vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-09-23 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: FL

Complaint narrative:
American Express ( Amex ) mailed us a promotional offer to award XXXX points after we spent {$5000.00} in qualified purchases within 3 months of the account being opened. There were no conditions on us having had an account with them previously. 

To ensure, these were all the terms, we also called and spoke to a customer service representative " XXXX '' who confirmed the terms as written. 

Given this confirmation, we applied online and quickly received the cards and met the spending requirements within 3 months. 

One month after that and after verifying we had not received the additional points, we called and were told we did not qualify due to having had an account before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: GA

Complaint narrative:
In the summer of XX/XX/XXXX the XXXX XXXX monitoring system had some type of glitch where inquiries were removed. I have the XX/XX/XXXX report in which it shows my file to have 0 inquiries. These inquiries were placed back on my report without any notice from Transunion. I have called many times and I keep being told that I was not affected by the breach. I only found this while closely reviewing my reports after the XXXX breach. I also noted many unauthorized credit inquiries that I was told could not be disputed. They want me to get police reports. My police department has said they wo n't investigate because there was no loss to myself or the companies. The creditors will not investigate for the same reasons and referred me back to the credit bureaus for removal. XXXX  has complied but transunion now says inquiries can not be disputed.

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 2017-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: M&T BANK CORPORATION
State: PA

Complaint narrative:
Hello, I signed up for an M & T Bank Checking account on XXXX/XXXX/XXXX with the promotion code XXXX. The mailer stated that I would receive a promotional {$200.00} bonus upon a direct deposit of {$100.00} to my checking account by XXXX XXXX, XXXX. 

I have met the terms of the offer by making the direct deposits to my account. However, I have not received the {$200.00} bonus as advertised. 

I reached out to M & T bank on XXXX/XXXX/XXXX in regard to the {$200.00} not posting to my account. I received an e-mail back from XXXX from M & T Customer Service stating that I am not eligible for the offer since M & T Bank claims that my name was not included in this offer. 

This is unacceptable. Nowhere in the terms of the signup offer does it say that I would not be included. M & T is not holding up their end of the agreement.

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 2017-09-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
My wife XXXX and I requested a Loan Mod through Nationstar Mortgage Loan number XXXX in XXXX. We had a fixed rate FHA Loan at the time we requested the Loan Mod. Due to limited communication from Nationstar during the approval process of the Loan Mod which took Several months to approve we did n't know until we received paperwork to sign indicating there was an XXXX baloon payment being added. Out of desperation due to my wife being unemployed we accepted it. We felt that if we sold our home are Refinanced it the Baloon note would be included as part of our total payoff. We refinanced our Mortgage with XXXX XXXX in XXXX XXXX and received a Conventional loan, Loan. number XXXX. We were excited as we requested a Cash out Reference to take care of some home improvements. In XXXX XXXX we received a collection notice letter from XXXX XXXX with HUD regarding repayment of the XXXX balloon note. We also received a collection notice from US Dept of Housing attempting to collect debt. On XX/XX/XXXX I spoke with a Supervisor with Nationstar Mortgage now known as XXXX who provided me a paid in full letter to provide HUD and insisting the XXXX balloon not was a part of the Payoff and we owe nothing. I had to leave a message with XXXX XXXX with HUD XX/XX/XXXX asking her to contact us so we can provide the Paid in full letter provided by Nationstar Mortgage. Her voicemail stated she will be out of the office until Monday XX/XX/XXXX. Thus far HUD has reported this to the Credit Bureaus thus ruining our Credit and are threatening wage garnishment which will destroy our Finances as well. My wife was rescently hospitalized in XXXX with XXXX problems and has accrued a large amount of Debt from that. Any assistance you can provide in this matter would be greatly appreciated. Sincere thanks, XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, TxXXXX. My number XXXX, XXXX 's number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On or around XX/XX/XXXX, I purchased several furniture items from XXXX XXXX store in XXXX, Illinois. When my financing application was approved, I realized that XXXX customers finance accounts are being serviced by Wells Fargo ( WF ). Had I been advised prior to the transaction, I would have declined the financing and credit from Wells Fargo. 

