vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
On XX/XX/2018, my wife " XXXX '' and I applied for a Platnium charge card from American Express. We were approved that same day, while on the phone with a representative we asked for an additional card for me " XXXX ''. 

We received the approved card in the mail on the XX/XX/XXXX. We call AMEX to inquire about the second Platnium. We discovered that the AMEX representative ordered a Gold card vice a Platnium. The AMEX representative stated, upon receipt of the Gold card we should call to cancel it. He " XXXX '' then proceeded to process a Platnium card for me " XXXX '' taking all of my information and getting approval from my wife to add me as a user. He also stated that we would have the card by the XX/XX/XXXX. 

We received a letter in the mail stating that AMEX is unable to approve the additional card. 
We call AMEX and spoke with an AMEX rep. " XXXX '', on the XX/XX/XXXX, he said the application was submitted incorrectly for my additional card. XXXX for the 3rd time took my information and assured us that the card would be expedited to us and received by the rd of   XX/XX/XXXX. 

On the XXXX thers was another letter from AMEX of disapproval for the secondary card. My wife called asking to speak with a supervisor and the representative stated that one will call back in 24hrs. My wife had to call back after the expiring 24hrs on the XX/XX/XXXX to speak with a supervisor. The representative was reluctant to put a supervisor on the line. Frustrated my wife asked to be transferred to customer relations. Without a clear reason as to why a second Platnium card could be issued to no fault of ours. We then canceled and closed the account with AMEX. 


v/r Mr. & Mrs. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Fay Servicing, LLC
State: CA

Complaint narrative:
In contrast to as recent as XX/XX/XXXX the Consumer Financial Protection Bureau ( CFPB ) The Office of the Comptroller of the Currency ( OCC ) and the office of California Attorney General levying heavy fines against XXXX XXXX XXXX in excess of {$2.00} Billion for fraudulent activities perpetrated against hardworking mortgage holders. XXXX XXXXXXXX XXXX XXXX XXXX Senior VP of Lending and Executive Resolution Managers XXXX   XXXX, XXXX XXXX and their entire team have devised a new scam to continue defraud Home owners, already defrauded by the Banks deceptive employees by transferring or selling their questionable Mortgage Loans to Fay Servicing. Both companies have been notified numerous times in writing by us of directly violation 18 US Sec.152 & 3571 making a false and inconsistent statements to the Chapter XXXX Bankruptcy Court . 
In the case of Fay Service, we have served written letters ( see attached ) begin XXXX of XXXX to cease and decease all collection attempts on our XXXX XXXX XXXX Account since Fay Servicing is third party to a debt already in dispute with XXXX XXXXXXXX XXXX, and therefore lacks proper jurisdiction as a debt collector pursuant to 5 U.S.C. 1692-1692p, to date we have been ignored while the harassment and collection attempts continues. It should be noted, XXXX XXXX XXXX in its deceptive attempt to unload a questionable debt to a third party debt collector Fay Servicing which in turn recruited XXXX XXXX an individual located outside the United States in the country of XXXX to further enhance the original fraud perpetrated on our mortgage account while making false statements to the Chapter XXXX in the XXXX XXXX of California. 
Fay Servicing on behalf of XXXX XXXX Mortgage apparently ignore our XX/XX/XXXX letter ( see attached ) and proceed to file a fraudulent Notice of Transfer of Claim with the Chapter XXXX Court on XX/XX/XXXX in amount of {$690000.00} via Transferee/Transferees Agent XXXX XXXX, XXXX XXXX XXXX, XXXX. 
In summary, the same fraudulent activity perperatered on us in XXXX by XXXX XXXXXXXX XXXX in Loan Modification Bait & Switch has now mushroom into additional fraud by all parties making inconsistent statements to the Chapter XXXX Bankruptcy Court.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Step 1 : What is this complaint about? - Payment allocation Step 2 : What type of problem are you having? - payments are not being applied towards  the older balance ( purchase balance ) on my credit card. 

