vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I opened a Bank of America checking account on XXXX/XXXX/XXXX. 
There was a promotion in which I was to make at least 2 direct deposits of {$250.00} or more and then I would receive a {$100.00} bonus. 


On XXXX/XXXX/XXXX I inquired as to when I would receive the bonus. The told me that I should receive a check within 30 days. They gave me this number as a confirmation : XXXX. 


On XXXX XXXX I called to inquire as to why I have n't received the check.They told me that the account actually needed to be open for 6 months before the money would be sent to me as a deposit into my account and I should received the money on XXXX/XXXX/XXXX On XXXX XXXX I called to inquire why I have n't received the money. They told me that my " escalation '' was denied. I am not sure which of my inquiries was the escalation but they never informed me. They told me the reason for the denial of the escalation was that the account was not set up with the promotion activated. This is bogus. Had my promotion not been activated then I would have been told so on XXXX or XXXX and not been promised that I would receive the money. Additionally, shortly after opening the account, I also confirmed at a physical branch ( XXXX XXXX XXXX XXXX, XXXX, TX ) that the promotion was active on my account ( I was unsure as to how many days I had to make the qualifying deposits ) When I disputed the denial of the escalation and explained the above, they re-escalated it, giving me this reference number : XXXX. 


After 40 minutes I spoke to XXXX XXXX of XXXX California, the " Checking Department '' manager and he told me that escalations take 30 days to resolve and they would be happy to review the terms of the promotion. I reminded XXXX that on two separate occasions the Bank has already promised me, regardless of the original terms, that I would receive the bonus. 


XXXX confirmed that I met all the financial requirements of the promotion but said I did not click on the correct website link. I possess no record either way on this matter and I only have to rely on the promises and assurances of the Bank that I was in line for the promotional bonus. 


XXXX told me that Its not up to him, it is up to the back office people and I should call in 30 days and follow up, I should say exactly : " I have a XXXX XXXX ( offer code : XXXX ) '' I have already been fobbed off for 30 days, plus 3 days, and now I am being fobbed off another 30 days.

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 2017-11-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Solomon and Solomon, P.C.
State: NY

Complaint narrative:
I viewed my credit report a year ago and noticed a collection account for XXXX XXXX XXXX XXXX XXXX  XXXX XXXX in collections with Solomon and Solomon PC collections law firm. Once I noticed the account I contacted the agency and explained I was a victim of XXXX XXXX and fled the apartment to get away from my XXXX. The account was in my name however I supplied the collection company with a copy of my new lease proving I did not reside at the apartment at the time and a letter from my XXXX XXXX XXXX. I was told to contact the XXXX company and file an appeal which I did and I was redirected to the collection agency. At this time I attempted to negotiate with Solomon and Solomon regarding the {$2100.00} debt and they stated they would have to charged me XXXX and there would be no further negotiation. I recontacted the electric company and was redirected back to the collection agency. I then contacted the Public Service Commissioner 's Office however since the account is no longer with the electric company they can not assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: SC

Complaint narrative:
Ive tried getting help from customer service with removing unknown inquiries from my report, but they werent helpful. 

XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX. XX/XX/XXXX XXXX XXXX  XX/XX/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 2017-11-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: KS

Complaint narrative:
They are calling my job.They even told the receptionist I owe them.I have told them numerous times to stop calling me at work.The lady just laugh and continue to call.I am not to take personal calls at work.Inneed to have them stop before they put my job at risk

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: DISCOVER BANK
State: PA

Complaint narrative:
I need help resolving an issue with applying for a Discover Bank deposit account. I am XXXX XXXX XXXX and a long time discover card holder. I recently decided to also open a savings account and it has been a surprisingly poor experience. There are many options where I can put my money but I have always been happy with my discover card. In setting up my savings account, I attempted to take advantage of one of its recurring promotional offers in XX/XX/XXXX. My promotional code was XXXX. To qualify for the promotion, I needed to apply by XX/XX/XXXX and make a deposit of $ XXXX by XXXX to obtain a {$200.00} bonus. I did apply by XXXX as required but the deposit of $ XXXX did not occur until XXXX, 9 days late. However, there were many other customer service encounters in between that were poor. There were many gaps in what was promised and what was delivered in terms of emails and returned calls. I believe some of these were intentional obstacles so Discover Bank would not have to pay me the bonus. I appealed to the higher ups at Discover Bank and they still have not paid the {$200.00} bonus. They run promotions like this all the time and my guess is that I am not the first person to face obstacles and delays so they did not have to pay the bonus. Additional details are in the attached timeline.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
In XX/XX/XXXX I filed Chapter XXXX Bankruptcy. I had a mortgage on a non-owner occupied property which I excluded from the plan as I was trying to sell the property. After months I obtained a buyer and was excited to close on the sale of the home. I had to sell for less than what I owed, but I did not pursue a short sale. My title company had obtained a payoff XX/XX/XXXX where there was a {$400.00} Review of Plan/Notice of Appearance fee for the bankruptcy. The closing was delayed and Ocwen Loan Servicing was very uncooperative in sending a payoff statement to my title company so I could close on the sale nearly causing me to lose my buyer. When the payoff was finally received, they charged me {$400.00} for Review of Plan/Notice of Appearance and added {$450.00} Bankruptcy Fee that was not present on the previous payoff. On top of that, they charged me an additional 23 days of per diem interest on my payoff in Illinois where it is not permitted to require FHA payoffs to be good through the first day of the following month. These fees were not disclosed to me, not provided for in my note or security instrument that I could see. This caused a financial hardship in an already distressing situation when I, as a debtor, could have just surrendered the home in bankruptcy causing the lender significantly more money.

