vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BBVA FINANCIAL CORPORATION
State: WA

Complaint narrative:
I bank with BBVA and also for business with a company called " XXXX ''. XXXX XXXX is an app that allows workers to imput their work hours and earnings into their system and receive money before their payday. This service is of great necessity to me based off of the drive service work I do and the need for gas to complete my job. Recently, my bank has not been updating my bank info faster enough, it 's almost at crawl.. I do n't know what the recent hindrance is, but I have updated all my online banking alerts so my information should be sent immediately. I love banking with BBVA, I would just like this aspect of our relationship to get better.. <P/>I just need my bank info to be sent to XXXX faster so I do n't have issues using their services.. <P/><P/>Thanks XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
During the period of XX/XX/XXXX to XX/XX/XXXX my wife was handling our finances because I had been XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX was in and out of hospitals, XXXX, XXXX XXXX, XXXX XXXX and home but XXXX. During this period a series of fees started showing up on our joint checking account. My wife grieving the loss of our XXXX XXXX XXXX XXXX old child to XXXX, was n't keeping a close eye on the transactions on our statements. These where regular monthly fees that should have been waived, because we made more than ten regions credit/debit transactions a month ( a lot more ). When my wife set up the cards, she was assured that both cards would qualify towards the ten transactions needed to waive the monthly account fee. I first noticed the fees in XX/XX/XXXX, and called regions bank to ask about the fees. They told me that only one of the cards qualified, because one of the cards was only an authorized signer and not listed on the credit card account as a joint owner. I feel that this is just total nonsense and a technicality that they have used to charge us months worth of bogus fees. More over we where assured that the cards qualified.

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 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Applied  XXXX .   Opened  XXXX .   Got all paperwork  XXXX .   {$500.00} ACH from  XXXX  posted to WF XXXX   XXXX / XXXX / 17  no bonus triggered.   {$1.00} x  XXXX   XXXX  reload  (   XXXX / XXXX / 17  and  XXXX / XXXX /   17 )  posted  XXXX / XXXX / 17  no bonus triggered.   No bonus as of writing (  XXXX / XXXX / 17  ).   {$500.00} ACH from  XXXX  posted to  XXXX   XXXX / XXXX  /17  no bonus triggered.   Secured Message from Wells Fargo  XXXX / XXXX / 17  :  WF  XXXX  told me The {$250.00} credit will post after  XXXX / XXXX / 2017 .   No bonus as of writing (  XXXX / XXXX /   17 ).

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 2017-06-27 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Atlanticus Services Corporation
State: MD

Complaint narrative:
During XX/XX/XXXX, I spoke with a Fortiva customer representative to set 3 payments to close out my account. On XXXX XXXX, 2017, XXXX I received a call saying my account was not update. I asked to speak with a manager. She explained their records show were no records of 3 payment made. We went back and forth. I finally decided to make a payment. Which she requested that they systems could not make any additional payments. I demanded to never call my phone.

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 2017-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
Every month City of XXXX give me a check to pay for my services, the check is from their account at BBVA compass Bank, today I went to change my check # XXXX amount XXXX under my name XXXX XXXX and the cashier told me that there is a fee to do it because I dont have an account in this bank, XXXX dls fee for a Non-BBVA compass account holder check cash policy, when I ask for a tax receip they give me a flyer, obviosly i ask for a tax receip and they denied to give me one, and I cancel the transaction, Is legal to them to do this, charge you a fee and dont give you a tax receip?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Calls from Capital One : 1. XX/XX/XXXX XXXX Cap XXXX XXXX 2.XX/XX/XXXX XXXX 3.XX/XX/XXXX XXXX 4. XX/XX/XXXX XXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX they called but msgs were deleted ) 5. XX/XX/XXXX XXXX 6.XX/XX/XXXX XXXX 7. XX/XX/XXXX XXXX 8. XX/XX/XXXX XXXX  9. XX/XX/XXXX XXXX 10. XX/XX/XXXX XXXX 11. XX/XX/XXXX XXXX 12. XX/XX/XXXXXXXX 13. XX/XX/XXXX XXXX 14.XX/XX/XXXXXXXX 15. XX/XX/XXXX XXXX 16. XX/XX/XXXX XXXX 17. XX/XX/XXXX XXXX 18. XX/XX/XXXX XXXX 19. XX/XX/XXXX XXXX 20. XX/XX/XXXX XXXX 21. XX/XX/XXXX XXXX 22. XX/XX/XXXX XXXX 23. XX/XX/XXXX XXXX 24. XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: REGIONS FINANCIAL CORPORATION
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX, and I have three ( 3 ) mortgages on my property. I am current with the first mortgage, but I had to take a job making less money and I could no longer afford the 2nd and 3rd mortgage. I am in the process of selling the home as I am now struggling to pay the first mortgage. I have an offer that will pay the first mortgage in full and the second mortgage has consented to take $ XXXX, the third mortgage which has been charged off since XXXX and is now in the recovery department wants $ XXXX when on XXXX XXXX, XXXX my short sale representative spoke to XXXX XXXX w/ Regions Bank and he stated that he can make {$7800.00} work. I can not believe that these people will push me into a foreclosure situation. I could file bankruptcy and get rid of them all together, but I do have a sense of honor and I need to pay them something. The bank will not allow me to pay them $ XXXX simply because they are in 3rd position and this is a HELOC. The senior lien holder will not allow me to pay the junior lien holder more than $ 9K and they are both with XXXX. Please HELP. This lender is being unreasonable and they are trying to force me into foreclosure or bankruptcy.

