vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX we purchase furniture that we returned and the merchant put the money back into our card. Wells Fargo advised us to wait two business days. I did then we called after two business days and the CSR for Wells Fargo stated they see the refund on the back in it still processing to wait another 3 days so I Did after the third day I called the banker stated that for one reason the refund isnt going into my bank account. They were having a tech issue and that he will make the funds available and contacted supervisor. Same was told due to a tech issue the money is stuck and wont transfer to my acct. they made funds available due to me having to wait and their tech issue. Then on XX/XX/XXXX they reverse it. When I called the bankers gave the the runaround for 4 hours and then when I spoke to the claim manager they stated that the atm debit department closed 30 mins ago and she wont do anything my account it negative and I still havent got paid convinietly the dept is close on the weekends

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 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Hi there, I got the upgrade offer for my American Express credit card in XX/XX/XXXX, it was spending {$2000.00} then I will get {$250.00} statement credit. I applied the upgrade and met the spending requirement on XX/XX/XXXX. I contacted AMEX many times about this {$250.00} credit wasn't added to my account, they just said I need to wait more time. Today they said their marketing team refused to issues this {$250.00} credit to me because I have done this offer in XXXX. But the offer 's term didn't mention it, and the offer was showing in my online account before I clicked the upgrade my card bottom.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My mortgage provider changed from XXXX XXXX   XXXX to Select Portfolio Servicing inc. in XX/XX/XXXX. Since then SPS has sent me a letter every month fraudulently rasing the interest rate over and over again ( 30 letters as of XX/XX/XXXX ). Every letter is the same ( see attached ) and it states : begin quote : INTEREST RATE : We calculated your interest rate by taking a published " index rate : and adding a certain number of percentage points, called the " margin ''. Under your loan agreement, your index rate is 2.33167 % and your margin is 3.10000 %. Your index is 1 YEAR TREASURY CONSTANT MATURITY AVERAGE RATE and is published MONTHLY BY THE FEDERAL RESERVE BOARD. 
end quote : My interest rate never increased with XXXX XXXX ( 3.51 % XX/XX/XXXX ) but ever since SPS took over they've been fraudulently raising the interest rate over and over every month ( 5.43 % XX/XX/XXXX ) and above what it's supposed to be at the current ARM rate. This company is taking advantage of me and fraudulently over charging me. SPS will not stop fraudulently raising my interest rate every month and will keep doing it to take advantage of me. My ARM rate needs to be corrected and adjusted to correctly reflect the current ARM rate. 

SPS fraudulently increased my mortgage payment from {$1300.00} to {$1400.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1400.00} to {$1500.00} on XX/XX/XXXX. Again they increased my mortgage payment from {$1500.00} to {$1600.00} on XX/XX/XXXX. In a matter of 3 years my mortgage payment has increased {$240.00}. My interest rate is not being correctly adjusted and this needs to be fixed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
In 2013 my husband applied for a HELOC loan. According to my husband, it would be necessary for me to sign the papers for said loan. I was unsure why, as I am not on the mortgage and I am a homemaker with no monetary income.But, as I was told by the bank and my husband that it was just a " Florida Thing '' and strictly a formality. However, I am on the deed. The entire amount of the loan was deposited in to my husband 's account. I had no access to the HELOC account at all. I am divorcing my husband of 35 years. I have since discovered that the house, mortgage and HELOC are all in arrears, I am once again stuck with the burden of responsibility when I was not ever given any choice in this matter. I called PNC Bank many times and went to more than one branch to try to learn what I could do to bring any and all payments current. So, now my home is being sold and all the penalties that have incurred and the balance owed will be removed from the equity of my home. As well as the HELOC loan, which was not used wisely to say the very least. I just find it very strange and unfair that I can't be given any information about the loans at hand and denied the right when I wanted to pay towards the balance ( s ). But, I will be incurring the responsibilities of the loans and all the penalties just the same. I had no voice so I guess a signature was good until I began asking the questions I am now asking. Just a women, right? I thought in this day and age that unfair treatment because of one 's sexuality and their place in the working world would not have the same stigma and classification it did so many years before. I am sad and ashamed to say that some things have not changed as much as we might believe they have.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
Sears wrote to me and said my credit card could be closed due to non-use. I used the card for small purchase of {$1.00} for website domain, {$9.00} for an event and {$14.00} for XXXX XXXX vitamins. These charges were authentic and have been paid for. However, recurring monthly charges of {$14.00} were showing up for web hosting that I did not order through XXXX. I disputed the charges online and Sears says they credited the account once for {$14.00}, agreeing to my dispute. I was transferred to place a block on the recurring charge. I spoke to XXXX. I asked for a new card with new # 's and exp. date, but was turned down on XXXX. I was to be emailed a new status of my account with the credits applied and recurring charges to be blocked. My account would then actually have a credit. However, I am now receiving around 25 phone calls since XXXX that I need to call them back. I have actually received more calls than this, but this is just since I wrote the " cease and desist '' order. This was after I faxed a notice on XXXX to them to stop harassing me and not to call the house. I received confirmation that fax went through. I then followed up with a letter to Citibank to block the account and shut it down. Instead of replying to that letter directly, Citibank sends me a letter on XXXX asking if I'm having financial difficulty and threatens to ruin my credit with an amount due of {$36.00}. On XXXX it is now over {$75.00} sent by email. On XXXX I get a notice from credit karma that my credit rating has changed - it has dropped 180 points because Sears has reported the disputed charges as late payments. Now I am having a problem logging into the Sears card account to check the account status. I can see why the Sears company is in danger of going out of business forever!

