vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
In XX/XX/XXXX, I opened a business account with XXXX XXXX at the Bank of America in XXXX.I put {$5000.00}. I know if it does not work, I will lose this amount. I did not know the bank was going to give XXXX XXXX a credit line of {$25000.00} which he will increase to {$35000.00} later. After a few weeks, XXXX XXXX transferred all the money to XXXX XXXX and moved to XXXX XXXX. The last time I talked to him was in XX/XX/XXXX. He was trying to get money from me. After I refused, he got mad and asked me not to call him. A few weeks later, he changed his phone number My wife an I have a joint account at Bank of America. I have never received a call from the bank, an email or letter and I go to the bank almost every week. 
On Friday XX/XX/XXXX, the bank withdrew {$5800.00} from the checking and {$33000.00} from the saving leaving the saving with {$100.00} and the checking with {$74.00} because they did not want to close the account.They said the last time XXXX XXXX made a payment was in XX/XX/XXXX. They just want to collect their money. I have my mortgage, car insurance and other bills to pay. I have never used the card and never been contacted before

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 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Seterus, Inc.
State: PA

Complaint narrative:
We were in foreclosure on our home. We went and spoke to a housing counseling agency who told us to begin saving all of our payments and the past due payments until our court date. On our court date we were told the foreclosure had been dismissed by Seterus although we had received a new foreclosure notice about 2 weeks prior. We asked our housing agency counselor how do we get current we have saved the payments and can pay up to date. She asked the attorney to send us a reinstatement letter. We received that letter after 2 additional requests for it. We went to the bank and wired the funds by the due date XX/XX/XXXX. Plus an additional {$930.00} to cover the XXXX mortgage payment. For a total wire of {$10000.00}. When I called in the following Friday XX/XX/XXXX to confirm Seterus receipt of our payment and that we were in good stAnding I was informed that we still owed the XX/XX/XXXX payment. That we had to pay {$10000.00} based on a statement we received from the company on XX/XX/XXXX. But that statement was received and dated prior to the attorneys letter that we received on XX/XX/XXXX. Seterus is telling us that they have nothing to do with what their attorney sent us. That those numbers were wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI

Complaint narrative:
We have been trying to work a short sale with SPS. They initially did an external value which didn't show the foundation that is collapsing. We submitted a value dispute and received a letter dated XX/XX/XXXX stating they agree with our value dispute {$22000.00}. SPS took so long to complete the decision process so that we lost the buyer. Based on their letter that they would take {$22000.00} we relisted the home to get them the required NET they require if the value was {$22000.00}. This put us at a purchase price of {$23000.00}. SPS has held the file for MONTHS again and finally decided they are countering to {$27000.00} stating our value dispute was denied in XXXX. How was it denied when it was already approved? They did a new DRIVE BY valuation - so they can not see the damages of the home. I have requested that the file be sent back to the investor for final decision - we don't have another 30 days to waste on SPS holding the file due to their inefficient processes.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
I got this loan a year ago and have since paid the original amount twice but still owe XXXX which is XXXX more than i originally got. i have already filed a complaint and my complaint number is XXXX. I noticed that the company has responded that it wasn't them. I want to add some paperwork from this company to this complaint. since approximately XXXX XXXX someone broke into my truck and took it. so they now have custody of my truck. even thought I have been paying. They keep calling and calling even though I have talked to them and explained that i could only make partial payments now because i am not working full time anymore. They refused to take partial payments and refused to give me the address to send the payment in. They have emailed me constantly as well as called several times after I have already spoken to one of  their agents. Now I see that this company is already on your list but they say it isn't them.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
On around XX/XX/XXXX I noticed this collection account from IC SYSTEMS INC on my creit report. I immediately questioned if this was my debt. I sent IC SYSTEMS INC a debt validation letter on XX/XX/XXXX this letter was received by IC SYSTEMS INC on XX/XX/XXXX @ XXXX XXXX CERTIFIED MAIL TRACKING # XXXX XXXX XXXX XXXX XXXX SIGNATURE WAS ALSO REQUIRED. Since the delivery of my debt validation letter to IC SYSTEMS INC, I HAVE NOT RECIEVED ANY VERIFICATION OF ANY SORT, showing that this debt belongs to me. THIS IS NOT MY DEBT!!! please investigate. Also, IC SYSTEMS HAS RED FLAGGED MY ACCOUNT XX/XX/XXXX 4 TIMES IN 1 MONTH ( XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX ) 5 TIMES ALL TOGETHER. Please investigate as I am sure this has to be some type of violation on there behalf.

