vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bronstein & Weiss Arbitration
State: TX

Complaint narrative:
I received a call from someone at a company called XXXX XXXX XXXX. Initially the voice started out as an XXXX accent then went to a recording. The recording stated that I am being served at my place of employment or home that I have 2 hours to get there. Call them back to make an arrangement or we will see you in court. They call came through anonymously and I let it go to voicemail. I do not owe anyone or anybody anything.

Company response to consumer: Untimely response
Consumer complaint received 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XXXX XXXX, XXXX at XXXX dealership, inquired about their ad on change car. Sales showed me 3 Certified XXXX XXXX autos, drove one. Liked it, price reasonable, had the accessories I wanted. Inside dealership, sales tells me he can't sell me 'that ' cat, but can sell me other one. Told me it's the same, just different color. Was promised price would lower. I explained to him, will not have packages added, alert your finance man, he agreed. When I met with finance mgr., he told me my trade-in price. This was the only info he gave me. Explained I can not afford high payment. Sat for 2 hours in small room, no ventilation. Due to my back failure, told finance I had to walk. Doing so, sales told me I was approved, you have to remove items from your car. Doing so, called to finance office, he told me to sign in few places. I asked for the break down in numbers, he explained numbers, made no sense, repeated this to me again. Interest rate never said to me, or car does not have the accessories you wanted. Outside again, removing items, sales came to me : " finance made error, just initial here ''. This point, in pain I did. Receive some paperwork, drove 3 miles home. Once home I looked at oil level, ( 15 % ), called sales, told come back in am early. Plus remote key not working. If 'Pre-Certified ', all should have been checked. Next day met with sales, told him contract is packed with items I never requested, plus high rate of interest 18 %. His response ; if you cancel package, you will have to pay for the oil change! Outraged, told him to cancel it, & finance mgr. Sent via fax, telephone & mail, to finance mgr to remove & adjust contract. 45 days later Honda Corp, upon my form request removed 2 packages, deducted funds from total loan. Interest never changed. Since XXXX XXXX to XXXX XXXX, replaced battery twice, radio electronics repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ZIONS BANCORPORATION
State: TX

Complaint narrative:
On XX/XX/2018 XXXX received a check from the XXXX XXXX XXXX with only my endorsement, the check was clearly made out to XXXX XXXX and XXXX XXXX XXXX they cashed the check with only one endorsement I will submit a copy of canceled check and 2 letters from XXXX XXXX indicating that XXXX XXXX never received and endorsed the check. I contacted the bank in XX/XX/XXXX and was told they could not help me because I was not on the account the check number is XXXX and the amount is XXXX dollars for my roof repairs from XXXX XXXX XXXX XXXX XXXX I will be filling a complaint against them trough another agency. I feel a law was broken by cashing a check with a single endorsement when it clearly needed 2 the check has  an account number and a transaction number printed at the top of the pic.

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 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I am the co signer on my daughter 's student loan. My daughter suffers from XXXX, XXXX and other XXXX  health issues that arose during her XXXX year away at school. for these reason, she was forced to withdrawal from school. she has been XXXX on 3 separate occasions and is still in the process of recovery. 
She began her attendance at XXXX in the fall of XX/XX/XXXX. She withdrew from all of her classes in the fall of XX/XX/XXXX and subsequently did not return to school thereafter. 
She did contact Wells Fargo regarding the student loans to get the deferment with the hope that she just needed time to find the coping skills and help she would need to go back to college. Unfortunately, this was not the case. She then contacted Wells Fargo with the hopes to lower the payments or restructure the loans. We both provided them with all the necessary paperwork ( it should be noted that this took months to compile as financial issues are a huge trigger for my daughter 's XXXX ) After this time, Wells Fargo called my daughter to say that " you are in such bad financial condition that there is no payment you could afford, so therefore we can not help you and the same monthly payments will be due '' and by the way, all the late fees and such have added up during this time. 
we are simply looking for some help during this time of recovery for my daughter and I. As a cosigner, I know I am responsible as well, but I am a XXXX mom of XXXX and am still paying for all the XXXX care and hospital bills from her condition ( as well as XXXX surgeries I have undergone during this time, as well as a hospital stay bill for my son ) Please let me know if there is any help for us at this time. 
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 monetary relief
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc.
State: IN

Complaint narrative:
I just discovered I had an outstanding collection for an XXXX XXXX XXXX account I thought had already been handled. Now after paying the debt in full it is still showing as a collection on my credit report and Im also seeing where Diversified consultants repeatedly removed it from my Bureau and then re opened the following month lowering my score tremendously.. I never received any mail or calls about the debt and would of had no clue had we not been applying for a mortgage

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I have 3 bank of america accounts : a checking account, a savings account, and a credit card. 

I transferred about {$6.00} too little from my savings into my checking account before paying my credit card. 

Bank of america charged me a XXXX $ overdraft fee because i had a - {$6.00} balance in my checking account after my credit card was paid. 

Now I am struggling to pay the XXXX $ fee, when I did have enough money in my savings account to pay the credit card bill in the first place. 

