vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
The following transactions occurred : XXXX/XXXX/XXXX - {$290.00} XXXX/XXXX/XXXX - {$300.00} XXXX/XXXX/XXXX - {$300.00} These transactions were authorized to XXXX XXXX XXXX XXXX XXXX ), also dba XXXX XXXX XXXX XXXX to assist in reducing my Student Loans. I had been communicating with them on a regular basis until XXXX, XXXX. 
In XXXX XXXX, I stopped receiving communication from the merchant, but continued to try and reach them. As of this time they had not provided any of the services they had promised. I continued trying to reach them on a weekly basis with no success. 
On XXXX XXXX, XXXX, when I called the XXXX XXXX phone number, I received a phone recording stating that the XXXX XXXX had shut down the business due to fraudulent transactions and gave me a website to refer to. 

At that time I went in to my banking institution ; Wells Fargo Bank, and told them of the situation. The personal banker said that I would be able to receive that money back if I filed a dispute. He then dialed the number for me to do so. I spoke with a Representative from the XXXX XXXX XXXX XXXX, and she also told me that I would definitely be able to have that money reversed. However, it would take about 10 days. I filed the dispute and was expecting a full reversal of the charges based on what the personal banker AND the representative from the XXXX XXXX XXXX XXXX. told me. 
I heard nothing from Wells Fargo until receiving a letter from the Claims Assistance Center on XXXX/XXXX/XXXX stating that my claim had been denied and closed because the timeframe for requesting a refund with the merchant had expired. No one had ever told me of an expiration time. Both the personal banker and the representative from the XXXX XXXX XXXX XXXX. had told me I would not have a problem having that money put back into my account, and never once said anything about an expiration timeline. 

I have since called the Claims Assistance Center and talked to numerous people, ( who have all been extremely rude and very short with me ) about this and have been told there is no appeal process and they would not allow me to talk to anyone else regarding the matter. I was told by one representative that the claim was never even investigated because the time had expired to even file a claim. 
I feel that the time being expired is misrepresentation and deception on the part of Wells Fargo, and, if that is indeed their practice, why did the Personal Banker and the Representative from the Debit Card Claims Dept. who both knew the circumstances of the claim, not know that and tell me.

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 2017-11-14 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: AZ

Complaint narrative:
Requested on several occasions they remove incorrect information on my report. These are the dates and corresponding report numbers. 
Report # XXXX, dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ;  report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX dated XX/XX/XXXX ; report # XXXX. I 've attached the USPS certified mail stamps.

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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have been working with XXXX XXXX for a loan modification. On Friday XX/XX/XXXX, they advised the all documents were received and the foreclosure sale date was on hold. Today, i received a call from Mr. Cooper to advise that I have a foreclosure sale date scheduled for tomorrow XX/XX/XXXX and they are requesting the exact information that was sent in XX/XX/XXXX and that was confirmed received by them. XXXX with Mr. Cooper,  was able to confirm that she has in fact received the documents. She advised that she was going to have the file escalated to let them know they have received the documents and request that the sale date be postponed, but there was no guarantee that the sale date would be stopped. At this point, i just need your assistance as i do not want to lose my home. I am elderly have no where else to go. please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: MO

Complaint narrative:
On XXXX XXXX i received a flyer to my address from XXXX with the advertisement of XXXX $ bonus offer for opening a checking account after completing XXXX $ recurring direct deposits with in 60 days of the account opening. 
The flyer did not mention what qualifies as direct deposit anywhere, and US bank has failed to send me the proof that they did communicate to me the specifics of what qualifies as direct deposits when i called them about the bonus at the time of account opening. 

I opened my Us bank checking account around XXXX/XXXX/XXXX and I completed XXXX $ recurring direct deposits requirements on the following dates. On XXXX/XXXX/XXXX for the amount of XXXX XXXX and on XXXX/XXXX/XXXX for the amount of XXXX $ and on XXXX/XXXX/XXXX for the amount of XXXX $ and I emailed Us bank asking about about the bonus. 
Someone named XXXX from us bank customer service confirmed that the bonus code was attached to my account and asked me send a copy of the flyer, which i scanned and uploaded. After few days i again emailed her asking for the update, this time she said that she received the copy of the flyer targetted to my address but my account needs to be reviewed by a senior banker for the bonus. 

A week after my initial email they got back to me saying they can not give me bonus because i have not made 'qualifying direct deposits '. 

I did what XXXX advertised nothing less. If they did not specify on the flyer what qualifies for them as direct deposit then its indeed false advertising and fraud. 

