vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
applied for wise credit card that comes with a {$200.00} bonus. I submitted my application in XX/XX/XXXX and received a denial letter dated XX/XX/XXXX. I immediately contacted the XXXX XXXX credit reporting company., who then sent me an outdated credit report. I then called them to state the errors on the report so they sent me a new & improved report showing no outstanding debt and any liens now outstanding, which is NONE. I then called/wrote wells fargo who said once a application is denied, it no longer is considered. My credit is excellent, there is absolutely no reason to deny me an account ... .except for discriminatory business practices

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 2017-08-04 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
On X/XX/2017, I called in an order with XXXX for several items totalling XXXX . I did not receive the items. Instead, I received a bill. When I tried calling, I was referred to Comenity Bank by the automated phone system. I called Comenity Bank and got only an automated system that finally hung up on me and never addressed my problem. I was not aware of the association of XXXX with Comenity Bank prior to my order. Had I known, I would not have ordered anything. I had prior experience with XXXX XXXX who is also associated with Comenity Bank. This issue was resolved by the Better Business Bureau. I am concerned about the fraudulent way these companies do business, and I do n't want others to be held hostage to their practices. Please investigate and act against this unfair cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: CA

Complaint narrative:
One year ago I had a lease with XXXX and I transferred to XXXX they told me that they where going to buy off my contract and I 'm still getting charged and this is making my credit really bad!! I 've already talked to XXXX and they have me a paper to send to XXXX I did and they are still charging me ... the thing is that XXXX took that XXXX phone from me cuz they where going to buy off my credit! They did n't give me any money for it or anything! I need this problem fixed.. they 're saying I have to pay {$520.00}. I dont understand why they are still charging me! They need to call XXXX and talk to them because they are the ones that need to pay them not me!! ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX we closed on a mortgage with XXXX XXXX, XXXX of the lenders suggested by XXXX. The negotiations specifically excluded provision for insurance on the contents, as we did not need or want such insurance. We have been paying our monthly payment of {$540.00} since XX/XX/XXXX. Wells Fargo sent us a letter dated XX/XX/XXXX advising us that they have purchased our mortgage and will commence serving it on XX/XX/XXXX. The letter stated : " Rest assured, this transfer does not affect any terms or conditions of your mortgage. '' A letter dated XX/XX/XXXX from Wells Fargo stated that our hazard insurance had expired on XX/XX/XXXX and " We plan to buy insurance for your property '' There was no such policy, and I have been calling them numerous times to find out how they could legally change any of the terms of our mortgage. My calls have not provided any satisfactory response. We have now received an invoice to a payment of {$560.00} into our escrow account and that our monthly payment will increase from the {$540.00} we have paid for nine months to {$600.00} starting on XX/XX/XXXX. We are XXXX & XXXX years old and XXXX XXXX is our only income.

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 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Opened a new account ( Checking/Savings ) consumer with Bank of America based on a promotion that stated we were eligible for a {$300.00} Promotion when using ACH. Other terms applied. We called a BOA center. The account was opened " online '' via the call. We then proceeded to a branch to validate our identity ( we, being Husband/Wife ). I have now called on numerous occasions and have visited the branch twice. We have not received the promotion. We have been told it is due to a missing targeted code on the account. However, when we opened the account this was not discussed and we were assured we would be receiving the bonus offer. The offer is available on their website here : XXXX XXXX XXXXXXXX We have also noticed that there is now another offer here : 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 monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Key 2 Recovery, Inc.
State: TX

Complaint narrative:
I had been in contact with the company regarding an outstanding debt. The account manager took it upon himself afterwards to call my relative out of state to discuss the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Was recently notified by XXXX card that my FICO score had dropped XXXX points. I checked my credit reports and XXXX shows a tax lien filed in XXXX County New Mexico on XX/XX/2017. There is a new federal law that requires credit reporting agencies to remove liens if they do not contain full name SSN and date of birth. This lien does not. I have been through this with XXXX and they removed it from my report. The County Clerk has also removed it from the records, as it was not timely filed, and I was not a New Mexico resident for tax purposes. The tax lien record number is/was XXXX. XXXX  has recently placed this in my credit report, I believe illegally according to federal law. I do n't understand how this could happen. They should be aware of the law and abide by it. I will send copies of all pertinent information to the CPFB along with a copy of my complaint, as I am unable to attach it to this document.

