vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-07-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Fee problem
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I am making a complaint due to improper sales practices by Santander Bank. I created this account specifically to warn anyone thinking of banking with Santander to run AS FAR AWAY from this bank as you can, specifically if you receive wire transfers.

I opened up an account specifically because on the Santander website, it stated that " Recipient saves money as the incoming wire in foreign currency has no fee ''. 


Proof : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I contacted a customer service rep just to be sure, and they told me there would be no fee assessed if the funds are incoming in a foreign currency. I also asked if there would be an intermediary bank used to assess the foreign currency ( since my company prohibits this ), and she said since Santander was a large enough bank, it would be processed directly by them. I thought to myself " Perfect! I can use this as my bank account to receive money while I teach online. Then, I go to the branch itself to open up the account, and SURPRISE! The rep said there would be a {$13.00} fee assessed, and that Santander uses and intermediary bank. She calls a service rep to confirm, and he sided with her. I call another service rep, and they say that no fee is assessed. She even wrote on my account that no fee should be assessed for the incoming wire transfers in foreign currency. I asked for this in writing, and this is when they began dodging my calls. I even had a rep hang up on me. 


Four more phone calls to 3 different service reps, 3 different departments, and 4 hours in total on hold later, the service rep replies " I really don't know. Is there anything else I can assist you with? '' I asked to speak with a manager, who said " We charge a fee. '' Me : " So the website is incorrect? '' Manager : " Well, presently, we need to update the information on the website to better reflect ... '' Me : " So the website is incorrect? '' Manager : " Yes '' And hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Sterling Infosystems Inc.
State: CA

Complaint narrative:
I been with a lot of companies, that has used XXXX XXXX XXXX. I been cleared with XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX XXXX. They all had used XXXX XXXX XXXX. So I don't understand when XXXX requests a background check, they seems to have me as a XXXX, I have not been a XXXX for almost 20 years, and I hated that job. I was treated unfairly. I never renew my certificate for XXXX because I didn't like it. So my question is, is why does this only happens with XXXX. This cost me a good job. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This company, SLS, bought our HELOC in XX/XX/XXXX. It took awhile to get everything to transfer over, but we finally had everything completed on XX/XX/XXXX when we deposited XXXX from back pay. Attached are 5 pages of transactions starting on XX/XX/XXXX and ending with XX/XX/XXXX. My balance increases daily, when the only transactions are DEPOSITS from my husbands employment. No one at the company seems to be able to answer any questions regarding what the wording on their forms mean, and when pressed for explanations, they say they will send an " inquiry '' to the accounting department. Then I am to call back in 7 to 10 days to find out the accounting dept 's response. I have done this once in the past, and when I called back 7 days later, there was no record that any request was even sent to accounting. And on pages 4 and 5, on XX/XX/XXXX and XX/XX/XXXX, there are so many transactions - reversals, single item receipts (? ), reversals, and Unapplied Funds Unidentified (? ). And all the time, my balance increases ( which means I pay more interest ) when it should be decreasing. Help me understand.

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 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Clearview Resolution Services
State: OR

Complaint narrative:
XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX left messages with no details threatening proceedings saying I have only a certain amount of time to respond with a statement threatening to come to my place of business and will not stop calling. I dont know who they are, who they represent, have never received anything in writing and they call using fake phone numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30-DAY LATE PAYMENT XX/XX/2018 - 60-DAY LATE PAYMENT XX/XX/2018 - 90-DAY LATE PAYMENT XX/XX/2018 - 120-DAY LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or went to a wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Self Lender Inc
State: PA