I bank with XXXX XXXX XXXX XXXX and XXXX XXXX XXXX they consider my direct deposits as qualifying therefore i was confident my direct deposits qualify here as well but Us bank not only 'omitted ' specifying what qualifies as direct deposit on their flyer, they also are refusing to furnish proof that they communicated this to me at the time of account opening. 
I feel therefore i am eligible for the bonus that was advertised on the flyer that was targetted to my address and I humbly request CFPB to act on my behalf in helping me obtain the Bonus from US BANK for completing the requirements as specified on the flyer that i i received from US BANK. I have attached with this complaint the following pdf documents.
1. Copy of the flyer front and back with the terms and details.
2. My us bank direct deposits transaction history showing my 3 direct deposits above XXXX {$3.00} my correspondence with XXXX from us  bank customer service department. 

Please do the needful Thank you 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 2017-11-14 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
My Bank of America credit card information was stolen and I do n't know when. But my card was charged overseas in the amount of {$60000.00} plus starting in XXXX, 2016. I have been talking with BOA since then and at first they credited my account but then they said I have to pay these charges. I have never been to these countries in my life so I am not sure how this information was stolen. I have all my corespondence with BOA and was wondering if you can guide me in some direction.

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 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
A payment was scheduled on XX/XX/XXXX with XXXX at BMW Financial Services, at  that time she did not state there is a notice of default going out, the rep I spoke with yesterday on XX/XX/XXXX, XXXX, stated a notice was sent out but I have not received it. He stated it was sent around or after I scheduled payment with XXXX, XXXX further stated full past due amount is due on XX/XX/XXXX to avoid repossession according to notice. A payment in the amount of XXXX is scheduled for XX/XX/XXXX, this is the payment scheduled on XX/XX/XXXX with XXXX. I scheduled an additional payment with XXXX on XX/XX/XXXX in the amount of XXXX for a future date of XX/XX/XXXX. However, the notice which I have not received states full past due amount is due by XX/XX/XXXX to avoid repossession as stated by XXXX. The earliest date I can cover past due amount is XX/XX/XXXX, I wish to avoid repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
on XX/XX/2017 at XXXX I was contacted by an associate of " Portfolio Recovery ''. She asked if she was speaking to " XXXX XXXX '' and I corrected her to " XXXX. After this the associate advised of my debt and other personal account information without verifying I am who I say I am. There was no verification at all, no DOB, last 4 of ss or anything. Other people answer my phone and it is unlawful to speak about my account without verifying my identity prior. After the fact the associate read me the call recording disclosure, and if I was aware calls were to be recorded prior to the discussion of any account details I would have advised them to communicate with me via mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I co-signed for my son 's Honda with Honda Financial services. His XX/XX/XXXX payment bounced. We were not notified until the account was past due. I  immediately made the payment when I called Honda Financial services. My credit was compromised by 70 points. 

It was irresponsible that I did not receive notifications of the bounced check. Honda would not take recourse for their actions. Honda does not notify the co-signer of bounced checks or payments that are going to be late yet they have no qualms in destroying the co-signers credit for one late payment since XX/XX/XXXX.
I want the late payment taken off my credit report or I will go to the news.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 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: SC

Complaint narrative:
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXX XXXX XXXX XXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

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 2017-11-14 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: SC

Complaint narrative:
Beginning in XX/XX/XXXX I 've been disputing inaccurate information reporting from all3 credit bureaus regarding an account with XXXX XXXX XXXX XXXXXXXX. All 3 are  reporting a balance owed over XXXX. I disputed the information as being inaccurately reporting. I did this in XX/XX/XXXX and XX/XX/XXXX. All three bureaus reported the information was verified and reporting accurately. I then requested the account be validated by XXXX XXXX XXXX XXXX. XXXXXXXX XXXX XXXX XXXXXXXX validated the accounts on XX/XX/XXXX and XX/XX/XXXX. XXXXXXXX XXXX XXXX XXXXXXXX provided me with a Explanation of Calculationof Surplus or Deficiency. After the sale of the vehicle it states the amount owed is XXXX. It also states in the correspondence that this information was supplied to all three credit bureas. I would like to have this account deleted from all 3 credit bureaus because they have willfully failed to report accurate and correct information. I requested several investigations and the amount is continued to be reporting in error. I have also provided the documentation I obtained when I requested validation after several failed investigations by the credit bureaus.

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 2017-11-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa XXXX XXXX : XXXX Email : XXXXXXXXXXXX XXXX XXXX, XXXX Consumer Financial Protection Bureau PO Box XXXX XXXX, IA XXXX. 


