vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I was contacted by a male who identified himself as XXXX from XXXX XXXX on XX/XX/2018. He asked to leave an urgent message about a financial issue ( read : debt ) for a person who was not known to me. I informed him that I was not a member of XXXX XXXX, nor was I the person he was trying to reach, and that I believed he was involved in a scam based on his willingness to leave a message about a debt with someone who did not know the person he was trying to reach. I asked him to stop contacting me. I have received several phone calls from other numbers, and from unlisted numbers, from the same person and requesting to speak to the same person. This is harassment, and I do not know the person they are trying to collect a debt from. The calls have occurred as late as XXXX XXXX. in my time zone.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I turned XXXX last year. My property taxes froze and I sent XXXX XXXX XXXX this information. They recalculated my mortgage and reduced my payments. However, the calculation was in error resulting in a $ 12,000+ escrow shortage and double mortgage payments in XXXX and XXXX of this year. I have made up the shortage as soon as I knew exactly what the full amount was. I expected my payments to go back to the recalculated amount for XXXX and XXXX since I immediately made up the shortage ( at unexpected expense to me ). However, BBVA is telling me I must still pay the double payments until year end because the recalculation was already done and they " will just start fresh in XXXX ''. this is NOT acceptable. This wasn't my mistake and I made it right. Now I need AT least XXXX back to the recalculated amount or the difference placed in back in my escrow account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CARD Corporation
State: IA

Complaint narrative:
I wentvto XXXX XXXX XXXX on XX/XX/18 I rented a car, also I took one back so I got my deposit of {$200.00} back then the branch manager put in the wrong price so he refunded {$160.00} also that day. So card.com sent me an email on saturday XX/XX/18 which they are close on weekends. They had block my card. For my protection. I did not call this company and say i had and problems so why block my card. I talk with XXXX on XX/XX/18 to see what was going on. I sent documents and she unblock my card. So on XX/XX/18 my card gets block again for the same stuff. Which i sent documents the company XXXX  sent documents but still my card is block. I spoken with 3 supervisor only name i know is XXXX because the other 2 refuse to give their name. I want my card unblock its my money and not their. However i spend my money is my business. So this company is doing fraulant stuff to my card. I need my money. Can u all help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
The interest rate on this line of credit is 360 %. Way higher than the legal interest rate in the state of kansas. It is making it impossible to pay off my loan or keep up with my other Bill 's. After researching interest rates in my state I discovered this interest rate isnt legal. I attempted to contact them and havent gotten anywhere. I have made multiple biweekly payments since XX/XX/XXXX and I have gotten nowhere. I just 2ant to be done with this loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX,, I Receive a Response Back From Wellz Fargo Bank Concerning Issues About Overdraft Protection,, The Problem Is My Account Statements Is Blocked Online Don't Have Access to Any Transactions,, No Paper Statements has Been Issues To Me By Mail at All Concerning This Matter,,,, And For The Settlement Pay ment Go,, Note,, XX/XX/XXXX ( unathorized Bank Accounts Opened,, Was Never Conspenated At All,, Used Deceased Parents Information To Open Those accounts,, If There Was A Settlement Paid In Then Why Was I Conpensated,, This Facts to The Best Of My Knowledge,, XXXX Knows The True,,, This Is So Mess y

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 2018-11-28 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: U.S. BANCORP
State: NJ

Complaint narrative:
I was solicited by XXXX XXXX to open a VISA credit card by enticing me with a {$100.00} credit if I charged a certain amount within 90 days of opening the card. They solicited me directly through the mail as well as through my relationship with Fidelity. I applied for the card in XX/XX/XXXX or XX/XX/2018. I was approved. My first charge on the card was XX/XX/2018.  I have used the card extensively to meet the spending goal to receive the {$100.00} credit. 

I called them in early XX/XX/2018 to find out when I'd get my {$100.00} credit. They said I was not enrolled in promotion. They said I would have to send evidence that I was solicited. I sent a copy of solicitation in mail with a letter dated XX/XX/2018 to XXXX XXXX. I received a reply dated XX/XX/2018 saying they would review the account over the first 120 days to determine if offer could be applied. This confused me. 

I called them back on XX/XX/2018 and spoke to several people ( over one hour of my time ) and they all said they would not honor the promotion. This is fraudulent advertising. They said I didn't enter a code for the promotion when I applied online, therefore they would not honor the code. They even claimed their hands were tied because of Federal regulations and CFPB. I explained that the CFPB was not established to protect them, but to protect consumers like me from exactly this sort of behavior by unscrupulous consumer financial companies. 

Since XX/XX/2018 I have been solicited again through my Fidelity online account for the exact same {$100.00} credit offer. I went through XXXX XXXX 's online link for the offer just to repeat the process and see where the mysterious code should have been entered. The online application for this Credit Card had no place to enter such a code. I didn't complete this second, test application because I was simply trying to see where I might have gone wrong the first time. I am convinced that their online link to the promotional offer is set up to cause the consumer applicant to somehow apply for the card without getting the offer. 

The exact same thing happened to my son who applied for this credit card over the summer. 

