vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Company closed your account
Company: BBVA FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Compass bank XXXX  XXXX XXXX, r h XXXX XXXX. employee XXXX assaulted me physically and mentally and said threatening things to me and invited me to step outside but locked the door and held the door locked while giving me the middle finger in front of him while making threatening gestures, this is very unprofessional, and criminal behavior and needs to be punished because of the way he did me! I am very angry that the compass bank would not be accountable and hold XXXX responsible for this criminal act, I will not be pushed aside and have to escalate this to issue again and request a penalty for the behavior of XXXX, I am also still seeking the interest that the Bank owes me due to XXXX XXXX error in not informing me of the interest change and causing me to lose my earned interest, she promised to let me know if the rate changed so I could make a adjustment in my account. She is responsible for this loss, and the compass Bank has to be accountable, sincerely, XXXX XXXX XXXX, Arizona

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Early XX/XX/2018, PNC bank advertised on the its own website ( pnc.com ) that if a consumer opens a " PNC Performance Select Checking '', and performs the listed actions ( {$5000.00} direct deposit and ten plus debit transactions ), the consumer will receive {$300.00} account opening bonus ; I have uploaded all related promotion images with this complaint ; I opened the " PNC Performance Select checking account on PNC.com on XX/XX/2018, I made required $ XXXX direct deposit on XX/XX/2018, I did ten debit transactions by XX/XX/2018 ; But I do not see {$300.00} account opening bonus to this day ; I called PNC bank early XX/XX/2018, the representative told me that when I opened the account on PNC.com, the promotion code for the {$300.00} bonus was somehow not included in my account, that is why I did not receive the bonus, and she could not do anything to correct the issue ; This is apparently a technical issue/error on the PNC bank for not including promotion code in my account, I as a consumer should not bear the consequence of a technical error of PNC bank ;

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
We have tried to work on getting our FHA backed mortgage loan on track with Wells Fargo for the last six years and we can not figure out why they ignore us and refuse to help. We fell behind due to Hurricane Sandy and some financial issues. I gave Wells Fargo {$110000.00} to get caught up on my mortgage, but after they took my money, they advised that I owed them another {$41000.00} for escrow shortages and refused to bring our loan current. Also, since that time our loan has never been formally reviewed for mortgage options, even though I have complied with every request they made for documents, information and forms. 

There is also the issue of loan fraud that occurred when we refinanced our mortgage. Although we did not take out a penny from our equity, our mortgage loan balance increased over {$120000.00}!! We could never get them to explain why our loan increased and they basically stole the money from us. 

We can afford a reasonable mortgage payment, but Wells Fargo has just kicked the can down the road and now we have a sale date scheduled for XX/XX/2018. We have had a rotating series of single points of contact, but they never stick around long enough to finish the process and we have had to start over constantly. We feel that Wells Fargo is just a foreclosure machine and will take our home away and collect the money from the government since it is a secured loan. We make plenty of money to resume our mortgage payments and want to spend the rest of our lives in our home. Wells Fargo is a horrible and greedy company that has completely squashed us and our spirit. 

It should not take six years to get a formal review of mortgage for assistance options. Now Wells Fargo is basically telling us that there are no retention options available to keep us in our home. We need help to get them to do what is ethically the right thing to do instead of making us homeless.

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 2018-10-23 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Synovus Bank
State: MS

Complaint narrative:
I have sent my complaint to you once and XXXX XXXX did not respond. I got a prepaid card from them, I sent my XXXX dollars in XXXX and the did not send the card to the last of XXXX after I called them several times so when I got the card I just spent my money. I called after I say it reporting on my credit report in XXXX and asked what I need to do to settle this. I was told to send them XXXX. Total with all the other fees I sent those people over XXXX and I only spent the XXXX initially that I set up for credit limits. I have asked them to send me documentation proving that I spent XXXX dollars over the limit with no response. I have submitted this complaint to you all once and have not gotten a response from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 DAYS LATE I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or might of being issue with the bank doing a transfer from savings to checking account. But i'm shocked and I can't believe how this is possible.

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 2018-10-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Two items that on my Experian report is in collection when I have two documentation that one item XXXX XXXX was settled but still show negative on my report which should be in positive status, and paid for deletion removal letter from XXXX which also still show negative in collection. XXXX and XXXX remove both of these items, so I do not know why Experian will not update this information as all three credit bureau should be working hand in hand.

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 2018-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: JTM Capital Management, LLC
State: AL

Complaint narrative:
XXXX has sold my loan to JTM Capital. I'm in the process of selling my home. Once my home is sold. I will pay this off. But what I only have borrowed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.

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 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Hi and Good Evening ... .I 'm writing you guys again, because i been going back and forth with Portfolio Recovery Associates in regards to alleged debt that they bought from XXXX XXXX. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up. 

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: NCB Management Services Inc.
State: AL

Complaint narrative:
NCB magement bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify ncb that I will pay this off once my house sells.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 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 — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
My husband noticed a fraudent charge on my credit card bill while I was overseas. The amount was {$1200.00}.

After contacting the credit card they refused to dispute the fraudent transaction and will not credit me back.

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 2018-10-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
Hi and Good Evening....I'm writing you guys again, because i been going back and forth with XXXX XXXX XXXX in regards to alleged debt that they bought from Capital One. We had a scheduled court date this month and they were no call and no show. I was unable to challenge the validity of this debt and there was a motion entered to withdraw this debt. I've challenged for the company several times to show me the entire proof of this debt and went to the court as it was scheduled but they never showed up.