Step 3 : What happened? As of XX/XX/XXXX my credit card purchase balance was {$1100.00}. On XX/XX/XXXX, I did a balance transfer of {$3000.00} to my Wells Fargo credit card, per their promotion of 0 % until XX/XX/XXXX on balance transfers. Since then I made the payments as follows, to pay off the balance accumulating interest. However, my payments are not being applied entirely to the oldest balance, which is accumulating interest. Rather, they are applying part of my payment towards the promotional balance and part towards the purchase balance accumulating interest. With the payment shown below ; i should have paid the balance accumulating interest off, but that is not what is happening, and i believe these are bad business practices, as they are not allowing me to pay off the older balance which is being charged interest. 
XX/XX/XXXX - paid {$200.00} XX/XX/XXXX - paid {$100.00} XX/XX/XXXX - paid {$90.00} XX/XX/XXXX - paid {$85.00} XX/XX/XXXX - paid {$80.00} XX/XX/XXXX - paid {$600.00} XX/XX/XXXX - paid {$200.00} Total {$1300.00} - which should have paid my purchase balance in full, and any overage towards the newer 0 % promo balance. 

Step 4 : What company is this complaint about? - Wells Fargo Credit card Step 5 : Who are the people involved? XXXX in customer service and a rep from their credit card escalations dept. ( don't remember his name ) I spoke to them both on XX/XX/XXXX, and both told me my payments can not be reallocated to pay off the older balance, and that i could pay {$440.00} today and that would satisfy my purchase balance accumulating interest and then my future payments would be applied all towards my promotional balance. I believe they are doing this, so they can continue to charge me interest on a balance that would have already been paid in full. 
Additionally, they charged me a late fee for my XX/XX/XXXX due date, when the payment was made a month early on XX/XX/XXXX. They waived the late fee, however i feel like they will charge me a late fee on any future payments made before my due date, which i am sure i would have to call in and have them remove ; like i had to do today.

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 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statements did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
Attached is official court paperwork granting me Commission to Guardian filed XX/XX/18, for my mother who is now deceased ( guardianship still in effect until final paperwork is filed within 5 month period ). This guardianship pertains to deceased cardholder XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, NY XXXX. Previously, all statements and correspondence were being directed to the guardian as follows : XXXX XXXX XXXX, XXXX, NJ, XXXX. 
Subsequently, upon my mothers passing, another family member called to report the passing of XXXX XXXX and changed the address back to XXXX XXXX XXXX XXXX, XXXX, NY XXXX, this was not correct, this is the address of daughter XXXX XXXX who made a total of {$4400.00} in unauthorized charges on the card. Be advised, that the remainig balance due on the card is the responsibility of authorized user XXXX XXXX and not the estate of XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I called XXXX  Credit Card customer support on XX/XX/2018 to request a new card. We gained agreement on this resolution. 

At one point I had to speak with the Security Operations team  because I previously called in to put a voluntary freeze on the account. The customer service representative mentioned a " new account '' and I was alarmed. We gained agreement this process was about me getting a card rather than a new account. I wanted to use my existing account that was a good-standing, XXXX balance account on my credit statement I wanted to use and make sure it did not close. 

Full agreement was gained on the call I'd have a new card. 
Instead, the account was closed in error. 
I received a notice that was totally unrelated to the call asking for a new card on an account that has no balance or purchase disputes. The notice said, " We have completed our investigation regarding your claim of unauthorized use. Unfortunately, based on our review, we have determined that you are responsible for the charges in question. '' This was unrelated to my request for a new card. This was also unrelated to the erroneous closure of my account, which was never agreed to. I specified that I wanted the card to make sure I could still use and enjoy my card. 

This mistake needs to be corrected. Calls to XXXX have resulted in requests for me to call back again and speak with a different department. I need the issue resolved. It has resulted in tangible negative impacts and risk to my credit, and thus my finances. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo is misapplying payments across two student loans and charging unwarranted late fees. This is an ongoing issue with Wells Fargo. 