I would like to get the {$100.00} credit, because that is why I applied for the card. My son should also be given the {$100.00} credit because he was directly solicited just like me and they refused to acknowledge his participation in the promotion.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: OH

Complaint narrative:
On Monday XX/XX/XXXX, a bank hold in the amount of {$910.00} was placed on three accounts with XXXX XXXX. I had been making monthly payments to the collection agency for the unpaid outstanding debt. 

These accounts belong to my minor child. I contacted the Collection Agency and they advised me that I needed to submit proof of ownership of her account. They assured me they would review my case and because of their assurance, I did not file a notice of contest with my court system asking for protection for my daughters funds. 

On XX/XX/XXXX/2018 I emailed to them proof that she was a minor child and that the accounts were hers. I also submitted to them pay stubs with her name on them showing the deposits into these 3 accounts were from her part-time employment.

On XX/XX/XXXX/18 they requested additional information including a copy of my bank statements and additional pay statements.

On XX/XX/XXXX/2018 they called me to inform me that they were not returning the funds to my minor child. They would not provide a clear and reasonable explanation why.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation
State: NE

Complaint narrative:
I did a reservation for a car rental through XXXX XXXX XXXX on XX/XX/2018. The amount was for XXXX. The transaction was cancelled on the same day. For some reason my card was charged in the about amount on XX/XX/2018. I sent in proof to the FI, but they have denied my dispute claim.

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 2018-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
I called last week to see if I could lower my payment. I work for a non-profit, will be eligible for PSLF in a couple of years and am paying monthly payments for my oldest in college. I was told when my student loans transferred to Navient, I would be put in the plan with the lowest monthly payment, since I qualify for IDR. 

The rep immediately told me, I was in the best IDR for me and my only option was forbearance. I informed her per StudentLoans.gov, I was eligible for several payment plans with lower monthly payments. She immediately told me I was eligible for said plan and I could lower my payment by {$200.00} a month. 

She then told me how to request this change. I submitted the paperwork on the same day. Today, I get communication I will be moved into a standard repayment plan and that my IDR Recertification can not be processed as it is too early. 

So I call, again, and am told I have to pay the {$5.00} processing fee to have my IDR plan changed. I asked the rep if I missed something in the online process to pay this fee. No, I have to call into do it even though I agreed to the fee online. 

It is evident Navient is not working in the best interest of borrowers like me. 

I have struggled to pay my student loans for years and am committed to doing so, but I do not have a partner in my loan provider who will support my success. These are shameful and predatory business practices. Navient should correct my last 5+ years of payments to the lowest amount I should have paid in the IDR and apply the difference to my principal. Or advance my payments so I am eligible for PSLF sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: FIRST NATIONAL BANK OF OMAHA
State: TX

Complaint narrative:
I have paid this account regularly for years, however the XX/XX/2018 bill was credited with both the XX/XX/XXXX and XX/XX/XXXX payment. 
I caught this situation and contacted the XXXX XXXX XXXX XXXX to see if they would remove the fee charged on the XX/XX/XXXX bill. I also expected the bank to Credit the XX/XX/XXXX payment to the XX/XX/XXXX bill, past practice has always allowed this re-credit and I had no reason to think they would not do what had been done in the past. 
The XXXX XXXX XXXX dropped the initial fee, however they neglected to reassign the payments as they were intended. 
Now my credit has been muddied and there have been threatening letters accusing me of being behind in payments. 
I am retired and on a tight budget, so the additional money The XXXX XXXX XXXX has requested would have to come from savings. I have made every payment as per our past three years of the account and believe the Bank has singled me out without cause. 
The XXXX  XXXX XXXX has demanded an extra payment and added {$70.00} in fees that I believe are unfair to me and my family.

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 2018-11-28 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: SELECT PORTFOLIO SERVICING, INC.
State: NJ

Complaint narrative:
1- SPS has failed to provide proof by affidavit upon my request, which adheres to the Laws of New York State XXXX Surrogate 's Court Procedures : " Every claim against the estate of a decedent other than claims for expenses of administration and claims of the United States or the state of New York must be in writing, contain statement of the facts upon which it is based and the amount thereof. In addition the fiduciary may require the claimant to present proof by affidavit that the amount of the claim is justly due, that all payments thereon, if any, have been credited, that the claimant knows of no offsets and no evidence of indebtedness and holds no security, except as specifically described in the affidavit. '' As the fiduciary of XXXX XXXX XXXX XXXX   estate, I am requiring the claimant to present proof by affidavit. 2- In CFPB response XXXX, XXXX states , " The legal description in the Mortgage and Mortgage and Consolidation Agreements matches the legal description in the title reports dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Each title report references the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770 ( copies enclosed ). It is unclear as to whether the Deed dated XX/XX/XXXX, describes the property address of XXXX XXXX, XXXX, NY XXXX because a specific property address for the property is not set forth in the Deed. XXXX held a security interest in the property described within the Mortgage dated XX/XX/XXXX, and Mortgage and Consolidation Agreements dated XX/XX/XXXX, and XX/XX/XXXX ( copies enclosed ). XXXX sold the loan at issue to XXXX XXXX XXXX effective XX/XX/XXXX. '' XXXX has thus confirmed they have never held a security interest in XXXX XXXX XXXX XXXX, as this property does not lie in the meets and bounds of the deed dated XX/XX/XXXX, recorded on XX/XX/XXXX, XXXX # XXXX, page 770, and is absolutely not the property contained as a security interest in said loans. However, SPS continues to force place insurance and threaten legal action with regards to XXXX XXXX XXXX XXXX ; a property in which they have no security interest in. It has been well documented SPS 's actions are both fraudulent and deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 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: IL