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 2019-01-27 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ALLY FINANCIAL INC.
State: WA

Complaint narrative:
I opened an account with Ally Bank a few years ago, and had only used the XXXX that they provided me with once. It turns out that my XXXX and only usage was with a company that never shipped me my goods. The transaction date was XX/XX/XXXX, and the date I reported this to Ally Bank was XX/XX/XXXX. XXXX 's website for chargeback indicates a 120 day period, but the letter I had received from the bank states, " Our research indicated that the transaction was authorized. The transaction is out of timeframe allowable by the XXXX to initiate a chargeback to the merchant to recover the funds. Please contact the merchant directly for further assistance. '' I have contacted the merchant quite a few times prior to performing the chargeback, and I have sent proof of this to Ally Bank. When I contacted their customer service department, all they could do is repeat what the letter says about the transaction being out of the timeframe allowable - but they could not tell me what that specific timeframe is. In fact, she told me to do a web search if I wanted to know. 

As Ally Bank does not care about their customers being scammed, I will no longer bank with them.

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 2019-01-27 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: CA

Complaint narrative:
XXXX XXXX is erroneously reporting on all 3 of my credit reports and this account is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-27 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: CA

Complaint narrative:
XXXX XXXX  is erroneously reporting on all 3 of my credit reports and this account is not mine.

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 2019-01-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
Hi, I filed this complaint because I don't want carrington mortgage services llc to change the loan contract. On XX/XX/XXXX I received a letter from Carrington mortgage services, L.L.C. ( Disclosure statement annual disclosure notice to mortgagor ) copy attached.On the letter says the amount reflected below is the outstanding on the loan for prepayment, also says that amount is subject to further accounting adjustments, and I don't know what they talking about further accounting adjustment, the loan contract is very clear, copy attached, and carrington can not, should not change what the loan contract says and can NOT breach the contract .XXXX  XXXX XXXX XXXX  , XXXX. signed on the year XX/XX/XXXX, then XXXX transfer the loan to carrington, .The letter also include the annual disclosure for FHA/MIP cancellation  notice to mortgagor.This is not the first time I file a complain against carrington , because or they try to breach the contract and change it to their own rules or try to increase the mortgage payments for not reason.If somebody ask me to recomend this company, I will say NO, this company doesn't even deserve one star. 
Also I'm enrolled in another program at XXXX County, that if I live 5 years in the house and no missing any payments, I got a credit, but this program doesn't have anything with carrington and I don't want them to mees with it. 
What I want CFPB to do? : Look and read the XXXX contract and carrington letter, and look if carrington is trying to change the loan contract or breach the contract.., also if carrington doesn't have copy of the XXXX bank contract, they can see it on the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
Called today XX/XX/2019 asking for a credit for the {$39.00} late fee to be credited. XXXX of Delaware Call Center said she could not credit me. 

I told her it is not my fault that I made the payment on the due date but due to the Federal Reserve system it took a day or 2 to post to my account. 

Please talk to XXXX XXXX about these fraudulent charges and how they hurt his market share by not treating customers properly.

