vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
XX/XX/XXXX - I referred my girlfriend to a credit card : American Express XXXX XXXX XXXX. I was told that I would receive {$75.00} if she was approved for the card. She applied and was told that she would need to verify some information. 

Several weeks later she was approved and received her card. I was told through the American Express terms of service that it would take 8-12 weeks for the bonus to post to my account. 

I waited until XXXX for my bonus. It never posted. So I contacted American Express on XX/XX/XXXX. They told me that there was no record of me referring anyone. I opened an investigation with them. They asked for my girlfriend 's birthday and her name which I provided. I was told to wait one week. 

I waited one week and contacted them again through phone and chat. I was told to wait 2-3 weeks. I have contacted them 4x more times through phone and chat about this bonus. Each time I am told to wait 2-3 more weeks for them to finish the investigation. Additionally, I am told that they have " expedited '' this investigation.

It has been four weeks since I last contacted them. I have gotten no email updates on the status of this investigation. And I know if I contact them again they will take me to wait 2-3 more weeks. This investigation was opened on XX/XX/XXXX. They state that it takes no more than 8 weeks for an investigation to end. It is now XX/XX/XXXX. I have received no bonus and no information on whether or not it will even post.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have had literally a series of unfortunate events from loss of job, eviction and then being hit head on by another driver on top of fighting XXXX. I have tried to explain this to Khols and each time they claim they understand and then try to collect payment that I unfortunately just do not have at this time which also makes me sad. Since XX/XX/2018 they have called 38 times and Im sure they will call again multiple times today. It is extremely stressful battling everything that I am and not only causing XXXX but making XXXX flare.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: 21ST MORTGAGE CORP.
State: CA

Complaint narrative:
I have wrote a letter datedXX/XX/XXXX to inquiry about the late fee balance of {$930.00} that 21st Mortgage Corporation show on monthly statement. I've received a respond letter dated XX/XX/XXXXstating the late fee balance is correct and provide a payment history without giving the specific date ( s ) how the late fee ( s ) applied. I've responded with a letter dated XX/XX/XXXX requesting for specific date ( s ) of how the late fee accumulate and how they came up with the late fee balance.

It seems like 21st Mortgage Corporation wants you to do your own investigation and figure out how the late fee came about. I guess they do not believe in Customer Service and servicing their customers when that they have questions on their accounts.

21st Mortgage Corporation has been very difficult to work with and they seem not willing to work with consumer to get their answer resolved. I'd greatly appreciate if  someone from your agency can assist in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 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: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Over a year ago I disputed a fraudulent Wells Fargo Credit Card on my credit profile a long with sending in police report. XXXX claimed after investigating that the account was mine. I sent the same police report and filed a CFPB complaint against Well Fargo ( CFPB # XXXX ). Wells Fargo sent me a letter dated XX/XX/2017 stating the account was fraudulent and they will stop reporting to credit bureaus. I again disputed the account with XXXX. They have not deleted that account from my credit profile.

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 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: Fidelity National Information Services, Inc. (FNIS)
State: IL

Complaint narrative:
I went to XXXX in XXXX In where a employee of the same company I work cashed his check I presented my check from the same company was denied by XXXX XXXX XXXX XXXX. I called the phone provide by XXXX and was told they could not tell me why they refused my payroll check. I went to XXXX in XXXX In and XXXX in XXXX IL and they would not cash the check and again given the number for Certegy.. When calling the Automated system does not offer clear way to get information or clear way to dispute there decision. I went to Certegy web page and again no clear way to dispute there decision. The only thing I could see for information was to ask for a copy of my file. I requested the file and waited 2 weeks for it to arrive. While waiting I  earned another paycheck and decided to cash it with XXXX mobile deposit. Certegy again denied my check for deposit. At this time I had received my file from Certegy. On the first of six pages it lists all the checks I have cashed or presented for cashing. Beside the item it reads Authorized or Not Authorized reason below with a microscope 99 see reason below.. Under the list it says 99 this transaction fell outside Certegy Guidelines.. The next column is for outstanding items.. Nowhere on the six pages is the an explanation of code 99 other than whatever code 99 is my file was perfectly clear. Again in the six pages there is no place to dispute the decision or find out the reason for Certegy to turn down payroll checks that I work hard. My next action was to call Certegy at a different number that was given to me when they refused my paycheck. I spent an hour on the phone with there representative verifying Identity and going over my file and verifying funds in my employers account. She told me my file look good and did not see a reason for my paychecks not to be cashed. Then the representative told me there was nothing she could do and could not provide me with a dispute Certegys decision. So after all of this I found out they should cash my payroll check. They won't cash my payroll check and did not give me any explanation or way of disputing there action. I go to work and work hard as a bricklayer and Certegy has stop all options for me to cash my check without driving 200 miles to my employer financial institution.