Complaint narrative:
Wile we were in bankruptcy XXXX XXXX listed on our credit report as delinquent with Trans union credit. We contacted trans union and contested the report. The whole mortgage was removed because of bankruptcy protection against derogatory reports against our credit.We filed chapter XXXX and reaffirmed my mortgage with XXXX XXXX.Upon completion of our bankruptcy XXXX XXXX continues to refuse to list our mortgage on our transunion credit report. It has been more than 2 Years of multiple calls and letters to XXXX XXXX to no avail.Even complaints to the presidents complaint department didnt help The other two credit bureaus report my mortgage no problem. Only trans union who I have contacted and has said its XXXX XXXX XXXX our Mortgage data and refuses to release it. This adversely affects our transunion credit score and affects our credit and ability to get credit PLEASE HELP! We don't know what else to do

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Account opened online in XXXX and was promised a {$400.00} bonus after depositing $ XXXX. Terms stated was 60 days and its been way over 60 days and still didnt get the offer. 

They are saying I didnt get the offer of {$400.00} and got a different offer instead of interest ( of 1 % which is ridiculous ). I did the application online through a Citibank link stating that I will get {$400.00} bonus ( sole reason why I opened the account ). Unfortunately, the link no longer exists cause they now have a new promotion. 

I found a lot of complaints online regarding this offer and would like help to resolve 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 monetary relief
Consumer complaint received 2018-11-28 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: MS

Complaint narrative:
The following accounts do not belong to me. I have contacted the individual companies about the fraudulent accounts. I am requesting signed contracts that obligates the following accounts to me. XXXX XXXX   XXXX / XXXX Card opened on XX/XX/2018. This account is fraudulent and does not belong to me. XXXX opened on XX/XX/2018. This account is fraudulent and does not belong to me. Police reports have been mailed to the credit reporting companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCC Business Services, Inc.
State: IL

Complaint narrative:
NCC Business Services is calling my cell phone about a debt owed by someone else. They keep saying " If you are? ( can't make out the person 's name ) press 1 to speak to a customer service rep. '' I am not the person mentioned and can't understand or hear what the person 's name is that they want to speak to.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is the claim regarding Citibank checking account sign up offer which says if I deposit {$15000.00} within the first month and keep the amount in the account for 90 days, I will get {$400.00} deposited into my account within 60 days. 

I applied online for a checking account using a promotional link from Citibank web page. I was not asked for any code or coupon during the process. I was worried about it but since it's a link from Citibank and the page does mention the offer, I trusted Citibank that would honor the offer if I meet the requirement. 

I applied back in XX/XX/2018 and deposited {$15000.00} into the account right after. I waited until XX/XX/2018 but still didn't see the {$400.00} bonus deposited into my account so I called Citibank customer service over the phone. The representative was very rude and saying I didn't not apply any code when opening the account. I explained that I open the account online and there was no place for me to enter any code. At the end there's nothing they could do and suggested me to close the account if the bonus is all I want. 

Later on I went to a Citibank branch. I spoke with a manager in the branch. After examination of my account, she determined that I should qualify for the offer but she has to submit a claim to the headquarter in order to get the {$400.00} deposited into my account. She also suggested that since I have already met the requirement, I could withdraw my money out and only keep {$200.00} in the account just to keep it open and active. I followed her suggestion. 

Almost 2 months have passed and I still don't hear from Citibank and the {$400.00} is not deposited. I am tired of playing games with Citibank and I am submitting a case here.

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 2018-11-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
XXXX18 XXXX XXXX  Received a call from XXXX XXXX at IQ Data. He said I owed a debt. I asked him to send me the information. He said he would only send the information if a was going to pay the debt immediately. I was not going to pay anything without looking at the information. 

XXXX18 XXXX XXXX The same number called me back. I did not answer. 

XXXX18 XXXX XXXX  XXXX XXXX at IQ Data called my place of business and left a message on a public email about the debt. 

XXXX18 XXXX XXXX I called him back and he again said he would not email the information about the debt unless I told him I would pay him by credit card immediately.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NJ

Complaint narrative:
XXXX XXXX  XXXX XXXX XXXXXXXX servicing unit should of notified Fedloan servicing that my XXXX discharge was approved. Therefore, the two loans under account number XXXX XXXX XXXX should be transferred to XXXX and reported as a XXXX balance with major credit reporting agencies.

Company response to consumer: Closed with explanation