Bank of american refused to refund the overdraft, which I thought they should of because they should see ( since all my accounts are with them ) that i was just paying their credit card, and i have enough funds in my savings account for that transaction.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Date : Since Wells Fargo assumed my mortgage on or about XX/XX/XXXX. 

Disputed Escrow Account Charges : Approximately {$700.00} or more Disputed Late Charges : Approximately {$180.00} or more Unfair charges to my escrow account regarding flood insurance, for which I have provided proof of. My unit is on the XXXX floor of a building. My building is covered by flood insurance and has provided proof of coverage to Wells Fargo and its predecessor mortgage company I have provided proof of flood insurance but they continue to charge me for it Establishment of Escrow account when it is not needed or required and without my consent- estimated to be {$50.00} per month or more Inaccurate charges late charges when my bank has been making automatic payment on time like clockwork estimated to {$13.00} per month or more Negative amortization to my loan balance that are unauthorized My outstanding balance on the mortgage has increased Wells Fargo misapplies my additional principal payment into an escrow account which should never have been established in the first place Attempted to response the situation, but Wells Fargo continued to promise to resolve the situation but they never do- they retaliate further Non-stop harassment phone calls in early mornings before XXXX XXXX, on weekends before XXXX AM on Saturdays and Sundays, before XXXX XXXX and in the evenings, after XXXX XXXX   Wells Fargo is harassing me because I have a 15   year fixed rate mortgage at 3.250 % originated in 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 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TN

Complaint narrative:
Thursday, XX/XX/2019 I called XXXX Nissan of XXXX about a vehicle I was interested in online. I spoke with a salesman named XXXX. XXXX and I negotiated price over the phone and I made clear my intentions were to make a down payment of {$10000.00} on the vehicle and finance the rest. XXXX had to get approval from his manager but in the end he came back and told me his manager approved the deal. 

Friday, XX/XX/2019 My wife and I drove to Nissan to purchase the vehicle based on the agreed deal. Our salesman, XXXX had stepped away to make copies of our driver licenses and print the paperwork. He was gone for a pretty long time and eventually another associate came over to our desk. This other gentleman begins to explain how he can not allow us to make a down payment on the agreed upon price of the vehicle because, " we wouldn't make enough money on the deal. '' I argued and pushed back because I was told the manager had approved the deal knowing my intent to put money down. In the end, I agreed to purchase the vehicle anyway, because I wanted/needed it. 

We eventually made our way back to the finance manager, XXXX to close our loan. I told XXXX what happened and he shrugged it off like it was no big deal and even said, " Oh yea we have a new sales manager out there who came from a dealership in Florida. He won't let anyone with good credit make a down payment. '' The next week or so ... 
I called Nissan USA Consumer Affairs to make them aware and they created a ticket so that someone could follow up with me. A man named XXXX called me and explained that since the dealership is privately owned they couldn't really do anything about it, but that he would send it to the dealership directly so they could contact me. No one from the dealership ever reached out for resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Systems,Inc.
State: GA

Complaint narrative:
Have asked company to validate debt by showing court documents of debt allegedly owed and they have failed to do so. Have disputed over 3 year period and company is not removing from credit therefore causing exxtreme hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Citibank never credit the bonus I should get as they advertised and lying through their teeth by Citigold account rep and the branch manager. 

XX/XX/XXXX, Citibank had an online advertisement saying " For a limited time, new or existing Citi Priority or Citigold customers can earn up to a $ XXXX- {$700.00} cash bonus. To enroll, simply speak to a representative at your local Citibank branch or call XXXX ''. 

XX/XX/XXXX, I enrolled in this promotion with a representative named XXXX. 

XX/XX/XXXX, {$25000.00} was transferred from XXXX XXXX XXXX to my Citibank 's Saving Plus account and the fund is shown at Citibank on XX/XX/XXXX. 

XX/XX/XXXX, after 4 and half month of deposit, Citibank didn't credit the bonus. I called and spoke to XXXX ( who did not want to give me his last name ), questioned the cash bonus. He wasn't able and not willing to provide any help. 

At beginning of XX/XX/XXXX, I spoke to Citigold Relationship Manager XXXX XXXX, he insisted I have to sign the " Citigold Team Engagement Terms '' form, even though he acknowledged that this form has nothing to do with the cash bonus, but I signed the form anyway. 

With numerous attempt try to get this resolved with XXXX XXXX, but all he did was telling me that he would look into it. He didn't do anything and never returned any of my calls. 

XX/XX/XXXX, I called XXXX again and was luck enough he answered phone. He told me that he was going to speak to his manager and would get right back to me, bu again he never did. 

XX/XX/XXXX, I escalated this to the branch manager XXXX XXXX, She promised she'll look into this and give me an update in two days. 

But she didn't and never provided me any update. I made repeated inquires on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, all she did was telling me that she would look into it. But she never did anything, never provided any update or any resolution. 

More than 13 month after the deposit was made and the repeated requests to have this rectified, Citigold account rep and branch manager refused to take corrective action. This was not just only a deliberate false advertisement and deceptive business practice, it also demonstrated Citibank 's customer service 's culture which is full of lying and deceiving. 