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 2018-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Roosen, Varchetti & Olivier, PLLC
State: GA

Complaint narrative:
They have filed the same case 4 time in three different counties and are willing to take my payment plan. I called and the rep told me that they would get more when they take my wages vs the XXXX a mth payment plan and it was over XXXX. Also lawyer XXXX XXXX XXXX works for both collection companies offices and I feed that they shared my information without tell me the customer. 

Case XXXX ( FILED XX/XX/XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o After two years and another open case in XXXX County XXXX o No documents sent court for payment plan from lawyers office XXXX ( Filed XX/XX/XXXX ) XXXX XXXX XXXX XXXX XXXX  XXXX account ( by XXXX XXXX XXXX ) o Made several attempts to resolve the issue with XXXX XXXX XXXX to no avail o No documents sent court for payment plan from lawyers office XXXX ( Field XX/XX/XXXX ) XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX account ( by XXXX XXXX XXXX lawyer also works for Roosen Varchetti Olivier Attn : XXXX XXXX XXXX ) o Notice was provided by ad for lawyers o Sent a letter to XXXX County about the update and they closed case XXXX due to no moment from the lawyers office in two years, yet refiled the case in another county. 
o Sent a payment plan request to both XXXX County Court and Roosen Varchetti Olivier to no avil o XX/XX/XXXX : sent another response letter to move the court date to XX/XX/XXXX to seek a lawyer or a payment plan and I also sent my bank info for a {$50.00} by weekly payment plan with {$100.00} down.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: SUNTRUST BANKS, INC.
State: AZ

Complaint narrative:
On or about XX/XX/XXXX. 2018 we received a letter from SunTrust Mortgage stating our account was past due.

We found this to be strange as we have automatic payments and the money was taken from our account.

My spouse called SunTrust the same day and the representative said that we are not in arrears and the mistake was theirs. My wife asked for a letter to that effect and was told their was no need for a letter and not to worry. 
On XX/XX/2018 we received another letter about the delinquency of our mortgage and that it is a serious matter. I called SunTrust on XX/XX/2018 and was told that the letter was automatically generated do to the glitch in their system and to ignore it. i stated that i could not ignore the problem and would like a letter stating that we were not at fault, in case the problem arose in the future. I was told to call their customer service at XXXX. 
i called that number and was told that they were a different company not affiliated with SunTrust. 
We are beginning to suspect this a scam and would like help in obtaining written acknowledgment from Suntrust.

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 2018-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
XXXX XXXX XXXX contacted me via letter on XX/XX/2017 claiming I had pending debt of {$490.00} with cXXXX XXXX. They had attempted to collect a debt that I was not made aware of that it had gone to collections. I requested them to verify debt and they were unable to verify the amount they are claiming I owe. I would like to get this negative remark removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was a victim of fraud which left my accounts negative about {$6000.00} total. When I tried to go into my local branch I was told that the signatures on the bad checks matched my signature. When I did more digging and was actually able to see the fraudulent checks ( the first bank wouldnt show me ) the signature looked nothing like mine. When I called and tried to submit a claim, the bank closed my account and said I still owed them the 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 monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WI

Complaint narrative:
Date : XX/XX/2018 ~ Now Amount : about 6k + my ETH & LTC I have tried to withdraw my money from the company, but the company has not allowed me to do that and they are holding my money for a long time. They required me to verify my SSN in their system in order to withdraw my money, but the SSN verification system has not been working. I verified my driver 's license, I have a valid SSN, and I tried all the ways that they recommended me, but the system is still not working so I can not withdraw my money. I'd like to withdraw my money from the company. It does not make sense that I can not have my money back. 

I attached some evidences ( I removed my information ).

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
Around XXXX my wife took out a HELOC against the house we moved into. She took out this loan prior to us being married and my name was never on the original loan agreement. In XXXX she passed away. I've continued to pay on the loan through present day but never switched the loan to my name. Around XXXX I took out a second HELOC loan with Capital One in my name for the same property with no issue. At some point in XXXX, I tried to contact Capital One about the original loan in my wife 's name because the monthly payments had jumped from around {$250.00} to about {$700.00}. At that point, Capital One told me I would need to provide an executor letter in order for them to discuss anything about the loan with me. I did not have an executor letter because there was no will. I provided them with my wife 's death certificate, our marriage license, and a copy of the deed that shows my name on the deed, and still they insist on an executor letter. When speaking with attorneys about the executor letter it was explained that getting that letter would require going through the probate process and would involve lots of time and money. I did not have the time or money to go through that process so I continued to pay on the loan. I did discover on my own that the reason for the increase in payments was because the original payments were interest only payments and the new payments are now interest and principal. In early XXXX I tried to refinance the loan with another company but in the end Capital One refused to provide the payoff amount because the loan is not in my name. I wasted a bunch of time with the refinance process due to Capital One refusing to provide the payoff amount. Recently, I was asked if I ever tried to assume the loan. This had never been presented as an option in all my discussions with Capital One. When I asked Capital One about it I was told since I no longer live at the property, I don't qualify to assume the loan. I had just moved last year and have renters living there now. I don't understand how Capital One can legally refuse to deal with me on a loan that I have continued to pay on for a property that I own and have another loan with them for the same property. Now finding out that I could have assumed the loan during the time that I still lived there is even more frustrating. They've caused me a lot of time, frustration, and hardship by insisting that I provide an executor letter and never giving me any other options during the last 3 years I've been dealing with this. To date I continue to pay $ XXXX/month and they still insist on the executor letter in order to discuss the loan with me. Capital One has also stopped providing me monthly statements since the end of XXXX so I have no idea what's left on the loan and what is actually due each month.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: STATE FARM BANK, FSB
State: TX