The most recent occurrence involved full payment to them on XX/XX/XXXX, and then receiving a letter stating they are imposing a {$140.00} late charge on 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 monetary relief
Consumer complaint received 2018-10-29 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
In XX/XX/2018 I applied for a HELOC loan through Bank of the West in XXXX, CA. 
I signed the final paperwork on XX/XX/2018 for the sum of {$100000.00}. 
On XXXX I received a phone call from the bank saying I had forgotten to sign a document. I thought that strange since I signed everything presented to me. I went down to the branch and spoke with Bank Manager XXXX and she asked me if I wanted to put the money in my checking account. I said sure that would be alright. She gave me a from to sign to ok this. I received my statements showing money in checking and HELOC account. However there were interest charges deducted from my checking account for {$390.00} XX/XX/XXXX-XX/XX/XXXX and {$450.00}. I went to the branch and spoke with XXXX that this was an error as I had not taken a draw on any money. She said when I signed that form that is considered on the entire {$100000.00}? I said what? Why would I do that when I had checks sent to be to use on the account. Why would anyone choose to pay interest because you asked me to come to the bank and ok putting into checking knowing I would have to pay interest. Who would be so stupid do pay interest while it sat in another account? She said well you signed it. I said that form said nothing about being charged interest. This is of course automatically deducted from my checking. 
I said I want that phony interest written off she said no. I did use {$4000.00} withdrawn so I could pay my contractor on XX/XX/XXXX and I realize I owe interest on that. So she said I could write a check for {$96000.00} to put in the HELOC account. I said all you are doing is changing account numbers? This is crazy. But wrote out check. 
I asked to speak to her supervisor and she said there was no one above her. I located district manager in XXXX XXXX XXXX and she said I signed the form so I have to pay. Went to my CPA he called her as he could not believe they try to get away with this and XXXX said the same to him. They deliberately called me to the bank to sign that form as I had already signed with original documents stating no to scam me on interest. 
I guess they didn't like it just sitting there and me not using it right away to generate interest? That is a lot of money taken from me that I didn't even touch. Help please.

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 2018-10-29 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: Consumer Portfolio Services, Inc.
State: OH

Complaint narrative:
Vehicle was repossessed on XX/XX/2018, two weeks after a partial payment was made and applied to the account. There was also a full payment made and pending on the account the same day the vehicle was repossessed. I never received a letter with instructions on how to how to send remaining payment, as required per state law, but the account was brought back current on XX/XX/2018, via the payment method I always use and released the same day after a very lengthy 45 minute call ( which included calling my bank to verify all of the funds submitted were not in the process of being canceled ). 

On XX/XX/2018 and XX/XX/2018, CPS reported to all of the major credit bureaus that this account was last updated with a payment made on XX/XX/2018, the account status is Involuntary Repossession and they closed the account. The account is in fact current and the due date effective XX/XX/2018 and XX/XX/2018 is XX/XX/2018. Also, I am showing that for the entire term of the loan ALL payments have applied soley to interest only.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Cooling & Winter LLC
State: GA

Complaint narrative:
I was notified by court on XX/XX/XXXX to appear in XXXX XXXX COURT ON XX/XX/XXXX re : Garnishment filed on XX/XX/XXXX against me from Cooling & Winters Attorneys At Law. The judgement was from a creditor from XX/XX/XXXX. In XX/XX/XXXX it was handled by XXXX XXXX XXXX XXXX XXXX. A law firm that was sued her in GA for illegal practice Civil Action No. XXXX. This is basically the same firm with a different name. 
They have not proven I owe them any money/or that they can collect on a debt/hearsay owed. I was under a debit consolidation firm in XX/XX/XXXX which may have been in partnership with XXXX XXXX XXXX XXXX XXXX due to the fact they were also found to be fraudulent. I will be asking for validation of debit a Signatures or proof of contractual obligation to pay them. the are required by law to produce elements such as the original agreement account # & my signature. further more there is not a contract bewteen XXXX XXXX XXXX & myself. I will be going to court again tomorrow to fight this corruption.

