vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Cashiers checks through Wells Fargo with fraudulent amounts getting cashiers checks from my bank they would have me to prove I had an account even though I had the cash for the cashiers checks they were subtracting it from my account balance sone cashiers checks at times the amount was more than even the amount of the cashiers checks I had contacted Wells Fargo had brought all the proof to them it was under investigation for fraud I had a credit card linked a pre paid card linked to my account which was not mine I have a letter from them agreeing they had the proof of a year and a half of the banks errors I was working with a branch manager I spoke to him on a Monday evening he tells me it 's being taken care of the account was in the negative but they agreed and I agreed I was no longer going to keep putting money into an account that money was being taken out without my permission I had withdrawal from my account with no branch location just random bank draft an amount and that 's it I spoke to the branch manager on a Monday evening and the next morning Tuesday XXXX my account was closed and erased from my online service I could still see my other 2 accounts but the one under investigation was gone I contacted the bank they said they apologize but ca n't reopen it I said what about the investigation they said that 's closed since the account is closed they than proceed to call me and make me an offer if XXXX the account that was in the negative due to there errors and not reporting it to the credit reporting agencies if I did not except there offer I would be asked to move my other accounts elsewhere I refused the offer as I told the district manager I gave proof of a year and a half of your employees I have a case number for online fraud credit card fraud and I was n't gong away yet I ca n't seem to get them to even look into it the account being closed they assume there 's nothing more I can do when I first contacted the bank the person I was speaking to sent me a year be anhakf of statements at no charge due to how obvious it was they wanted me to leave the proof with them I declined that and went in to the branch went over each month with the proof including the other half of my cashiers check proving that even the amount they deducted from my account was more than the cashiers check amount and than having the receipts showing how I paid for the cashiers check and it should n't have been subtracted from my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Overton, Russell, Doerr and Donovan, LLP
State: NY

Complaint narrative:
The company did not respond to my complaint. I have forwarded the response from the company and my response below. This is under the 180 days and I want it removed. 

seems this " complaint '' was filed prematurely as the consumer probably should have contacted insurance FIRST before filing a complaint. This consumer was sent numerous billing statements prior to being referred to our office for collections. Our office sent the debtor two written correspondences prior to reporting this to a credit reporting agency.Based on the accounts in collections, these debts appear to all be balances after insurance, such as a copayment, coinsurance or deductible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has not updated the XXXX XXXX tradeline. XXXX XXXX has agreed to remove the late payment as of XXXX/XXXX/2017. The tradeline has not been updated by transuion in over a month. The balance need to be updated and the late payment needs to be removed as well. I have attached the correspondence from 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 2018-01-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BBVA FINANCIAL CORPORATION
State: GA

Complaint narrative:
I opened a new checking account with the terms that if I had a direct deposit of XXXX dollars within 60 days a XXXX dollar bonus would be deposited into my account, and that bonus has not been received

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I have a XXXX XXXX credit card. On XXXX, my XXXX XXXX card was charged {$160.00} and {$98.00}. On XXXX, it was charged {$170.00} on four occasions. These charges totaled {$980.00}. I did not make these charges. XXXX XXXX  did not alert me to the fraud. All six charges appear to be at XXXX and for sunglasses. I feel their fraud department should have flagged these purchases. I had auto pay set up on my XXXX XXXX card, so a payment was deducted from my checking account on XXXX/XXXX/XXXX. I called XXXX XXXX immediately to dispute the charges. I also closed the account. They stated they could not refund my money until it was posted to their records on XXXX. I called back on XXXX to request the refund, 2 times, I was told it would take 3-5 days. On XXXX, the credit still had not posted to my checking account. I called again today, XXXX, and was now told it would be another 3-5 days to receive the credit. This person stated they can not even initiated a refund until my payment has been posted to their records for 5 days. That is too long. I asked what if I had not called back, no response. What if I really needed those funds, no response. Just appologies, but no offer to do anything more. My main complains are : 1. These purchases should have been flagged when they initially occurred. 2. When calling in there is no option to go to a fraud department. 3. The XXXX XXXX representatives are not adequately trained on XXXX XXXX credit card fraud policies and procedures. 4. Resolution is not speedy enough. Thank you for any help.

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 2018-01-12 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: Blackhawk Finance
State: IL

Complaint narrative:
they repossessed my car after one late payment. they switched companies without my knowledge. it was blackhawk financial when i got my loan.it is currently XXXX XXXX XXXX i never got a notice of them changing names and numbers. i had no way of contacting them until i seen their name on my credit report 3 years later. i called when i got their information they said i owed about 4000 witch is  incorrect it was only around 1000. they sold the car to someone else for over what i owed. this is lowering my score. they never sent me the check of notification that the car was sold. they never gave me a chance to relieve my debt. they was very rude and uncooperative. they do not even have the original loan agreement. with my signature. they cant not validate my debt.