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 2017-08-04 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Fraudulent loan
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I never applied for the said student loan nor i had ever intended or will ever intend to apply for student loan with XXXX XXXX XXXX. I had informed the company and the company requested affidavit confirming this and I, a victim of ID theft, has executed the attached affidavit to that end.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
our mortgage was paid on time in full each month, but we got a letter from the homeowners insurance company saying we had lapsed coverage for over a year as a result of Wells Fargo taking our money and not putting it into escrow. Had an accident happened during those 12 months, we would have been liable for damages which we had already paid insurance for. Wells-Fargo is a dangerous place to keep your mortgage

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 2017-08-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
Hi : on XX/XX/XXXX I found what I understand to be a clear mistake on my credit report and called Equifax credit reporting agency that day. I explained that a repossesion was showing up on the credit report, and that the repossesion should not be showing up on the credit report, due to being included in a bankruptcy, describing further that it had not shown up on a XXXX report. ( Bankruptcy dischargedXXXX. I did not pull reports XX/XX/XXXX-XX/XX/XXXX ). I went on to state that as a matter of the bankruptcy, said repossesion was not to be listed on credit reports ; and as evidenced, it had not shown up on the XXXX report. At first the response from the CSR was a type of circular and dismissive explaination, which led nowhere. when I questioned what they were saying, they finally stated directly that I was lying. A similar conversation ensued with XXXX, as there appeares to be the same clear mistake on their report as well. Both of these calls were assumingly routed overseas with horrifically bad connections, making discussing the issue that much more frustrating. The CSR 's came across as articulate, smart, and skilled in decsribing the position of their respective companies, without addressing the issue at hand. It seemed that no attempts were made to question me and act in a problem solving and informative manner. I have to say that XXXX is the most professional to speak with of the XXXX, but I am uncertain of their documentation. Please note the following : Reposseison of vehicle XX/XX/XXXX. Filed bankruptcy XX/XX/XXXX. Repossesion was included in the banckruptcy. It was the only reason for the banckruptcy. Bacnkruptcy was discharged in XX/XX/XXXX without any problems or issues. I have all banckruptcy documents at home. I am typing this complaint away from home and can not upload or scan at this time. Thank you for taking the time to review this and to advise me of what I can expect, or what I need and can do. XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Academy Mortgage Corporation
State: GA

Complaint narrative:
In the process of refinancing our home mortgage loan, we were advised that a conventional loan would have been better suited to our needs. Upon further review of our closing disclosure, we learned of anapproximate {$1200.00} HOA set up and transfer fee, over 16,000 in closing costs and over 19,000cash to close ( including the closing costs ). In addition, the FHA loan calls for {$4700.00} to be paid in  advance for mortgage insurance premium. We were advised by another lender that to refinanceat this time would be counter productive because of the loan to value. As a result, our only option would be to sit in our current loan for 1 to 2 years, make upgrades and have the home appraised before  consideration would be given to refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I would like the CFPB to review my account for improper management of my payments. 
NationStar is presently holding Escrow Funds that it does not distribute to the County Tax Collector. 
I 'm referring to Property Taxes. I pay the property taxes separate from the Note, but yet they are  holding over {$7400.00} of my money. The XX/XX/XXXX Statement of XX/XX/XXXX shows they paid a Disbursement in the amount of {$7400.00} dated XX/XX/XXXX. I have no received that money, nor has the County Tax Collector. I have proof the County Taxes have been paid XX/XX/XXXX. They also change the amount of payment due on their account webpage from what is printed on the statement, not to mention withhold funds from being applied to the account. Please take notice of XX/XX/XXXX NationStar Statement, how they withheld one payment, pay it one month late and change the amount due vs.  Monthly Payment. Their receive dates which differ on some statements form my bank statement. Since payments are sent electronically, my bank confirms date of transfer. 
Also check the difference in Interest Payment due on the XX/XX/XXXX NationStar Statement, the  amount is different that what they post on their webpage. How can they change the payment due If the interest has not reset? I want a full refund of my Escrow Funds as I have already verified with the the XXXX XXXX County Tax Collector that NationStar has not sent them payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I 've contacted XXXX and XXXX and transuion on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I 've contacted equifax and XXXX and XXXX on the status on my student loans my student loans are were discharged the XXXX XXXX XXXX XXXX. the companies deleted my student loans completely. the are supposed to show payed and closed and a XXXX balance on my credit reports I would like for the them to reflect this matter! XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX both of these accounts had payment history on them which is effecting my score to be able to obtain a housing loan. I would like for it to be fixed and resolved I called the company and they were not very helpful in this matter at all. I was told that it could not be corrected or added back to my credit reports. I do have some positive credit history on those accounts

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Santander Consumer USA Holdings Inc.
State: FL