As a Citibank customer for more than 3 decades, I should deserve an explanation from Citibank management team, why Citibank breach their promise and refuse to credit the bonus they advertised? Why the Citigold account rep and the branch manager keep lying to their customer.

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 2019-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was cheated by a lier mortgage account executive who increased my proginal offered interest rate from 3.74 % to 4.25 %, closing was on XX/XX/XXXX and I submited my complaint to Wells Fargo on XX/XX/XXXX and the answer was that they were sorry, but they could not change the rate.

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 2019-03-12 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: SELECT PORTFOLIO SERVICING, INC.
State: IN

Complaint narrative:
SPS took over my mortgage as of XX/XX/XXXX. I received my first statement in XX/XX/XXXX. I noticed it had a caption regarding bankruptcy. I called and they stated it was because I had a bankruptcy associated with my social security number. But that I am in good standings with them. I started a re-finance thru another company and when it came time to view my payment history, they stated there was none on my credit bureau since XXXX XXXX was paid in full. I called SPS back XX/XX/XXXX and they stated that my home was discharged in bankruptcy and by law they could not report to credit bureau. I told them no, my bankruptcy was discharged in XXXX and I assumed the mortgage in XXXX. I was advised to upload the documents and I was not allowed to speak to the bankruptcy department until I did. XX/XX/XXXX I uploaded all requested documents to their website. XX/XX/XXXX Spoke with XXXX XXXX @ SPS he stated no changes. XX/XX/XXXX spoke with XXXX and requested a supervisor. XX/XX/XXXX Spoke with supervisor XXXX XXXX and she stated she would escalate the review, it would be taken care of 14 business days versus the 30 days. XX/XX/XXXX Spoke with XXXX XXXX she stated no way to expedite. XX/XX/XXXX spoke with XXXX XXXX and again got no where so I asked for a supervisor again. I was transferred to XXXX XXXX he stated should have an answer by Friday XX/XX/XXXX. Called XX/XX/XXXX spoke with XXXX XXXX with no updates. XX/XX/XXXX Spoke with customer service rep and requested a supervisor, they stated all of them were busy and they would call me by end of business day. XX/XX/XXXX No call from supervisor, called and XXXX XXXX answered ; I again requested a supervisor. I was transferred to XXXX XXXX She stated their bankruptcy department agreed with my documentation and that advocacy department now has the file for the credit updates. It is now XX/XX/XXXX after the 30 day review with nothing updated or corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: GA

Complaint narrative:
I sent this collection agency a validation of account letter on XX/XX/19 trying to get information about the original creditors. I asked that they provide me with documentation showing the original creditors, account number, complete payment history. I also requested documentation showing that I agreed to pay the past due amount on this account, any agreements that were granted authorizing them to collect this alleged debt because Ive never had any written or verbal contract with this agency. The only information I was sent was original creditors address, account number, and balance. They didnt provide any clarification showing how this alleged debt was calculated or my responsibility for this account. I disputed the original creditors file on my credit report and when they couldnt provide me with the information asked for they were deleted from my credit report so they decided to give the alleged debt to this collection agency who like I said before Ive never had any sort of contract with to collect on something that they havent provided any accurate information about this alleged debt. This agency is continuously running this alleged debt every month on my credit report damaging my score which isnt fair because they have failed to provide me accurate information. Would someone please assist me in correcting this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Texas Guaranteed
State: GA

Complaint narrative:
I attended XXXX XXXX College back in XXXX for one semester before moving back to XXXX.. I received {$600.00} for my first semester and 2 semester I withdrew and returned my second semester check back to the school..in XXXX i started receiving calls about paying off my loans when I set up arrangements a year later my loans continue to increase.. im not responsible for any other funding sent to XXXX XXXX  College after I withdrew..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
in XX/XX/XXXX I am attracted by work downtime calamities, going through a financial downturn in XX/XX/XXXX I request a request for forgiveness so as not to pay for the coming months 2 months I speak with the bank regions which the operator tells me that if I qualify for forgiveness and sent via email with the form, which was sent by me and I had no contact with them through email, I continue to send my monthly payments and in XX/XX/XXXX I find out the receipts that appear 2 months to pay which I hear that the letter of forgiveness was incomplete because the reason was not included in writing within the application, Now it appears to me reported in my credit record the 6 months as if I were trapped 30 days for each month ... that totally lowered my score which I am requesting a line of credit and I find out that all those months affected me totally having fulfilled their requests I need that please take into account the documents that demonstrate the fulfillment It is not good for me to report because of a communication error and not lack of payment or request from my partner.

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 2019-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I went to on XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX to purchase a new car. I was Preapproved by XXXX XXXX. I told my sale representative that I would only want the dealership to pull credit and only send my application only to XXXX XXXX. I stated that I do not want any other credit to inquire on my credit report. I explained this to Sale rep XXXX XXXX my concerns several times ( 4 times to be exacted ).  XXXX ensured me that he would let the finance manager know my request. I took it a step further and also write on my credit application to only work with XXXX XXXX.

Company response to consumer: Closed with explanation