Dear XXXX : Since XXXX my CFPB file will show that XXXX and its subsidiaries which include but not limited to XXXX, XXXX and Shellpoint, just to name a few, have interrupted justice in my case by using corrupt practices to not only delayed and denied the data my lawyer are requesting to prove my case in one the finest justice system in the world, the XXXX XXXX XXXX XXXX 
Shellpoint Mortgage and its parent company do not relent to break Federal Laws/ statues and get away with it because of its privileged ( power and pervasive ). 
Attached, please find communications grounding the facts of the above claimed that is self-explanatory. 
I have a team of lawyers that have been anticipating, and are still waiting for me to present to them the needed documents/data that they have requested for review, audit and written analysis to be presented in the court of law but to no avail until now. 
What I want in the here and now as I prepare for the upcoming sheriff sales of my home by XXXXhellpoint Mortgage on XXXX XXXX, XXXX before my home can go on sale is : ( 1 ) The original copy of XXXX XXXX XXXX XXXX signature on the Mortgage note. ( To date, the Shellpoint Mortgage and subsidiaries has refused to provide me with same ). And ( 2 ) The RESPA QUALIFIED WRITTEN REQUEST ; COMPLAINT ; DISPUTE OF DEBT ; VALIDATION OF DEBT ; AND TILA REQUEST. 
These requested documents have been long awaited by my legal team listed below, namely : XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXXXXXXXXXX Web Site Address : XXXX XXXX, XXXX XXXX XXXX, is a multi-discipline law firm with specialty in Bankruptcy, Mortgage Audit, Predatory loaning among other related business legal matters. The service is paid for. 

Im still awaiting the requested documents from Shellpoint to be presented to the firms listed here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Suite XXXX XXXX, PA XXXX Email : XXXXXXXXXXXX A Consumer Law XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, PA XXXX My lead Forensic Document Analyst Thus far, Shellpoint Mortgage has been speaking with The Law Office of XXXX XXXX with my written consent. 

However, to date, Shellpoint has failed to provide any document/s undergirds XXXX XXXX XXXX XXXX XXXX signature, copy of her Social Security Card, any Picture Identity or a copy of a pulled credit report that justified XXXX XXXX inclusion on the mortgage note in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: AMERICAN HONDA FINANCE CORP
State: OH

Complaint narrative:
I was astounded to find out there was a 30 day mark on my credit report recently for this auto loan. My ex husband has this vehicle and the account is paid on time every month. My ex husband traded this vehicle in for another one and this loan was to be paid off in full. He made all the payments on time, I am not sure why this is reporting a 30 day. I am asking to have the 30 days mark removed from my credit report as a courtsey due to you can see my excellent payment history. I am trying to buy a house and when this popped up, it is seriously impacting my credit and the ability to buy a house.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-11-14 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: EQUIFAX, INC.
State: DE

Complaint narrative:
I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-14 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: DE

Complaint narrative:
I purchased a car in XXXX/2017 the car dealer sent my information to over a dozen financial institutions. each inquiry on that day was counted as a single inquiry and lowed my FICO score significantly. this was reported to each of the 3 credit reporting agencies. 
I reviewed my file and noticed the same thing happened a couple other times.

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 2017-11-14 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: GA

Complaint narrative:
On XXXX XXXX, 2017, I faxed over my police report and a list of everything that needed to be removed from my credit report for Transunion. I was told to do this by XXXX and that by the 5th business day it would be removed. Well, I checked my credit report and saw that only the inquiries were removed. Nothing else. I called in, stayed on hold for 45 minutes and finally got someone on the phone in the US Special Handling Department. She said no one mishandled the account but she could see where there were some discrepancies once she went back and looked at the original documentation that was sent it. She told me that it would be another 5-7 business days to review it and then they would mail out the results. That is unacceptable. They should have removed everything while I was on the phone based upon what she saw along with the documentation that I sent in. They are violating my rights as a consumer and I have the right to file suit if this is n't fixed asap. I will also be filing a complaint with the attorney generals office and the ftc because of this. 

The accounts that should have been removed in addition to the inquiries were XXXX, 2 bankruptcies, all accounts associated with XXXX XXXX, XXXX XXXX, XXXX XXXX, and 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 2017-11-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VT

Complaint narrative:
I have repeatedly requested a credit line increase from Capital One over the past two years. I 'm always provided some kind of non-sense reason as to why I 'm being denied an increase - I have n't utilized my credit, I have n't made large enough payments, etc .... I believe that Capital One is acting in a retaliatory manner by denying me a credit line increase because I 've filed several CFPB complaints about this issue. 

I am not able to take advantage of the balance transfer offers available on my account because I do not have enough available credit on my account. I simply want a credit line increase to {$12000.00}. I am employed full-time, I make a good salary, I own my home, I make all my payments on time.

Company response to consumer: Closed with explanation