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: WA

Complaint narrative:
I closed on a 15Y conventional mortgage with KeyBank. I requested all documents go to my address on file ( prior home ) and not the new home. I confirmed this with my mortgage banker, XXXX XXXX. We never received a statement to may the first payment in XXXX. XXXX. XXXX  was able to get it and email me a copy. Two weeks into XXXX, I still had received no documentation from KeyBank since closing. I contacted XXXX. XXXX again and he asked me to call the XXXX number and as this is the job of the folks at that number. I did so and spent 45 min on the phone trying to get things sorted out. As of today, XX/XX/XXXX, I have received a paper address change form with no return information explicitly stated on it nor a return envelope and no further paperwork. I called again this XXXX and was told that they " always '' send the paper confirmation and that is why the previous person did not tell me it was coming. They blamed me on more than one occasion, stating that the problem must be that my mail forwarding is the problem. My mail was not forwarded untilXX/XX/XXXX. Two different people have no idea why, I am not receiving anything. The only answer today, was to transfer me to the online bank dept to enroll and pull up my statements electronically. I have been trying to accomplish this for a month already and it always tells me it can not confirm my account. I was able to create an online profile this, but the person on the phone failed to verify my ID using " public record '' questions and told me he could not longer help me and I could call back or go into a branch.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Equifax allowed XXXX to alter my original file after five years and add a {$260.00} balance and change the length of my loan from 60 months to 65 then show me as currently late on a charged off loan. I disputed this after it dropped my score 30 points. Then I had to wait 30 whole days for XXXX to send them my XXXX loan info instead. It does n't even match and they cleared XXXX and left the false information. I immediately started another dispute online. Now they say I have to wait another 30 days to see if the correct info will be sent even though I showed them on there own report that both loans have been assigned the same account number, but I do have proof from a 2015 XXXX XXXX report that they originally did not. I repeatedly asked if anyone else could help in this matter legally speaking and Equifax said NO that they and the companies controll what go on the report!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I would like to add to my Complaint # XXXX regarding Bank of America. I was contacted immediately from the bank regarding my first complaint and I was assigned a rep that would help me with my modification. I was told that I needed to resend my Husbands payroll records which I sent to them. I received a call from another person at the bank that my modification was again denied because they could not read my Husbands payroll records therefore they were only using my income. This is ridiculous, instead of denying me they should have called and asked me to resend it. I am so sick and tired of dealing with Bank Of America.

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 2017-06-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Codilis & Stawarski, P.C.
State: AR

Complaint narrative:
I owned my condo for 14 years without ever a late payment. I became ill, lost my longtime job with XXXX, and had to stay with family out of state due to physical limitations. XXXX and their debt firm Codilis & Stawiarsky ( XXXX, TX ) foreclosed on me over {$1500.00} and I was n't aware until after the sale on XX/XX/XXXX. Codilis is very unethical and unprofessional, ignoring most of my communication and dodging payment of the excess proceeds from the sale. They also have not paid off the mortgage, running up the payoff to XXXX. XXXX states they have no control over what Codilis does or does n't do. <P/>I require medical care, my XXXX hearing has finally been set after 26 months of waiting, and I need this money for groceries and medication. The laws give these companies freedom to take advantage of taxpayers ( yes, being single, I have paid a lot of taxes over the years ) when they should be held to the same short timelines as the borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
All transactions occurred XXXX XXXX XXXX. Accounts were opened with Comenity Bank at XXXX, Victoria 's Secret, XXXX and XXXX. Amounts were XXXX XXXX, Victoria 's Secret XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX XXXX NA Inquiry : XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by 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 explanation
Consumer complaint received 2017-06-27 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: TX

Complaint narrative:
I have several inquiries on my report from XXXX XXXX XXXX XXXX and from XXXX XXXX. I contacted XXXX XXXX XXXX @ XXXX and spoke with XXXX employee # XXXX and he was unable to find any applications for me, and he even checked the archives. I contacted XXXX XXXX and they are going to be sending something to have the inquiries removed, but they told me to contact creditor to see about getting them removed sooner. Here are the inquiries : XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX Inquiry : XXXX/XXXX/XXXX XXXX  XXXX NA Inquiry : XXXX XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX XXXX. Please remove all of these inquiries because they do not belong to me, and were not authorized by 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 explanation
Consumer complaint received 2017-06-27 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: WV