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 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Trying to utilize a third party monitoring system and it is not being allowed

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Debt collection — Medical debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
Repetitive phone calls to place of employment identifying themselves, XXXX XXXX XXXX, and asking to speak to me using full name and under the guise of a " personal financial issue. Aggressive and unprofessional.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I am including the same message sent to XXXX XXXX via online secure message center that I was instructed to do per Customer Service Manager id # XXXX on XX/XX/XXXX and I just received some generic message not even related to my concern and was just brushed off by this company. The message I sent is as follows : I want the hard inquiries you put on my credit report removed immediately. I WAS NOT aware of the fact that any hard inquiries would be made on my credit bureaus due to an online request for limit increase as it never have been before, only soft inquiry. And nowhere on there does it state that a hard inquiry would be made. I spoke to a customer service manager, XXXX, yesterday id # XXXX who also verified that it does not state that a hard inquiry would be made and does not allow a place to click if the customer does NOT want to have a hard inquiry pulled just to get a limit increase as it would if a customer calls in and speaks to a rep over the phone. If I had any idea it would have been a hard inquiry, I would NEVER have made the request as it is not worth it to me. Please remove these hard inquiries from ALL my Bureaus and the limit increase has to be cancelled, please do. Customer Service Manager id # XXXX stated this would be done and could take up to 45 days to be removed by bureaus once XXXX submits the removal and that all I needed to do was to send the secure message requesting this online through the message center, so I fully expect this to be done. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
TransUnion charged me {$5.00} to temporarily unfreeze my credit report. 
This occurred on XXXX XXXX, 2017 On the web site it is listed as a free service.

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 2017-11-30 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: NC

Complaint narrative:
Equifax has a collection of {$900.00} from XXXX. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with Equifax, but every time I do, XXXX reports it as just opened. I spoke to an Equifax rep and the latest dispute was XX/XX/XXXX and XXXX reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
The mortgage arrearage from Nationstar / Mr. Cooper was file by my attorney office in XX/XX/XXXX toXX/XX/XXXX doings that time frame. In XX/XX/XXXX my attorney XXXX XXXX XXXX XXXX XXXX file a petition to add Nationstar mortgage to the Chapter XXXX plan that the reason why the arrearage went from {$2500.00} to {$4200.00} because Nationstar mortgage did n't file the ongoing mortgage payment the trustee office made the payment with out receiving the claim amount. I had my attorney office to contact by telephone 7 times and no arrearage claims was file with the trustee office, Nationstar and their attorney kept saying that they had to change something on the modification per supervisory attorney XXXX XXXX. The modification I did n't give my consent. I contacted the trustee office 5 time asking why Nationstar there no claims file by them. See Attached document will show unfair treatment from Nationstar and their Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 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: TX

Complaint narrative:
I have a active fraud alert on my account and currently I have XXXX inquires with Transunion and XXXX  with XXXX. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.

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 2017-11-30 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Express Cash Mart Management
State: WI

Complaint narrative:
I received a notification today that a collection was added to my credit report in the amount of XXXX. I did not receive any dunning letter or written notice allowing me a chance to dispute the validity of this debt before being placed on my reports. That is a violation of my rights and I want this alleged debt removed from my credit reports immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: PLAZA HOME MORTGAGE, INC.
State: FL

Complaint narrative:
I have been trying Endorse my Insurance Check with my Mortgage Company Since XXXX 2017. I have Submitted and done everything they have asked for. I have called, emailed and received no response. every time I call and try to get through I am put on Hold for 10 min and then disconnected. 
this is the most Unprofessional Mortgage Company I have Dealt with.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: SC