Complaint narrative:
I started a self lender acct in XX/XX/XXXX for credit improvement. I agreed to pay {$50.00} monthly for 12 months, any the end of the 12 months I would get my money back, in the meantime each month when payments are mad it is reported to all 3 credit bereaus as positive reporting. On XX/XX/XXXX I received an email stating my acct has been closed, and I was notified my credit score dropped 120 points. When I contacted self lender they stated they would need to look into it, as I did my research I realized once my checking acct was closed due to fraud the payment did not automatically go through for XXXX. Self Lender reported that I had not made a payment since XX/XX/XXXX to all 3 CRAs! This information is inaccurate, and is currently and drastically effected my credit score. I have contacted self lender 5x and it has been over a month, and yet they still have no answer, and I was told they are working on the issue with their banking partners. This needs to be fixed ASAP or I am seeking legal representation!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, I have been called American Express reward card service to add 2 additional card holders in mid XX/XX/2018. I have been informed that upon adding them via phone I will be getting the card for them and XXXX points for each card holders. I have been provided personal information of my parents including passport numbers. After several weeks the cards did not arrived and I called back. I have been told that there was no audit trail of my request and this was confirmed also after an additional investigation. None apologise or try to solve the issue. It is so scaring that I have provided Amex with personal information and none recorded the call or the request. I am really scared. this is not the way my data or the data of my parents should be used.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-07-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo has my mortgage and my husband refinanced our new home in XX/XX/XXXX with them for an adjustable mortgage My husband died in XX/XX/XXXX and I have consistently paid over the payment required.

They recently adjusted my mortgage my 3.125 to 3.625 and I have a payment of XXXX and made payment of XXXX. 
the original loan was XXXX and new balance is XXXX. 
There have been things about this mortgage which I have questioned but talking to them gets me nowhere, Now this payment they gave me XXXX on principal and rest on interest. I got credited amount over XXXX to principal. 
Never Never Have i ever had only XXXX of the regular part of payment applied toward principal. 
I really believe because I have been paying so much consistently over mortgage amount that things just are not right. My husband got talked into this loan and I remember them saying by paying XXXX over amount due we would knock years off loan. 
. There is something way wrong with this entire mortgage and I do not know what to do?? I can remember in the beginning I had made a payment early and got no money credited to principal and only interest and they told me no one told me to make the payment early. I got no where with them and now I wish someone would review my payments and the practices of Wells Fargo mortgage, I really believe Wells Fargo has some questionable practices and I realized my husband consented to this mortgage but something is wrong and I need help. 
I do remember they wanted to increase the amount and I told my husband no way because mortgage total due would be more and we did not do that.

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 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Choice Recovery, Inc.
State: OH

Complaint narrative:
I have a a unverified account from Choice Recovery Inc. I had previously disputed this account. I have never done business withChoice Recovery Inc. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that XXXX XXXX Provide verification of the following : 1. ) The original Application or contract 2. ) Any and all statements allegedly related to this debt 3. ) Any and all signed receipts 4. ) Any and all canceled checks 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Choice Recovery IncCease and Desist all further communications and collection activesand  provide the verification of the purported debt. 
I need a physical copy for my records contract, proof of claim,

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The CBE Group, Inc.
State: OH

Complaint narrative:
I have a unverified account from CBE. I had previously disputed this account. I have never done business with CBE. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that CBE Cease and Desist all further communications and collection actives and provide the verification of the purported debt. I need a physical copy for my records a signed contract, proof of claim, any documentation for my legal protections and rights to know if in fact this claim can be enforced upon my person.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CO

Complaint narrative:
I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with Capital One causing my credit report to reflect my account being 3 payments late and a drop in my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: Netspend Corporation
State: IL

Complaint narrative:
To Whom It May Concern, I am writing as a very aggravated and displeased customer! I have an acct with your company that was placed on hold without my knowledge! Only to find out while attempting to purchase gas and was declined! I called a total of 3 or 4 Times lastnight with each calling an average of 45 mins to an hour hold with many complications when asking to speak with a supervisor! My thoughts are that you are a cold hearted company with no regards to your customer! How could you be comfortable with placing a custom on hold for that long of a time knowing she advised she was stranded at the gas station with no gas and questioning the reason for the decline of my card! If you felt there was a security concern or issue why would you not reach out to your customer before restricting there acct and them being embarrassed with a decline! I will also be reaching out to the Federal Commissioner office because this type of service is very unprofessional, unwanted, and unappreciated! Please reach out to me so transfer my money {$410.00} by XXXX XXXX and cancelling this acct!

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 2018-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On around XX/XX/2018 I applied for a XXXX card from Capital One and I received a XXXX XXXX XXXX XXXX XXXX with my excellent credit scores of XXXX XXXX and XXXX XXXX. 