Complaint narrative:
I became aware that I was a victim of identity theft on XXXX. Fortunately, no damage was done to my credit aside from hard inquiries related to multiple declined credit card applications. I used XXXX XXXX XXXX.XXXX to pull my reports and upon answering personal identifying questions I was able to pull both my XXXX and XXXX reports. However, none of the security questions that Equifax used were remotely close to my background. I tried multiple times and became alarmed when some of the questions were related to new mortgage accounts. Panic stricken, I called equifax and they told me I would need to pay {$12.00} to look at my report. After I paid they told me over the phone that I had no new accounts. How dare they feed off of my vulnerability and panic for their own financial gain. A XXXX  search confirmed that this seems to be a common business practice for them and it is highly unethical. Scare people into calling and then sell them goods and services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: URS Holding, LLC
State: NH

Complaint narrative:
I leased a vehicle, it was CLEAR to me at the time of the lease that I would NOT owe a disposition fee, as I was a returning customer and also because it was NOT in my terms of the contract signed, years later, I returned the lease, rather than lease again. XXXX of XXXX The salesman was not happy and told me as I was giving them the keys that this would be " feed ''. Rather aggressively. Obviously upset that I was taking a break from leasing a vehicle. I received a letter months later from a collection agency, NOT XXXX. XXXX Amount of {$530.00}. I paid XXXX for mileage owed and it cleared. ( note I never received a bill prior to collections from XXXX ) I wrote a letter disputing the disposition fee charge of {$350.00}. XXXX To Both to the creditor and the Collector. I went ahead and attempted to get verification that this is, in fact, a fee that is owed. NEVER received a response from anyone, received another bill XXXX for a settlement at a less amount from XXXX {$280.00}. NO > I am not going to settle and pay just to take it off my creidt because they are sending a bill. I sent another letter. XXXX questioning the settlement and amount due looking for proof etc. Again. no proof, no contact from XXXX. I sent this letter to both of them. Here it is XXXX XXXX, XXXX and I received another letter from XXXX Debt Collector that I can settle at {$280.00} and offer payment plans. No verification. I called and left three messages and no response. I am now drafting a third letter and also submitting this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Confusing or missing disclosures — 
Company: WESTERN UNION COMPANY, THE
State: SC

Complaint narrative:
On XXXX XXXX 2017, I attempted to send {$60.00} USD to a friend via Western Union. The fee for " in minutes '' availability is {$13.00} for this sum. When going through the process to send money, the questions asked about the receiver are : First Name, Last Name, Phone Number ( optional ), and State. " State '' is not listed with any context, so it could be " State where recipient has a government-issued ID from '', or " State where receiver is a resident '' or " State where money is to be received ''. At the bottom of the screen are the disclaimers, which update as you make transfer choices to show relevant information. One such disclaimer is " 6 Your Receiver can pick up your money transfer at any of our Agent Locations in United States ''. However this turns out not to be the case, as the ambiguous " State '' field is in fact " State where money is to be received. I phoned WU to have the State of my order updated. They were able to do this without issue. My receiver went to an agent location in the now-correct state, and was asked for a phone number. This was an optional field when sending, so I did n't fill it out. The WU representative told my receiver that this was the only way to look up the order. So I called WU again. They told me that they did n't in fact need receiver 's number, that receiver could simply provide the number and this would resolve the issue. This did not work. WU then told me to have my receiver call WU and have them speak with the local agent. This did not resolve the issue. My receiver had to go to another WU location where money was furnished.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is for Chase bank. XXXX My husband lost his wallet including his chase debit card, containing his driver 's license and social security card. He reported this immediately and banks sent him new credit cards. He never received his new Chase card, as well as lost his old one. XXXX/XXXX/XXXX : someone deposited {$2800.00} in our account with a fake check, at the same time withdrawing {$500.00} XXXX/XXXX/XXXX : this person tried to withdrawal {$4100.00}, {$3800.00}, as well as {$800.00} ( transfer ) from our account from various Chase branches through the XXXX area. These amounts went through even though my husband and I do not ever withdraw large amounts from our account, only using it for automatic payment of credit cards. We noticed these suspicious activities and one bank branch did as well, froze our accounts. All through these deposits and withdrawals NO ALERTS were given or notification of suspicious activity to us, even though these activities were clearly irregular. XXXX/XXXX/XXXX : my husband and I went to the Chase branch XXXX XXXX XXXX XXXX, XXXX XXXX to address these fraudulent activities. We spent 4 hours there opening a new account transferring our money over ; and filing paper work regarding the fraudulent activities. Over the course of XXXX and XXXX our money was credited entirely back to us. On XXXX XXXX Chase took back the {$800.00}, and XXXX XXXX Chase took back {$500.00}. After repeated visits to the bank, we escalated this to their Headquarters. My husband after multiple emails with the Headquarters people, they are refusing to give us our money back based on some small paperwork detail from the initial XXXX visit. They are saying that 'we said we did not receive the new chase card, but it was activated some how '. Again, we never received the card. We do n't even know which card, old or new was used for these CLEARLY fraudulent activities. Chase can not tell us either which card was used. I just want my money back, the {$500.00} and the {$800.00} which they are refusing to return. The larger amounts are apparently 'safe ' as they are FDIC insured. We are going to leave Chase and also file a small claims or get our attorneys involved.

Company response to consumer: Closed with explanation