Company response to consumer: Untimely response
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Prosper Marketplace, Inc.
State: AZ

Complaint narrative:
On XXXX/XXXX/XXXX my dispute of a questionable reporting from Prosper Marketplace via certified mail # XXXX XXXX XXXX XXXX XXXX was returned to sender. 

The address on my credit report showed as XXXX XXXX XXXX  in XXXX XXXX, CA as of XXXX/XXXX/XXXX which was the date the letter was drafted. 

More than 30 days has passed without a response. Per federal regulation this item must be immediately and permanently removed from my XXXX XXXX and XXXX credit reports. Please see attached dispute and supporting docs. 
My dispute requested that Prosper provide the substantive information used to verify and authenticate the purported account. I have suffered identity theft breaches in recent years and require this information. The failure to respond within 30 days constitutes an immediate removal of this item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: DC

Complaint narrative:
I finished XXXX school in 2008, straight after XXXX, right into the recession. 

I had a 2 year forbearance, and then did 4 years or so of income based repayment. The IBR barely covered the interest on my loans, but I had been told by XXXX XXXX XXXX ( XXXX XXXX at that time and XXXX ) that as long as I was in IBR I would qualify for Public Service Loan Forgiveness. I called multiple times for information and was *never* told my loans needed to be consolidated for that to happen. 

I also talked to government officials, who did not relay that information to me. And the resources online, at that time, were very unclear about how the process would work. 

I was failed at every step of the way by government, and especially by the student loan companies. 

I should now be on my way to loan forgiveness, but because of either ignorance or willful misinformation, I am not. 

I found out about 3-4 years ago the payments I made had n't qualified because my loans were n't consolidated. By the that time, with my new salary, my loans would be paid off under a standard 10 year plan anyway, so there was no point in going for PSLF. 

In addition to that major issue, XXXX XXXX applied late fees and incorrect payments numerous times to my accounts. They also did n't process my requests for forbearance or income based repayment in a timely manner and I had to follow up multiples of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA

Complaint narrative:
I closed my credit card account with Capital One Bank. This process was difficult by itself due to the fact that we were unable to get ahold of a person in order to close the account. Now that it is closed, I am getting notices that I have two delinquent bills which are hurting my credit score. I have statements proving otherwise as well as documents showing that my account is closed

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SOUTH BAY ACCEPTANCE CORPORATION
State: SC

Complaint narrative:
The call is recorded and gives account #. I've returned the call and it is for someone unknown. 

I've requested my number to be removed and they continue to call every other day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Despite four notarize written requests delivered via certified mail to have eight unverified accounts deleted from my credit report ; the eight unverified accounts remain on my credit report. The bureau stated in their responses that the accounts were listed as valid ; however, Experian has continuously failed to provide me with a copy of the documentation that they have used to verify these accounts as I requested in my letters of dispute. The company has ignored my request, which is clear evidence of their disregard for Federal Law. Section 611 ( 5 ) ( A ) of the FCRA clearly states they are required to promptly delete all information that can not be verified. I am requesting deletion of these unverified accounts. The law is very clear as to civil liability and the remedy available to me ( Sections 616 & 617 ). If the bureau fails to comply with Federal Law, I will have no other choice but to pursue litigating this matter to enforce my rights under the FCRA.

I have attached the first page of the four dispute letters that I sent to Experian, the second page is omitted as it contained a copy of my SSN Card and Drivers License. In addition, it also contained the seal of the Notary that notarized the dispute letters.

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 2018-01-12 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 — Investigation took more than 30 days
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
XXXX 2017 I surrendered my vehicle to Santandar after they refused to provide and disclose account details in writing. I specifically requested a history of how my payments were applied to the loan. desiring a breakdown of interests, principal fees or charges. 
I was not receiving billing statements and was blocked from online access due to my payment being late. the phone recording stated my balance was higher than the original loan purchase after paying for 2 years? questioning how this may have occurred, I submitted multiple requests for records nothing was ever provided. the only info I have to go one is what is being reported to the credit bureaus as an outstanding balance. if the vehicle was sold I was never notified as required by law. there is no proof of when, how or what proceeds they obtained from the alleged sale or how any deficiency balance was calculated. my credit report is being illegally re-dated as if this incident just occurred, the balance has decreased and increased back and forth monthly. I have been supplied with no proof of anything to date. my disputes with the credit bureaus results in the account either being verified or updated to show that I recently missed a payment which is all false. I receive both auto dialed and recorded messages constantly harassing me on my cell phone and at work. santandar has been very deceitful in their business practices an violates bot federal and state laws.I have seen that other consumers are experiencing same issues with Santandar. I may need to take legal action to resolve.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
In XXXX my escrow account was debited twice for property taxes although the charges were not all invoiced as property taxes. 

Throughout the year my escrow account was debited in the amounts of : {$22000.00} and {$3100.00} in XXXX XXXX, {$6300.00} in XXXX XXXX, and {$6300.00} in XXXX XXXX. 
The total of these debits were {$38000.00} which was an exact match of what the " PROJECTED '' property tax disbursement was. All those amounts were actual debits paid from my escrow account and were titled " ESCROW PAYMENT ADJUSTMENTS ''. 

