vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am beyond disapointed by Bank of America they are nothing but liars and they have not helped me at all during this past month. A couple months ago I found out my account was closed, I called them and advised them that I currently wasnt working, but I would be soon be moving and getting settled with a new job and I would be able to settle my debts. I then asked the reprasentive the big question. Once my debts were settled would I be able to open a new account. The representative convinced me that if I paid off my balance, I would be able to open up a new account by the end of that week. So I pay the XXXX to make it right with my overdraft fee and the XXXX on my credit card with them. The week comes and goes and once I notice that the funds are out of my account I go back to the branch all I excited that things are comming along. I then get told that bank of america will never open an account with me again. Of course after that statement I was confused. Not only did the woman I spoke to earlier in the week say once I paid I could re open she never mentioned that my account also had supposebly a fradulent check that tried to be deposited. During that time of my life I was jobless and didnt have money comming in and Im not sure how it happned but my card was stolen. They told me to write a statement and my name would be removed from the XXXX XXXX   and XXXX XXXX. I also dared them to check out the survelliance for who ever diposted a check into my account because it was never me. It was theft. A month has came and gone and stilll no answers despite the fact I am constantly calling to make inquiries. I have no desire to ever have an bank account with tyrants ( BOA ). But the fact is I am a victim, I paid all my debts and still everyday I been getting nothing but the run around. If Bank of America is not willing to let me open another account, good riddance but dont mess with my livlihood, lie, give me the run around. Keep ur paid debts and give me back my XXXX name, Take my name off XXXX XXXX and XXXX so I can move on with my life, Bank of America is a self serving entity and I suggest you never choose them to be your home bank. 



-XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Seterus, Inc.
State: FL

Complaint narrative:
Seterus claims they have a foreclosure on the property ; however, there is no evidence to support that claim. The mortgage company was XXXX XXXX XXXX not Seterus. I have requested a copy of the closing documents but have not received them in over a year since I requested them. Under the legal I have none, if this company attempted a foreclosure there would have been legal information. Please help. My e-mail address is : XXXX. 



Thank You, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ERC
State: TX

Complaint narrative:
I recently pulled my credit report I am unfamiliar with the debts ( 2 ) listed from this company I was never notified of any collection I called the number on the website ( XXXX ) XXXX I pressed ( 0 ) for an operator because i didnt have an account number when speaking with a Representative about the alleged debt once i verified my identity the rep imminently start trying to collect a payment for the alleged debt when I asked for a supervisor the rep then got rude I was placed on hold then line disconnected

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.

Complaint narrative:
Equifax has a wrong last name on my reports also : it suppose to be XXXX not XXXX were it says INFO Provided in this report includes info reported under the name ( s ) thanks XXXX XXXX XXXX Finally got report from them XX/XX/XXXX thanks :

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a loan with CAPITAL ONE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CAPITAL ONE with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XXXX XXXX / XX/XX/XXXX / XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Last week XX/XX/XXXX I contacted American Express after I received a letter from American Express dated XX/XX/XXXX ( a copy is attached ) in which it stated that " American Express offers payment options for card members who may be experiencing financial difficulty. '' While trying to contact an American Express representative I was given a recording in which it was stated that American Express had only outside debt collection agents in which I would have to pay a fee. Yet in XXXX, XXXX I was told that American Express had a debt settlement program for 5 yrs, 7 % interest and a monthly payment of {$290.00}. 
In the letter dated XX/XX/XXXX American Express stated " we provided accurate information and serviced your calls professionally ; this statement is completely false!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Conn's, Inc.
State: TX

Complaint narrative:
I have a loan with CONN CREDIT CORP. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX, XXXX and CONN CREDIT CORP with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX / XX/XX/XXXX / XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
I XXXX XXXX have been trying to modified with my Lender in which before it was with XXXX XXXX XXXX and then got transfer to Shellpoint Mortgage Servicing. I have been denied several times due to lack of financial income. I resubmitted again with new financials and still I got denied again but this time I was denied due to Value of my Property. Shellpoint is stating that I have value in my property and that information is incorrect. I received an NPV report in XX/XX/2018 and I send this information to XXXX a nonprofit organization and they advised me that this report is stating that I have Equity and that I am not delinquent. This information is not accurate. I do not have Equity, I owed more than what is valued and I am over {$100000.00} delinquent with my mortgage payments. Please read the NPV report and help my understand why Shellpoint is stating I have Equity and that is why I got denied plus it states I am not Delinquent. I very worried that I lose my home, I have made all attempts to save my home but I get denied and I have been placed in Foreclosure several times in which I had been forced to file Bankruptcy to protect my property. I am enclosing a copy of Shellpoint NPV Report, Shellpoint Exterior Appraisal, Mortgage Statement and my own Appraisal Report in which I had to pay to dispute that my home does not have Equity. Please need your help, I am seeking help to keep my home and that Shellpoint find a workout solution for me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: WESTERN UNION COMPANY, THE
State: CA