I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand a total deletion of this account from my credit report. Their absent on the scheduled court date cost my family money because I had to take the whole day off from work. Please remove this account from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Risecredit, LLC
State: AL

Complaint narrative:
XXXX XXXX bought my installment loan from risecredit. I am the process of selling my home. When my home sells. I will pay off the amount that I borrowed not any interest or late payments. I just would like to notify XXXX that I will pay this off once my house sells.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: DISCOVER BANK
State: MA

Complaint narrative:
I had an outstanding loan of around {$17000.00} from discover at 9.25 % interest rate. To reduce the rate I decided to go to XXXX who offered me an interest rate of 4.9 %. From XXXX, I requested for a greater amount than required because I was assured that the extra amount would be reimbursed directly by discover to XXXX and the interest adjusted accordingly. So XXXX  disbursed my loan ( around {$19000.00} ). My balance amount in discover was then - {$2200.00} ( Minus XXXX  USD ). 

At this point discover was supposed to mail XXXX a check of {$2200.00} so that the amount would be adjusted in my loan amount. However discover has never mailed this check to XX/XX/XXXX! They showed an updated balance of {$0.00} on XX/XX/2019. Neither I nor XXXX has received this check. I called them and they insisted they had mailed a check. But could not produce any proof. They claim the process to check for any error takes 7-10 days. They have not since gotten back to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: TX

Complaint narrative:
I deposited {$10000.00} into my HSBC Advance Checking account on XX/XX/2018 and its been 5 months and 3 weeks, however they have yet to give me my {$350.00} new account bonus.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: IL

Complaint narrative:
Faithfully paid every bill from XXXX for years. When I attempted to cancel service I was given the runaround. It took several calls over a period of at least a week and even then they extended service longer. They sent me a final bill that was not owed. 

I did not live in the home for the month inaccurately billed. 

My service should have been turned off when I asked and I should never have been billed an additional month. That's why they never got paid. This bill is petty, under {$50.00}. I would have paid it if it were valid. It is not and that's why they never got paid. Many other people have had this same problem with XXXX. I am requesting this invalid debt be deleted and removed from my credit reports immediately. Thank you and have a wonderful day.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
Recievables performance management sent me a bill for {$770.00}. I asked them to validate that this & they did not but instead put it on my credit report at all credit bureaus. I again sent them a certified letter on XX/XX/18 which they signed they received on XX/XX/18 @ XXXX asking them to validate the debt by certain steps & AGAIN they ignored & sent a bill today XX/XX/18. They have also refused to notify the credit bureaus to remove this while it is under investigation. I want them to cease & desist immediately. XXXX XXXX XXXX had previously tried to collect this debt & they could not Validate it so they removed it. Recievables performance management has bought this & I have no contract with them either. This debt is NOT valid. I have attached copies of the proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I viewed my credit report and there are many unknown names, numbers, addresses and inquiries associated with my social security number.

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 2018-10-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION

Complaint narrative:
I have credit issues and have made pmts on it and there useing third partys to keep the money I already payed by not receiving it back yet .at some point I signed these statements and didnt know this was the way it was .including XXXX XXXX , XXXX XXXX  XXXX  XXXX college XXXX and capital one credit card services 10 yrs now ongoing and there are a bunch of new things dont know who or what they are .Flagler police dot .and XXXX county fines and court cost driver lisence bureau .XXXX  XXXX  and driver lisence in XXXX  over 10 years XXXX XXXX XXXX county XXXX XXXX XXXX old charges .XXXX count police dot old fines and tickets and pictures on XXXX where I was robbed my Mugg shots on there and refuse to remove them .took them down and put them right back XXXX XXXX XXXX county stolen atm card they used and have charges for .XXXX ATM XXXX XXXX for XXXX hospital and XXXX  hospital XXXX XXXX XXXX XXXX XXXX division emergency services when I had insurance XXXX  court house XXXX XXXX charges for money and no services from any of them even when I got the charges .XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-23 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NV

Complaint narrative:
I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX  XXXX XXXX & Corrington Mortgage have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from XXXX  XXXX XXXX under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Today is XX/XX/XXXX, and I just received notice that on XX/XX/XXXX ( less than 15 days away as is the required minimum notification period ), my home mortgage was being transferred to XXXX and all future payments would go to them. There is no instructions on what happens to any advanced payments I made ( I paid my mortgage through XX/XX/XXXX ), and the reviews for customer reports online for XXXX are horrible - it definitely does not make me feel like my home mortgage is in responsible hands. I am concerned and wish I had received more notice so I could refinance or transfer my loan to another entity. Please advise as to how to remedy this.

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 2018-10-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have many incorrect inquiries on my credit report that I have never been affiliated with. Even some of the names and addresses on my report are wrong. I do not understand how these things are being tied to my name but i have nothing to do with this. 

Bankruptcy : Dismissed CH-XXXX on eq XXXX Bk Chapter XXXX XX/XX/XXXX XXXX Bankruptcy chapter XXXX-dismissed XXXX XXXX XXXX XXXX  XX/XX/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 2018-10-23 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NV

Complaint narrative:
I file Chapter XXXX U.S Bankruptcy Court District of Nevada ( XXXX XXXX ) # XXXX Debtor Discharged XX/XX/2016 My Wife XXXX XXXX XXXX and I XXXX XXXX XXXX have NO INTEREST on a house located at XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Bank of America & XXXX XXXX have fraudulent documents from XXXX XXXX ( XXXX ) claiming to be my Wife. there is several notary documents from NOTARY XXXX XXXX Commission # XXXX stating she has been getting loans from Bank Of America under my name without my consent with a blank space ( Must be Signed Exactly As Printed ( Not Present ) I had never married XXXX XXXX She is NOT MY WIFE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX / 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 non-monetary relief