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 2019-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. XXXX : XXXX ... I've recently disputed this debt multiple times from Midland Funding ... they are not the original creditor ... the account was closed and they bought the debt from the original creditor ... I need validation that I owe this debt ... My signature is not on any contract with them ... My rights have been violated under the Fair credit reporting act ... as well as UCC 1-308 ... every time I dispute this debt collector nothing get 's solved ... like the credit bureau 's and this agency is committing fraud against a name that isn't mines ... I have a Nationality ... XXXX XXXX ... I'm not the ALL CAPITAL LETTERS NAME on any paperwork ... I've stated this fact many times. Section 609 of the Fair Credit Reporting Act is suppose to protect me against agencies like this one. Why are my rights being violated and nothing is being done about it from the credit bureau 's or by second party agencies that I don't have a contract with?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: AES/PHEAA
State: CT

Complaint narrative:
Dear XXXX XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the Metro 2 format if there are any discrepancies with what is reported to the credit agencies XXXX XXXX, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This is my 3rd attempt to get the following inquiries removed. As they were NOT a FIRM OFFER OF CREDIT, EMPLOYMENT, FOR INSURANCE OR A COURT ORDER. THEREFORE UNDER THE LAW, these inquiries NEED to be deleted : XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX AGAIN, the above inquiries NEED TO BE DELETED because they are NOT A FIRM OFFER OF CREDIT, COURT ORDER, INSURANCE OR FOR EMPLOYMENT

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 2019-01-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT

Complaint narrative:
Dear XXXX  XXXX XXXX : Upon checking my credit report on XX/XX/2019. One of my student loans is missing a payment. It was alerted to me this account is either not registered properly by the agencies. In addition I would appreciate XXXX XXXX to update the XXXX XXXX format if there are any discrepancies with what is reported to the credit agencies Trans Union, XXXX  and XXXX. Please investigate how these accounts are reporting whether closed or open and verify if the credit format is properly registered and reported to the credit agencies because the historical timeline is missing on 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 2019-01-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Recently me and my mother consolidated our loans and there was an agreement. Then I received a letter of litigation saying that they will move to wage garnishment if i dont make a payment. Although my loans are in forebearance for the next 6 months after talking to my mother and taking payments from my mothers account who isnt my original co-signer. Then Im already tied up financially with my federal loans with a wage garnishment already on my paychecks and this has been expressed to Navient and I am still getting hounded and have no idea what to do because after my bills I do not have enough to pay the monthly loan amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I had an XXXX XXXX card wasnt working for a couple of months hired a company to pay my credit cards off to negotiate lower interest but they stop paying my card for about 4 or 6 months and that really affected me I had to clue the would do that. 
I would like the late fees removed from my credit since I was paying the other company on time. 

I also had synchrony bank card limit of XXXX or care credit same card the company I was paying to pay them off in lower interest didnt need pay them got 4 or 6 months and would like those late payments removed.

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 2019-01-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
XXXX XXXX has committed fraud on my XXXX XXXX account that I paid in full, {$320.00} before the due date XX/XX/XXXX ( see account statements attached ). 

XXXX XXXX staff did not process my payment until XX/XX/XXXX forcing a late fee and interest charges. 

XXXX XXXX continues to assess late fees and interest charges on my account even today! 

My XXXX XXXX billing statements arrive on our about the XX/XX/XXXX of the month, and my payments are mailed by the XX/XX/XXXX of the month. No way are my payments late unless XXXX XXXX decides no to process the payment and therefore committing fraud by assessing late fees and interest to customer accounts! 

XXXX XXXX has wonderful merchandise but the credit card company, XXXX XXXX, continues to commit fraud against customers, me! My credit scores are being affected by the fraud committed by XXXX XXXX! I want XXXX to reverse the late fee ( s ), interest charges, then, send to me a statement with a XXXX balance on it by XX/XX/XXXX. 

XXXX XXXX is relentless! Please stop them! 

Here is a contact person for XXXX XXXX ( i.e., Attn : XXXX XXXX ) at XXXX. XXXX XXXX, XXXX, Ohio XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have a capital one student credit card and it was lost then used and the person ran my bill up and maxed it. I tried telling them ( capital one ) this and they just said I needed to pay it back. I shouldnt have to pay it back if I didnt use it and theft occurred and now I cant get any more credit cards and my credit score is a mess. This happened around the summer of XX/XX/2017. The cards maximum was {$300.00}.

Company response to consumer: Closed with non-monetary relief