Complaint narrative:
Asked information regarding the rates. Gave credit score, year of vehicle, make and model, loan amount, loan length, salary and was told 3.44 % was the rate I was QUALIFIED for. When I did the application, the rate I was given was 8.64 % ( almost 3x ). I attempted and contacted my agent and State Farm bank to get to the bottom of it, but was told I would get a call back and received nothing. Once I got a hold of someone they refused assistance and I was told I accepted the application and what it entails. I was completely mislead and would have not applied if I was going to get an APR as high as 8.64 %

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TN

Complaint narrative:
I have spoken with the U.S.Secret Service regarding a wire sent abroad to XXXX XXXX. 
I signed a contract that has " XXXX XXXX '' language protecting my rights of 30 minutes before the recipient can receive proceeds from the International wire. I sent the funds on XX/XX/2018. How would I have a full thirty minutes to stop the transaction if funds were picked up or deposited? 
I am of the understanding that I have 60 days to dispute a transaction. I disputed the transaction before the 60 days were up on XX/XX/XXXX. 
I believe that I have been denied my XXXX XXXX rights of thirty minutes wait time. 

I have another separate complaint, It was found on a separate date XX/XX/2018 after I wired funds with in the United States that someone forged my name and sent the funds on to XXXX. Forgery is a crime, this was found out by a detective.

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 2018-03-27 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: CA

Complaint narrative:
My student loans are with Navient. I have been trying to apply for the NHSC loan repayment program. Navient will not provide me with proof that I applied prior NHSC funds to the loans. Last spring I requested ( of Navient ) a printout of all payments that I made on my student loan starting in 2010. They did not submit this to me. I missed the deadline, and was not able to submit the application.

This spring, I am trying again to apply for NHSC loan repayment. Again, I put my request in writing to Navient, specifically stating that I need a printout of all payments made on my student loans from 2010 to present. I need this on Navient letterhead, with dates the payments were made, etc. They continue to refuse this. In response, they sent out a notice of how my payments are applied. I am concerned that Navient 's negligence and failure to document my payments will ( once again ) result in me being ineligible to apply for NHSC.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
Opened Date : XX/XX/XXXX Closed Date : XX/XX/XXXX Highest Balance {$540.00} Amount Past Due : {$0.00} Balanced was paid in full not sure why it is showing payment status current.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I had called XXXX on XX/XX/XXXX to open a claim to an accident that happened on XX/XX/XXXX. I was on a three way call with XXXX and who I thought was an agent from Santander to finalize all of the information on the account and to have XXXX CLOSE the account with Santander. There was talks on faxing documents to XXXX ( from Santander ) when they received certain information from each other the loan would be taken care of. I had given my social, all personal information, and permission to have this done with Santander. I was under the impression the loan was closed out with Santander that day due to the information I was given from the " Santander '' agent. I received a letter of automatic payments coming out again from Santander. Upon calling them to check on the status of the closed loan, they had no record of me even calling. I had asked several times if he was sure and he said yes. I am afraid at this point my information is compromised, and that we didn't have a good phone number for Santander. I was three way 'd in so I do not know the number the agent from XXXX  had called. I reached out to XXXX to have them verify from me that on there end I had called and had the conversation and they confirmed everything with me for verifying I called and handled this on the XX/XX/2018.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reimer, Arnovitz, Chernek &Jeffrey Co., LPA
State: OH

Complaint narrative:
XXXX XXXX XXXX is trying to collect a shared private school debt of $ XXXX from myself only. They have yet to show me proof of signatures on these loans or the proof of the exact amount owed. This entity is currently under a law suit by the federal government and I want to make sure they arent coming after me unlawfully.

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 2018-03-27 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
On XX/XX/XXXX, Navient applied a forbearance to all 6 of my private student loans without my approval or knowledge. These forbearances ended on or about XX/XX/XXXX. On XX/XX/XXXX,  they applied another forbearance to 3 of my 6 private student loans, again without my approval or knowledge. These were applied purportedly due to " natural disasters '' in my area, yet I have not been impacted by any natural disasters at all. 

My private student loans with Navient have been a burden due to the amount of interest that has accrued, which has prevented me from being able repay them according to the payment plan I was given. 

I do not give Navient consent to apply forbearances to my loans without my approval. Forbearances only prolong and exaggerate the difficulties I already have in repaying Navient.

Company response to consumer: Closed with explanation