Complaint narrative:
On XX/XX/XXXX, I went into my XXXX XXXX XXXX Synchrony Account ( XXXX ) to pay my bill. I noticed that, although I had made the payment last month, there were still late fees even though my bill is due on the XXXX of the month and this was the XXXX. At this point, I contacted customer service via instant chat, and was told there was no late fee. When asked why I still saw a late fee, I was told by the agent there was no fee. He continued leading me in circles until I called. When I exited the chat, there was a survey ; however, once filled out, there was an Error 404 message. I refreshed the page and it took me back to the survey. When I resubmitted, the survey went through, but I was not given a chance to review and print my conversation. At this point, I spoke when an agent that explained it was a backlogged late payment. I made the full payment as required on the bill ( see attached ), and she claimed to have reversed a late payment fee. When I logged on today ( XX/XX/XXXX ) to make my payment for the month early, I noticed that the payment due was {$63.00}, nearly double the {$38.00} it had been when we started making payments. I then got on the online chat to see what the charge was. This agent claimed first that making the payment by phone was the only way to lower my payments ; when asked why online did not work the same, she said nevermind it would make the same dent in my account ( see attached ). She then told me there was a late fee. She could not explain to me why my bill reflected the {$150.00} payment due previously but then had a late fee anyway. She also claimed that the interest was reversed previously instead of the late fee, although I see the interest on my bill and the website shows a reverse in the late fee. Again, when I completed the survey negatively, it went directly to a 404 message, and when refreshed let me submit but did not give me the option of viewing the conversation. Luckily, I knew of this trick already so I had already printed and saved the conversation. This company has basically stolen money from us. Buyer beware! The five year plan may sound life saving, but it is definitely not.

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 2017-11-30 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: Convergent Resources, Inc.
State: TX

Complaint narrative:
XXXX XXXX claimed that I owed a debt for {$2400.00}. I sent several certified letters asking them to validate the debt because I knew that the debt was incorrect and invalid. They were not able to provide me with any type of debt validation but still would not remove the account from my credit report. I am reporting them because of their refusal and for unfair practices.

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 2017-11-30 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: ERC
State: NC

Complaint narrative:
XXXX has a collection of {$900.00} from ERC. This apparently was from a XXXX XXXX account. I have never had XXXX XXXX in my life. I spoke to a rep at XXXX XXXX in XX/XX/XXXX, and they said they had no record for me. I have disputed this several times with XXXX, but every time I do, ERC reports it as just opened. I spoke to an XXXX rep and the latest dispute was XX/XX/XXXX, and ERC reported it opened in XX/XX/XXXX. How does that even make sense? I 'm trying to buy a house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: ENOVA INTERNATIONAL, INC.
State: MO

Complaint narrative:
I have fell behind on this loan and Im struggling and have been trying to keep a float with them. I have tried to settle with them in past and Im about to be on FMLA UNPAID however they do not offer and type of help or financial hardship. I can not hardly pay for food for my family and this loan is outrageous and I did not understand the fees and amount I would be paying back to this company. It is double the fees are more than the amount I burrowed, I have a offer I would like to once again submit with the help of CFPB and I will file other complaints as needed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: DISCOVER BANK
State: WI

Complaint narrative:
On XX/XX/2017 I made a purchase of 9.9 gallons of gasoline in the amount of {$21.00} at the XXXX XXXX in XXXX, WI using my Discover Card. When I received my bill there was an additional charge for {$100.00} at this location which I did not incur. I first contacted the XXXX XXXX WI Sheriff 's Department and then contacted Discover Card. The XXXX XXXX Sheriff 's Department initiated Case # XXXX, and Discover Card initiated Case # XXXX. Discover Card initially rescinded the charge, but then toward the end of XXXX I received their determination that the charge was valid and had been put back on my account. 

I responded, detailing the vehicle I was driving and indicating there was no way I could have put approximately 55 gallons of gasoline in a XXXX XXXX as their determination indicated and that surveillance video would show that all I did was put 9.9 gallons of fuel in the XXXX. Discover Card dismissed my claims and is holding me responsible for the charge. Discover Card asked for supporting documentation for my claim, but there is no way to document something I did not do. 

Supporting documentation is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-30 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: TX

Complaint narrative:
I have a active fraud alert on my account and currently I have XXXX inquires with XXXX and XXXX with Equifax. I spoke several representatives that state I need to produce a police report. I am lost as to what the police report will do for the XXXX inquires when I placed a FRAUD alert on my account due to my personal information being stolen. I was told that I would be notified as to when anyone applies for credit in my name via my phone number. This happened a few times.

Company response to consumer: Closed with explanation