Later in XXXX of XXXX when the actual property tax bill was issued, it was debited and paid in the amount of {$37000.00}. 

In effect the total debits from the escrow accounts were the actual taxes paid in addition to the ESCROW PAYMENT ADJUSTMENTS totaling {$75000.00}. As the monthly escrow payment only estimates for the annual tax of approximately {$38000.00} or $ XXXX/month, this has left a negative escrow shortage causing the servicer to raise my escrow payment for the coming year by {$3000.00} in addition to the {$3200.00} I currently pay into escrow each month. 

I checked county records and my property taxes are paid up to date for prior years, therefore there is no explanation left other than this is a clerical error. I have made several attempts at resolving this with Mr. Cooper employees and their supervisors but none of them have answers as to what those charges are, but they will not refer the matter to someone who will help resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: Bread Financial Holdings, Inc.
State: MO

Complaint narrative:
I made a purchase XXXX/XXXX/XXXX for XXXX. There should have been {$50.00} in rewards applied and the credit was not applied. The full purchase was charged to my card. 

Sent email through card website. After a few useless and non-helpful exchanges filled with canned email responses that do n't even apply to the situation I was told I 'd have to call Customer Service. 

Call - get shuffled around a few times by associates with obviously the main goal of playing hot potato with my phone call until landing with a top performer of  disengagement who sounded like I was waking her up. After she asked me what my issue was she promptly said " hold on '' and placed me on hold into a complete black hole. I thought it was maybe so she could finish her nap or eat breakfast - but after about an hour of dead silence it became apparent her true plan was to park my call somewhere until I hung up. But, it 's ok - because I 'm using my time wisely and multi-tasking to submit this at the same time. 

Ridiculous. 

I 'd like the issue resolved and the card closed. I 've only had it a couple months. It 's not worth the trouble. I 'll take my business elsewhere. 

Thanks.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Benuck & Rainey, Inc.
State: SC

Complaint narrative:
I recently received a phone call from XXXX. The company name is Benuck & Rainey. I was told it was for medical equipment from XXXX XXXX I had in XX/XX/XXXX. I advised that I had not received a bill for the {$80.00} they said I owed. I also explained that my address had changed but she did n't seem interested in correcting my billing address. The person on the phone became rude, argumentative, talked over me. etc. I explained I would not verify info over the phone and asked them to contact me via mail. I tried my best to treat them exactly as they treated me, so I was n't nice. After disconnecting the call I immediately began receiving hang up calls from them. They also called me from another number XXXX. Reverse phone search revealed this is the same company. This all started onXX/XX/XXXXat XXXX XXXX. In addition I received several call with the caller id blocked which appeared as " UNAVAILABLE '' on my caller ID. I called back and spoke with someone who stated she was a supervisor. She basically said I was a liar, and she was sitting with the representative. I told her I did not intend to conduct business with their company and asked for all correspondence to be via mail. I received another call today and was told by the representative that the company had 20 phone lines and would continue to call me. When I receive a bill, I will be happy to consider payment, not until.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I am writing to dispute the following information in my file. I recently received a copy of my Equifax credit report. The credit report showed credit inquiries that I dont recall authorizing. I understand that you shouldnt be allowed to put an inquiry on my file unless I have authorized it. Please have these inquiries removed from my credit file because it is making it vey difficult for me to acquire credit. 
The FCRA states that the only permissible purpose for pulling someones credit is for : A. Firm offer of credit B. Insurance C. Employment D. Court Order The following credit inquiries are related to none of the aforementioned permissible : 1. XXXX XXXX : XXXX XXXX, XXXX 2. XXXX XXXX XXXX : XXXX XXXX, XXXX 3. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 4. XXXX XXXX XXXX : XXXX XXXX, XXXX 5. XXXX : XXXX XXXX, XXXX 6.  XXXX XXXX XXXX : XXXX XXXX, XXXX 7. XXXX XXXX XXXX XXXX : XXXX XXXX, XXXX 8. XXXX XXXX : XXXX XXXX, XXXX 9. XXXX XXXX XXXX : XXXX XXXX, XXXX 10.  XXXX XXXX XXXX : XXXX XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
Coinbase is misleading in the withdraw process. Easily accepts funds, yet has insane need for username and passwords to access my accounts. I have {$590.00} in my US wallet. The 2 options to withdraw have completely unreasonable personal info requirements. 
I would like some help in resolving this issue. Username and password into my account accesses several accounts. Never going to do that. 
A more reasonable bank account number and routing number is more acceptable. Some way to target one account. 
Thank you for the help. I look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I looked on Equifax website to discover I was probably affected by Security Breach in 2017. Trying to reassure myself Equifax might be worthy of protecting me with its free offer I read as much as I could about the offer. I called the number offered for learning about insurance offered as part of XXXX XXXX credit monitoring product. Unable to get any information about the insurance product offered : what it actually does cover.

Company response to consumer: Closed with explanation