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 2018-10-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Back in XX/XX/XXXX I sent TransUnion a dispute letter asking for them to verify some negative items on my credit report from a higher standard than a computer generated inquiry, or third party association. I informed TransUnion, that if for any reason that they verify any of the disputed items as being accurate, that I want them to provide me the original documentation that I signed, pursuant Section 609 of the Fair Credit Reporting Act that states the creditors must provide the Credit Bureaus a copy of the original documentation. TransUnion received my dispute letter on the XX/XX/XXXX on a Friday, and has failed to respond within 30 days, therefore the items I disputed are unverifiable, and must be deleted. The proof is attached to my complaint.

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 2018-10-29 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I recently got approved for $ XXXX with BBVA Compass. I was given a higher interest rate and the score used was a strategic move to manipulate the system. My fico is over over 750 I was given a 14 % plus rate. They claim my score was XXXX XXXX. I purchase a car about the same time and the dealership told my XXXX was XXXX and XXXX XXXX was XXXX. I call the corporate office and it rang a few time then hang up. When I made contact with the number on the application I was told I could reapply in 6 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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 — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have a mastercard from Sears ( SYW ). This company offered a promotional balance transfer for the transactions of {$500.00} and over would be paid within next 12 months after the purchase date. I made few purchases over {$500.00} in the month of XX/XX/XXXX, XX/XX/XXXX and XX/XX/2018. They have charged me twice the amount of charge meaning once they added that amount into current balance as well parsed that amount for payment over 12 months. This's called 'double dipping ', I called multiple times, agent do understand my point but unable to help fix fraudulent charges made by credit card company. They would always hang up and disconnect the call. Now I think it's useless to call them anymore. May I seek your attention to get it fixed while imposing any penalty for this fraud committed throughout the nation. Should this case be referred to courts, may I seek competent attorney who can help resolve this issue?

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 2018-10-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
I recently opened my credit report and discovered unknown accounts ; XXXX XXXX XXXX ; XXXX  XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX. I am a identity thief victim. The following accounts are not my accounts. I've also included my identity theft affidavit of which I've sent a copy to my local sheriff department for further investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-29 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: Bepensa Capital, Inc.
State: TX

Complaint narrative:
In short, AFS Acceptance financed a vehicle to me in XX/XX/XXXX. The vehicle was NEVER registered to me and I have not been able to use the vehicle though I made every payment on time, through XX/XX/XXXX. Beginning XX/XX/XXXX, I requested AFS to take action to obtain the registration and license plates I had paid for and subsequently been billed for. Months passed before AFS finally contacted me to inform me they had to " double pay '' to obtain the title and would be sending me the registration/tags. I NEVER received them. I tried to trade the vehicle in for another one in XX/XX/XXXX, I was informed this vehicle was titled in someone else 's name and had a different lien holder listed. In XX/XX/XXXX, AFS 's Title Manager admitted to me that AFS had NEVER obtained a title for the vehicle. I asked for the amount I had been billed upon the loan initiation ( for taxes, tags, documentation fees, and registration fees ) to be credited to my account from the date of initiation so that I would also be credited for the finance charge for said monies. 
SHE REFUSED. She also informed me AFS had filed for a bonded title with the State of Texas in late XX/XX/XXXX. In XX/XX/XXXX, I filed a complaint against the auto dealership and then found out AFS had NEVER applied for any bonded title. I contacted an attorney at that time and was instructed NOT to pay anymore on this fraudulent loan. AFS was informed of my intent to sue and they were also instructed NOT to make any false or negative reports to the Credit Bureaus. I am providing documentation including emails from AFS representatives LIEING to me about having possession of the title, and correspondence from my attorney, XXXX XXXX. I can also provide a chronology of events with evidence I have to substantiate my claims. I do not want AFS to have access to those documents at this time as there is a lawsuit pending for Deceptive Trade Practices and Fraud.

Company response to consumer: Closed with explanation