Complaint narrative:
my husband and I have been Financed with Santander consumer USA since XX/XX/XXXX at the time our credit was n't the best but the dealership told us we could refi in a year with Santander when things got better, we are in XX/XX/XXXX and my payoff is still close to the day I bought this car, there interest rate is ridiculous over 20 % and I just found today because our credit reports showed an increase to our loan, which should be decreased as we make our payments that even thou our loan is due the XXXX of every month because they receive it from our bank on the XXXX they charge us fee 's because they do there reporting to the credit bureaus at the end of each month so now I have XXXX in fees because the transfer from my bank to theirs is a few days between, which I never knew about until i saw this on our credit report, so i called so with our credit much better I wanted to pay this and they were going to charge me to pay on the phone too, so I said no Ill have my bank send it, we tried trading in the vehicle but its now worth XXXX its a XXXX XXXX XXXX great shape XXXX XX/XX/XXXXmiles I would be upside down still by XXXX still Ill be paying this car until Im XXXX and Im only XXXX how can they get away with robbing us there is no other options but scamming us, and robbing us blind PLEASE CAN SOMEONE HELP US after all this happening to us I went online to see if anyone else has this issue and I ca n't believe we are not the only ones Massachusetts and Delaware just won a huge settlement against them there are people here in Florida posting online begging for help and do n't know who to go to, please help us consumers. back in XX/XX/XXXX we had to make deferred choices and they took those payments and gave us 5 late 's on our credit reports and charged us to do all this on top of high int, late fee 's etc they nickel and dime you every cent There accounting is not correct at all, and almost 9 months of these deferred payments is when they placed them on our CB, not even when they actually happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
I would like to be provided validation or contract from this company for the {$4100.00} debt that they are saying I owe them! I do not have a contract with this company also this company does not have an active license to collect debt in FL state. This debt has been placed on my credit report for the past five years and I have disputed it a numerous amount of times and have requested validation of debt from the credit bureaus to support the debt collectors defense and have never received it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
To whom it may concern : I have recently pulled my TRANSUNION and XXXX credit report and noticed accounts that have been investigated by another credit bureau are still being reported by XXXX AND TRANSUNION. Attached to this letter is proof that these accounts were deleted due to inaccuracies. Please follow suit and delete these accounts for accurate reporting. XXXX has removed all accounts associated with : XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX PURSUANT TO THE FAIR CREDIT REPORTING ACT, I EXPECT YOU TO REMOVE THESE ITEMS FROM MY REPORT WITHIN 30 DAYS. Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for the updated report.

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 2017-08-04 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: BTH Management
State: TN

Complaint narrative:
Plaza Services - Failure to provide proof of alleged debt. I was not properly notified of an alleged debt that Plaza Service was reporting as an " open unpaid {$280.00} collection '' on my credit report. On XX/XX/XXXX is when I received a copy of my credit report and noticed this alleged debt. When I did see the {$280.00} reported by Plaza Services on my credit report I immediately took action. I sent a letter via mail contacting Plaza Services on XXXX XXXX 2017 asking them to verify the alleged debt. In the letter I also stated if the debt was legit and I truly owed {$280.00}, I would pay Plaza Services in full for a complete deletion from all three credit reporting agencies. I have yet to receive any written proof of this debt as of X/XX/17. I have given Plaza services more than enough time to respond, and provide me with proof of the alleged debt.

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
Requested reports by clicking on annualcreditreport.com on Washington State Attorney General 's credit site. Requested report on annualcreditreport.com. Requested Equifax report. Made possible error. Did not select XXXX XXXX XXXX as my bank because as far as I know my bank is XXXX XXXX XXXX without the " XXXX ''. Then informed I could not get my report online and I had request a hard copy to be mailed to me. Called XXXX to get a copy. Only options are automated. Ca n't get operator by pressing " 0 ''. At the end of slogging through the data entry and/or voice entry ( half of which apparently could not be understood ), I pressed the wrong number when asked if I was the blind. When asked if I needed a report for the blind I pressed the key for " No ''. No confirmation from them so I am not sure what I will get from them. Next I went back to the annualcreditreport.com website and went to the " Contact Us '' page. No option for a phone call to a human so I requested the " Comment Form ''. Filled out the form saying I was not blind and want the report for people who can see. When the comment was submitted I got a reply saying " thank you for your comment '' so who knows if any action will be taken. I know I am not the only lousy typist out there. Others could easily be caught up in the unhelpful loop. It seems to me that this whole process was set up in a very unhelpful way. It is almost as if they set it up for requests to fail easily. I have seen much better process flows and options for error correction. Thank you. P.S. This was all online or by telephone so I have no documents.

Company response to consumer: Closed with explanation