Complaint narrative:
Hi, I would like XXXX XXXX XXXX/Compliance officers to review the attached money laundering typography and ensure that the money laundering receiver XXXX XXXX XXXX XXXX is banned from using the Western Union network because she is dealing in the proceeds of a criminal human trafficking enterprise.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
On XX/XX/XXXX, XXXX and XXXX XXXX filed for a modification to Ocwen Loan Servicing, LLC for my husband and me. On XX/XX/XXXX, a letter was sent from Ocwen to us that the application was complete as of XX/XX/XXXX. However, on XX/XX/XXXX, a decision letter was sent out to us and this came as a surprise to us because it was a denial letter for the modification. The result was astounding. It explained that our home is worth too much money. One would infer that if our home costs much more than what we owe the bank, then that would be a good reason for us to get the modification for the property. However, this was not the result. Therefore, it stunned the people of the company who were assisting us and we were also astonished. The reason is that, XXXX and XXXX XXXX told us that they have been doing modification since XXXX and they have never heard a reason like that before and the same applied to us. Thus, XXXX and XXXX XXXX told us that they appealed that decision. 

As seniors, with a meager total combined income from Social Security 0f {$1100.00} plus {$600.00} from one of our daughters who are helping us, how does Ocwen think it is possible for us to pay {$1500.00} each month for mortgage payment and to survive? 

Please see what you can do to help us and thank you for your Kind consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
I filed chapter XXXX bankruptcy and reaffirmed my mortgage with Fay servicing during the bankruptcy process. I have contacted the company on multiple occasions and provided them proof of the reaffirmation but they are not reporting my mortgage payment history to the credit bureaus because they repeatedly claim they do not have the reaffirmation paperwork. This has interfered with my ability to refinance my mortgage even though I have provided the necessary documentation multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Northstar Location Services, LLC
State: TX

Complaint narrative:
Northstar locations contacted my job. I can not accept or take calls at work. They should contact me directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account Disputed XXXX XXXX XXXX with Equifax because it is unknown account and I have no knowledge of account and no contract for this account

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Clark County Collection Service
State: NV

Complaint narrative:
To Whom you may Concern, I have recently been looking at my future to try establishing my credit to get resources that would hopefully help my future be secure, however I have come across complication on credit that is questionable and I need these to be corrected .I am in hopes that all things can be corrected and solved so I am able to move onward and upward to have better and greater future. 

Thank you in Advance Respectly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX of 2018 we started the Home Mortgage loan with Wells Fargo. And on theXX/XX/XXXX Wells Fargo informed us with the pre-approval letter and they told us that it was very likely that the loan was going to be given out to us. They also informed to us that commitment letter was going to given out to us as well. And on the XXXX of XXXX commitment letter was received and we notified all the party that the transaction was going to happen soon. They told us to pay Wells Fargo {$660.00} for the house appraisal. And the {$660.00} was given out to Wells Fargo on the XXXX of XXXX. And on the XXXX of XXXX they denied my loan. Nothing changed and we did everything in our power to listen and gave Wells Fargo out trust.Through this whole process and we spent a lot of time and money outside from third party as well. We trusted Wells Fargo and even paid {$660.00} like they asked after telling us that the loan was going to be given out. We talked to Wells Fargo and they told us that they do not have time to deal with small issues and kick us to the curb. They also stated that if we wanted our money back for the unfair treatment, we were going to have to file a complaint to the Consumer Financial Protection Bureau.

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 2018-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: DLC, LLC
State: NV

Complaint narrative:
To Whom you may Concern, I have recently been looking at my future to try establishing my credit to get resources that would hopefully help my future be secure, however I have come across complication on credit that is questionable and I need these to be corrected .I am in hopes that all things can be corrected and solved so I am able to move onward and upward to have better and greater future. 