My credit limit was only XXXX and I just received my XXXX XXXX XXXX XXXX XXXX on XX/XX/2018 and I did request a higher credit increase over XXXX and made contact with Capital One rep on XX/XX/2018. 

With my excellent credit scores I should have receive a credit limit around XXXX or more and my XXXX Card that I requested. 

I am XXXX XXXX and XXXX .Very Urgent Matters

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: TX

Complaint narrative:
Greetings, Property, : XXXX XXXX XXXX, XXXX Texas XXXX You may have to open another category for such a Misrepresentation of facts and complaints. 
As an investor who purchased a property from XXXX County Constables Foreclosure Auction located in XXXX Texas on XX/XX/2018 Im contacting your office asking for assistance. 
This is about attorneys ( Linebarger Goggan Blair & Sampson, LLP ) which representing the XXXX County at least in this matter. Misrepresentation of fact and or mistakes has happened which is outrageous and despicable. 
This law firm representing XXXX County constables foreclosure auction which take place on first Tuesday of every months and this law firm is responsible party for all legal work and data presenting to constables for all eight ( 8 ) Precincts for Auction. 
This is about a house which was sold in the same auction for a value based on what it has been apprised by XXXX County appraisal district ( XXXX ) ( attachment1 ) and Daily Court Review News paper release ( Attachment2 ) and their wide screen monitor. 
the picture of house shown in the picture ( attachments3 )  MYSTERIOUSLY THE HOUSE DOESN'T EXIST but a empty lot. 
Obviously the law firm didnt correct the fact and irresponsibly sent the incorrect information to constable, as constable informed me. 
I have called the law firm and spoke to person named XXXX few times he agreed with me however he didnt have any authority to rewind the sale or offer any solution except asking me to talk to attorney in charge Ms. XXXX who refused to come to the phone to talk to me. Then XXXX asked me to write her a letter and I wrote three letters one certified mail and two e-mails explaining the problem but Ms. XXXX sent me an e mail and offered no solution. 
I understood attorney XXXX is the attorney in charge of this matter and she is not willing to admit her mistake and misrepresentation of the fact. 
I went and met Sergeant XXXX who is the head of XXXX county constable foreclosure auction for XXXX XXXX ( where the property was bought ) and he is the in charge officer who sold the property to me as a higher bidder, Sergeant XXXX agreed 100 % the mistake or misrepresentation has occurred by Linebarger Goggan Blair & Sampson, LLP law firm and they are the one who need to correct or rewind the sale, but attorney XXXX refused to do anything about it. 
At this point I contacted your office ( CFPB ) to file a complaint and the lady at your office asked me the it is better to file complain on line. 
Your assistance in this obvious wrong doing is greatly appreciated, For any additional information please call or e-mail me, Thanks, Regards, XX/XX/2018

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX inquiry 3 times on my credit report. Company said I wouldnt see inquiries on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
I traded a vehicle with XXXX XXXX back in early XX/XX/XXXX and it took over 2 months for then to payoff the vehicle with XXXX XXXX causing my credit report to reflect my account being 3 payments late and a drop in my credit score.

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 2018-07-26 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Convergent Resources, Inc.
State: CA

Complaint narrative:
I keep getting calls from XXXX XXXX to collect a supposed old debt but am on XXXX and those funds can not be attached. Previously, in XX/XX/XXXX or so of last year, they attached {$320.00} with no warning or notice from a joint account that my then payee had for me. After she dealt with them, they returned the {$320.00} and said they would not do it again. However, I have moved and no longer have a payee, and they just started calling me again. I want this harassment to stop. Can you please help, at least simply just reply ; I do not want to be ignored. PLEASE reply

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 2018-07-26 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: FL

Complaint narrative:
UPON TURNING IN A AUTO-LEASE TERM, FAKE DAMAGE REPORT WAS SUBMITTED FOR PAYMENT? 
XXXX XXXX finally wrote off the charge but will not remove my DELINQUENT REPORT FOR " 7 YEARS '' which reduced my credit FICO score by 100 points WITH EXPERIAN REPORTING? 

YOU can't injure a Person 's Credit for " SEVEN YEARS '' [ CHARGE IS " SLANDER OF CREDIT STANDING? & DEMAND COMPENSATION FOR INJURE ]

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