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 2018-05-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Over the past year or two, I have been having issues with my available balance and overdraft fees. I use online mobile banking through WellsFargo because the text mobile banking is always inaccurate. Purchases made from Thursday to Sunday often do not appear until Tuesday at the earliest. Most are not shown as pending. They go directly to being posted transactions. Just yesterday, I transferred {$5.00} from my savings account because my checking was suddenly at {$0.00}. Today, my checking is negative, my savings is empty, and I was charged an overdraft fee. I believe they are adjusting not only the order in which purchases are posted, but they are not showing all pending transactions so my available amount is wrong. Which, in turn, causes overdraft fees.

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 2018-05-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Receivables Performance Management, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX at XXXX XXXX, a gentleman named XXXX called my secretary to tell her that I was being subpeoned and he needed my information. I was not in the building and he asked to speak with my boss. He then gave her his number and my social security information and a case number. I then called on XX/XX/XXXX at XXXX XXXX and was connected to XXXX from RPM credit collections who then told me that legal action was to be taken against me and they would show up at my place of employment to get garnishment information from my employer. He then stated that they would embarrass me at my job.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo Dealer Services has abused my rights as a consumer, by using the power of the 3 credit bureaus. On XX/XX/XXXX i purchased a used vehicle WFDS issued me the loan and i accepted it. My payments were XXXX per month. I paid my monthly payments till after around 13 or 14 months later WFDS decided that my insurance wasn ; t good enough and issued me their own insurance. Everything got very confusing my payments changed, as to even in XX/XX/XXXX they made me pay XXXX. I said i dont understand why the XXXX their reply was your payment raised i paid it then they wanted me to pay XXXX for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX on top of XXXX the new payment they raised me to. I could not make the payment which forced me into falling behind. I was looking at repossession now. On XX/XX/XXXX WFDS accepted another XXXX told me that i would be fine with the repossession and in the meantime a truck pulled up in front of my house trying to repossess the car, they were unable to do it that day since the car was in the mechanic shop. That forced me into doing a Bankruptcy to get protection from the Federal Judge. I received my protection. In the meantime WFDS has instated wrong information on my credit report for the last 3 years or more, wrong dates, wrong amounts, and a separate account for their insurance. I have not tried to resolve this before because my husband has been very ill for the last 4 years, undergoing extensive XXXX, but today hes doing much better, and i am here trying to resolve this matter.

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 2018-05-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I applied for a XXXX 's credit card online and was turned down in a letter to me dated XX/XX/2018 stating " Unable to verify identity information ''. I immediately call the XXXX phone number provided in the letter to rectify the problem. After speaking to a supervisor I was told the cell phone # given wasn't the one in my credit file. I explained that I no longer have that phone and use one that is under my employers business name. I was told they needed to send a text message to a phone registered in my name. 

At that point I told them I have a landline home phone registered in my name through the cable company. The supervisor claimed a message was sent to it, but didn't work. She asked if I had blocked the phone from getting them. To the best of knowledge cordless landline phones can't receive messages of that type. 

Next step was me asking if there were any other ways to identify me. The answer I received was no and that the application couldn't be further processed. I called the Executive Office at the XXXX 's I shop at to complain and was basically told the store had nothing to do with it. I was then transferred to a sales manager on duty who said she would try and help. Never got back to me! 

I then called the XXXX 's corporate office in XXXX, OH. Ended up with a rep. from the wrong dep. that transferred me to what he said is the right dept.. It too turned out to be wrong and when I was supposedly transferred to the correct one the call was disconnected. 

My contention is XXXX 's by not asking me to go into one of their location with a picture ID to identify me discriminated in offering credit. Also nowhere on the XXXX 's web site does it state in order to get a credit card there must be a cell phone in the applicants name.