After I purchased and received the furniture from XXXX, I then expected to receive a monthly statement from WF. On XX/XX/XXXX, I received my first statement from WF for the purchased items from XXXX. I was surprised when I noticed that my first statement has a past due amount of {$40.00} and a late charge of {$27.00}. I immediately called WFs customer service after XXXX ( CST ) on XX/XX/XXXX to notify them of the error, but the automated voice instructed me to call during business hours. 

On XX/XX/XXXX at around XXXX, I called WFs customer service again and the call was routed to the XXXX. I spoke with a gentleman named XXXX who agreed to waive the late charge as long as I pay the past due balance. I refused to pay the past due balance noting that there should not be any past due balance on my account because the account is new and it is the first monthly statement. In addition, I asked that the late charge be removed immediately including the derogatory notation of a past due charge indicated on the account. 

Further, I also declined to provide my personal, sensitive information to an offshore WF representative for fear of identity theft and potential misuse of my personal information. I told the offshore representative that I prefer to set up a WF account online and pay there instead in order to make a record of my payment. I have every intention of paying my debt to XXXX through WF and will pay said debt as long the amount and records are accurate. I attached a copy of my first bill from WF with the account number and my address redacted for security reasons. Please investigate on this matter and contact me for any additional information you may require to assist 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 monetary relief
Consumer complaint received 2017-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I am writing to dispute an account fraudulently opened in my name. I am a victim of identity theft and did not open this account .I am not responsible for any charges made to this account. 
Please close this account immediately. I would like to request copies of any documentation, such as applications and transaction records, showing the activity on this fraudulent account that provide proof I opened this account beyond a doubt like drivers license, passport, social security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
BofA has mishandled my escrowed property taxes since originating the loan, over and over again, miscalculating reserves, increasing the monthly withholding by about {$1000.00} per month, then decreasing and sending me a check for withholding too much, then failing to pay the taxes and incurring penalties and interest, then increasing the withholding again. I am shocked and appalled by their incompetence, and repeated insistence that I am to blame for their failures. It reminds me of the movie The Rainmaker, just that they have n't called me " XXXX XXXX XXXX ''. The only thing I 'm asking for right now is a refund for the penalties and interest that I incurred, in the amount of {$1300.00}. If they ca n't do this, and my appeals to you and their other regulators come to no avail, I intend to file a claim against them in small claims court, but to add claims for emotional distress and my time up to the maximum allowable.

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 2017-09-23 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
You may look into my previous complaints for further information.
In summary I have been paced on collection by TSI for a debt that they were given by XXXX XXXX XXXX to manage without ever informing or attempting to inform me of such changes or my ability to make payments on the debt. 

I have explained in the past how their initial and only attempt was to place my account on collections after my cosigners Chapter XXXX bankruptcy was finished and they could apparently collect again. While this is happening I was told repeatedly by the XXXX that they had no idea of any account in my name or even with my SS #. Impressively enough TSI turns around and places my account on collections without any letters in the mail, any phone calls, any emails, nothing! 

The account should be taken out of collections status as this is an abuse of power and manipulation of accounts. As a consumer I was lied to by XXXX and was never contacted by TSI nor was I ever informed that TSI existed and/or had my account in their possession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: JPMORGAN CHASE & CO.
State: DE

Complaint narrative:
Chase Bank regarding hard inquiries : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX, theses are the dates they show up on my credit report as hard inquires, after talking with Chase several times and XXXX who is the only one reporting them again several times. After a month received a letter that went to credit reporting agencies to mask the hard inquiry : Then looked at my report and saw two more XX/XX/XXXX and XX/XX/XXXX Called Chase Bank they stated even if it fraud they still put the inquires through and notify the credit reporting system, XXXX says : they have to list it because even if your account may be fraud we still put a hard inquire on your account.
I do n't have nor have I ever asked Chase for a credit card or anything else.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I was talked into taking out XXXX loans to attend XXXX ( a XXXX XXXX  campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX XXXX who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Since obtaining fraud alerts on all three agencies and placing a freeze on Experian, I am unable to dispute inaccuracies on my report. I can not access my file online and have to hold for hours if I can get thru on the phone. I was able to finally request full verification of a bankruptcy listed on my report not to be done by automatic third party. I believe the information is incorrect and may have been a mixed file and in that case it needs to be removed. I have the same problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans.