Thank you in Advance Respectly, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
trying to see my credit report not letting me see it cra, ftc  violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier XXXX has 5 inquires and transunion that are not mine encloses

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 2018-06-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
trying to see my credit report not letting me see it XXXX, XXXX violations they have the police report XXXX item lost stolen have insurance so I went with a new carrier so they don't want to refund the lost or stolen item that the warranty covers b/c I went to a new carrier Experian has 5 inquires and XXXX  that are not mine encloses

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 2018-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
XXXX who is not doing anything they are sued for taking people home fulse foreclosure everything they do is only a road to take people home. 

I get hundreds adds every month lazy unsuccessful real state agents cricket attorneys who want to pay cash for my home its stressfull I hate checking mail my XXXX XXXX is constantly high

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 2018-06-27 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: John C. Heath, Attorney at Law, PLLC
State: WA

Complaint narrative:
I have had over XXXX inquires that i didn't authorize. I had submitted a credit report score for loan purposes and the score came in the mail saying my score was XXXX which is impossible. I also recieved 2 others and my score has remained the same for years.. it usually is XXXX and the lowest it reached was XXXX which then was the time i recieved automobile solicitors calling me by the day and night. I also started recieving auto insurance company 's calling all day also. I know i only applied for a personal loan with XXXX company 's. And i can recall two of them calling me saying my loan application had be accepted and i was gon na receive funding in 24hrs. I submitted the verification information they required and i was told my funding would be deposited into my checking account the next morning. That my score was XXXX. I agreed with the amount and amount to be paid back. I was then transferred to a credit repair company who insisted i needed to give information as a assurance procedure since i was granted the loan. My credit score since these interactions have been all screwed up and my loan also never was recieved. This was a process that was used on me at least 5 times, thinking i was recieving the loan as promised and each time having been mislead and manipulated about the funding i needed and my credit score sumhow being effected by extreme measures. The companies i referring to are as follows.. XXXX, XXXX XXXX and XXXX.. also XXXX credit repair XXXXXXXX XXXX which multiple times attempted to charge me money saying it would come out of the loan amount i never recieved yet took my account numbers to any possible accounts i had. Very unprofessional results and manipulating sales pitches and technics. The department of XXXX XXXX also has done sum kind of report that is misused its authorized access. I have paid plenty and should not be penalized for my XXXX son whom is XXXX old now and i paid alot of the amount owed more then 85 % of the total. Please look into these reports against my credit i have not done this to myself. And how could i receive a XXXX credit score?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
From XX/XX/XXXX- XX/XX/2018 I had noticed a few unauthorized transactions on one of my paypal accounts.Paypal claiming I made these transactions but with no verifiable proof of me doing so. I have tried a couple times getting in contact with them regarding these transactions and they still continue to deny recovering my funds. This is not even their money and they have no right to keep me from recovering these funds. 

Statue of limitations allowed me to file any and all unauthorized/fradulent transaction ( s ) up to a year from when it was first noticed. I had noticed it right away and because I have many other unauthorized transactions on other accounts from similar vendors I have either missed deadlines on some of my disputes but regardless have not been informed or even given a chance to defend myself. They have un-verified users having a field day with some of my accounts and this is simply not professional in any way. I want to have my disputes either re-opened if possible or I want to just have my funds recovered and sent back to me as soon as possible because Ive been struggling this whole year due to identity theft and someones gained access to multiple accounts of mine here on Paypal and outside Paypal and is now either making these purchases to send to themselves or find a way to steal my money. Paypal has successfully let this happen and I have been treated like a criminal at times when calling in and have been late on payments and when I had told Paypal of these issues and the issue of me, my daughter and my wife having no money at XXXX point and that I needed to recover my money, Paypal continued to wait and brush me off. My family and I didnt even have a meal to eat at times because Paypal decided in the wrong favor. Now I want the following transactions to please be noted and if still possible per the Statue of limitation, recovered and sent me via personal check. They are as follows : XX/XX/18 {$25.00} XX/XX/18 {$10.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$25.00} XX/XX/18 {$20.00} XX/XX/18 {$20.00} XX/XX/18 {$25.00} XX/XX/18 {$23.00} XX/XX/18 {$0.00} I was denied these claims and have no reason as to why?? These merchants have plaqued my life and have been a huge inconvenience to me at times. I have done nothing but try and work with Paypal regarding these claims and Paypal has done nothing but denied all my claims here and treat me like some sort of criminal here Please help here! 

Kind Regards, XXXX XXXX

Company response to consumer: Closed with explanation