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 2018-05-08 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:
XXXX XXXX XXXX XXXX ( XXXX ) is in violation of the New York State Real Property Actions and Proceedings Law ( RPAPL ) 1921 and New York Real Property Law ( RPL ) 275.  These laws require a mortgagee ( XXXX ) to execute a satisfaction of mortgage and arrange to have the satisfaction recorded within 30 days. Failure of the mortgagee to do so entitles the borrower to a penalty based on when the satisfaction was recorded. The amounts are {$500.00} for satisfactions not recorded within 30 days, {$1000.00} for satisfactions not recorded within 60 days, and {$1500.00} for satisfactions not recorded within 90 days. XXXX has negligently failed to execute a satisfaction/discharge of mortgage and have the satisfaction/discharge recorded on the following mortgages which are now erroneously recorded in the XXXX XXXX XXXX XXXX in XXXX XXXX, New York : XXXX, XXXX and XXXX ( see attached listing ). In a letter dated XX/XX/XXXX, XXXX states, The loan was sold and transferred to SPS effective XX/XX/XXXX. SPS states in a letter dated XX/XX/XXXX, XXXX XXXX XXXX XXXX is the Noteholder of the account, and SPS is the mortgage servicer. If the loan was sold, as XXXX states and SPS confirms, XXXX is no longer the Noteholder and has no legal security interest in the mortgages and therefore, should have executed a satisfaction/discharge of mortgage for each mortgage they previously and erroneously recorded in XXXX, XXXX and XXXX. If the erroneous mortgages were transferred/assigned to SPS, as XXXX also states, I have yet to be provided an actual copy ; although previously requested, which legitimizes such transfer/assignment, including a copy of the actual proper and legal endorsements by XXXX to SPS, or whomever they allegedly sold and transferred the mortgages to. Not a prefabricated form letter that states the mortgage has been sold/assigned/transferred, without any accompanying documented evidence, which serves to prove which party owns the alleged debt and therefore may bring a foreclosure action. In addition, to date, there has been no proper written format of a document and recordation of such document, which provides notice to the public of an effectuated assignment. I am entitled to such copies and verification, if it exists. The negligent actions of both XXXX and SPS remain unconscionable during the ordinary course of business, which leads to further harm to the consumer. It is now going on six months since XXXX has sold and transferred the aforementioned mortgages without adhering to established law.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Tried to deposit a foreign-bank issued Manager 's Check ( XXXX XXXX ) into our Wells Fargo checking account at our local Wells Fargo Bank branch. Their Foreign Exchange Collection Dept.  was not able to process it apparently because of a regulation by the XXXX XXXX XXXX XXXX XXXX. When we tried to retrieve the Check from our local branch, we were told that their Collections Dept. did not return the Check and was further informed that the Check is not negotiable anymore because it has been stamped by Wells Fargo I contacted the Collections Department to try to retrieve the Check from them, but was told that they actually returned the Check to the local branch. Confronted with this information, the local branch admitted that the Collections Dept.  returned the Check, but they can not locate it any more. In order for the XXXX XXXX  to put a Stop Payment on the Check and replace it, the purchaser of the Check has to sign a notarized Affidavit of Loss and purchase an Indemnity Bond in the amount of XXXX pesos. The problem is, my XXXX-year old Aunt who purchased the Check, lives in XXXX XXXX XXXX. She purchased the Check when she was visiting relatives in the XXXX. She needs to either go back in the XXXX to take care of the situation or perhaps, have someone with a Special Power of Attorney take the appropriate actions on her behalf. Nonetheless, any action will require her to have either the notarized Affidavit of Loss or Special Power of Attorney authenticated by the Secretary of State of XXXX XXXX and further authenticated by the XXXX Embassy, which is located in XXXX XXXX All these things have to be done within one-year from XX/XX/2018.

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 2018-05-08 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: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
I was adding another checking account to my online credit card service in order to pay my bill. It is my husband 's which I am not on, however, they have a questionable verification process. Instead of other identifying information, email etc, they require you to enter the amount holders log in ID and password ( which I refused ) for their specific checking account that is NOT written on the same bank as the credit card. As a retail merchant, this is questionable behavior on the part of my credit card company. Well all have requirements in regards to credit card information theft, but this was asking for a personal checking account online log in information. I find it a very odd verification practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I look at my Credit Reports and found the following errors : XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX   XXXX XXXX # XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX  XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX XXXX XXXX XXXX I do not recognize this account, please verify with proof or delete XXXX XXXX XXXX # XXXX I have never late. Verify records or delete late records XXXX XXXX XXXX I have never late. Verify records or delete late records These are addresses I do not recognize, please DELETE XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OK XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX XXXX, OK XXXX My only phone number that are correct : XXXX. Please delete all other phone numbers. 

There are variations of my name which are not correct. Please delete name variations. 

There are variations of my Social Security Number, which is a red flag why there are accounts I do not recognize. Please verify my SSN and remove any variations.

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 2018-05-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Hi my name is XXXX XXXX my capital one credit cart is close because payment is returned I understand its my far but I need las chance open again my account I fix it that problem I dont need my credit history go down please help and give me at other chance I call costumer service but thay dot give me any chance please help

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Federal Credit Control, Inc.
State: OH

Complaint narrative:
account XXXX First Federal Credit Control is not able to provide any signed correspondences showing that this provider was to turn accounts over to collections and/or bill. The company has yet to provide proof of this alleged debt, which the dates and/or services along side alleged debt is being disputed. Per this dispute along side the fact that First Federal Credit Control can not provide reasonable evidence that this debt is owed, this needs to be off my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
Received a call from someone calling himself XXXX XXXX who stated I had a debt in the amount of over {$2000.00}. I told him I did not know anything about that debt and he proceeded to tell me I did know about it and that they had spoken to me several times and that he was going to state that I said I had no intention on paying the debt. I tried to explain that I had no idea of a debt in that amount and he proceeded to hang the phone up on me. I later called the company back and they told me he was combining multiple debts and quoting me one single amount from multiple debts.

Company response to consumer: Closed with explanation