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 2017-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Convergent Resources, Inc.
State: HI

Complaint narrative:
Communications through the mail and phone calls from XXXX XXXX XXXX for XXXX XXXX of {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter dated X/XX/2017

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 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have a problem with student loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also student loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even two years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX  and 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 2017-09-23 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have a problem with XXXX loans that are reporting that I did n't have. The Rep says they were consolidated and sold to another company but that company is not listed on my report. There are also XXXX loans that were consolidated but the old loans were not closed on the report after the consolidation so they reported with late statues even XXXX years after the loan were consolidated. I reached out to XXXX XXXX XXXX but there record keeping is so poor they ca n't seem to figure out when they took over the loans. The companies are XXXX XXXX XXXX and XXXX XXXX and XXXX and XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: HI

Complaint narrative:
Communications through the mail and phone calls from XXXX XXXX XXXX for Paypal Credit of  {$730.00} not owed by me. Contacted paypal who confirm no such debt. 

Latest letter datedXX/XX/2017

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-09-23 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: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
On XXXX XXXX, 2017 I applied for a car loan with Toyota Dealer in XXXX, Md. Before they submitted my credit information I had a major concern about too many credit inquiries. The financial team told me that they only pull one credit report. I checked my recent credit report today and there are three additional credit inquiries on my credit report from Toyota.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This is a complaint against Morgan Chase bank, and their unconscionable, profit making scheme called " overdraft fees '. 

In the past year I have PAID CHASE BANK {$1400.00} IN OVERDRAFT FEES. 
CHASE, in return, has done me a BIG FAVOR, of reversing 5 charges on my business account for a total of {$170.00} I believe Chase has manipulated its processing system to where instead of looking for " credits '' first, it will debit a consumer account, if the consumer falls into their TIME TRAP, to make deposits. 

I am in California. Most if not all of the overdraft fees I have paid I believe the funds were in the account on the next business day, but because they had not been deposited before " XXXX XXXX Eastern Standard time, '' regardless of whether a deposit was enough to cover any overdraft, Chase refers the customer to their " boiler '' policy which only allows them to reverse 3 or five transactions in a 12 month period for {$170.00} but its okay for them to XXXX THE CONSUMER for {$1400.00} XXXX XXXX was sued and had to pay a settlement on its overdraft fee policy. 
Chase was apparently sued in XXXX ( below is the beginning of an article on a case initiated in Florida in XXXX. 

It is important to note that nearly every transaction for which I have been charged these overdraft fees were CHASE TO CHASE, CASH DEPOSITS. 

I called today to try to get some relief from 7 overdraft fees. I started in the " XXXX '' and worked my way to a manager in the XXXX who gave me their standard XXXX telling me about the Pamphlet that allows them to do this. 

I saw an article online that indicates a lawsuit being filed against Chase for XXXX. 
If Chase has violated the law in any way, i want a refund of ALL OVERDRAFT FEES they have charged me. 

The Chase policy is " unconscionable ''. I have seen internal memos of Chase bank where they have discussed how their overdraft protection program is designed as a " profit making program ''. I do not even mind if my account had to be dinged at some point and Chase wants to make a profit for covering a charge. I believe, however, the Chase system is rigged against the Consumer. 

I got nowhere pleading with them for some relief today from these fees. 

Here is my information. 

Law Office of XXXX XXXX XXXX Chase Bank - General Account ending in " XXXX '' XXXX XXXX, XXXX. 
XXXX XXXX, California XXXXXXXXXXXX FROM ARTICLE FOUND ON XXXX TODAY : XXXX XXXX XXXX has agreed to pay {$110.00} XXXX to settle a class-action suit challenging the way it charged debit card fees to customers who spent more than what was in their accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I was talked into taking out XXXX loans to attend XXXX ( a XXXXXXXX XXXX campus ), I was able to repay and now my credit is damaged. ( Between XXXX ) A few years ago I received a letter that my principal balance was reduced by XXXX, my new balance was XXXX. Was told to continue to make payments at the time I was not able too. Then called XXXX to try and make payment arrangements and with XXXX let who claimed they were not aware? I am willing to repay my loan. Over the years they continue to send me letters requesting re-payment now with years of interest added on. I would like help like help with loan forgiveness. They were not honest about the process and for the loan and they did not allow refunds owed to students that could have covered the loan cost. Thank XXXX XXXX

Company response to consumer: Closed with explanation