXX and paid the taxes on the debt cancellation, which she seemed like she had no idea what that is. I also mentioned that I was not happy over the fact that they are trying to collect on a debt over eight years old, and also that I paid on it in XXXX, and I have proof. That I would need their information so that my attorney can contact them since this is clearly illegal. She also said this would not go on my credit report, I found that strange. Most all collection companies report it. I worked very hard getting my credit back up to 700+. A few minutes go by, I got my old records out of my XXXX account and my CPA 's records, I thought I need to call them back and get th complete account number to reference to to give to my attorney. When I called, the person I spoke to gave me no name, I asked for the account number she said there is not one, and I said that this seems to be illegal that they are trying to collect twice on the account and its over 7 years old, she immediately hung up. I was nice to each persons on phone, but firm in voice, as they were too. The Company name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX NV XXXX XXXX Ref # XXXX Amount : {$4300.00} Original Creditor : Wells Fargo Bank Current Creditor : 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 2017-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: FIFTH THIRD FINANCIAL CORPORATION
State: OH

Complaint narrative:
Received an advertisement in the mail from Fifth Third Bank stating a cash bonus will be given in the amount of {$200.00} for opening a checking account with qualifying activities. The qualifying activities listed on the ad state : must be opened by XX/XX/XXXX, {$50.00} minimum deposit and can not be Basic Checking, Express Banking or Private Bank products. Ad also stated the cash bonus will be deposited into checking account within 10 business days of account opening and you could open the account by visiting a branch or calling XXXX. I called on XX/XX/XXXX and spoke with a rep who confirmed the details on the ad and further stated that if I have a direct deposit of at least {$500.00}, I will receivable an additional promotion of {$53.00} and will avoid the monthly fee of {$8.00} ( monthly fee waived due to employer being one of their partners ). The {$50.00} minimum deposit would be satisfied with the direct deposit of {$500.00}. I agreed and opened the account on XX/XX/XXXX and to date have had 2 direct deposits posted to the account. I have contacted Fifth Third 4 times and was advised on the 1st call that it would be posted XXXX on the 2nd call that it would post XXXX on the 3rd call he would speak with supervisor and call me back ( never received a response ), called today ( 4th call ) and was told that the bank has until XX/XX/XXXX to deposit the funds despite what the ad said and despite me keeping my end of the bargain. This is poor customer service and the information provided on the ad and by the sales rep is misleading and misinformation. I went to a branch today and closed my account. The rep asked me why, I told her the situation and she told me she understood. Did not even offer to rectify the issue once and for all. No longer want to deal with this company, who knows what else they mislead customers about.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-16 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
CHASE CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX CARD IS REPORTING 1 ( 30 ) DAY LATE IN XXXX, 2016. THIS IS FALSE AND UNTRUE. I PAY ALL OF MY BILLS EACH MONTH.

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 2017-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Google Compare Credit Cards Inc.
State: CA

Complaint narrative:
I have filed numerous complaints with every available agency requesting that XXXX/Google investigate the fraudulent transactions and wallet account that was made without my knowledge or consent. I am now providing what I have asked Google to provide for the last three years. There is no way Google does not have the information I will be attaching. They have deleted XXXX from the account an now state its on someone else 's account, that was able to take all of my unemployment benefits with no password required as google stated in a prior response. Google also stated that all monies were refunded did they then refund to the account that was tied to mine? I did not receive that money, I would like to see proof that its my account, since all merchants stated I made no purchases. The attached documents are proof this was not my doing. Not including all of the conflicting information that has been on every other complaint. Not one charge am I able to verify or know who made. I am a identity theft victim. The person on the attached documents lives less than a hour away from me and knows were I am at all times due to XXXX XXXX and being linked to the account. Google will not protect me and has not protected my info as it states they do.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-16 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: Convergent Resources, Inc.
State: LA

Complaint narrative:
XXXX XXXX {$1000.00} i never did business with this company, i am not responsible for this debt

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