vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: M&T BANK CORPORATION
State: NV

Complaint narrative:
I have been trying to transfer/close my account with M & T bank for a week and they keep declining my transfers. I messaged them and they wouldn't provide any details. I tried to call but the person I talked to was no help and gave very vague answers. I want to transfer my money and close my account with them. Too many hoops to jump through with this bank.

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 2019-01-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
On XX/XX/19, I received a total of 38 calls on my mobile number, along with 24 calls to my familys my members home phone number, and they had repeated told comenity that I was not living there yet repeatedly called. They also were very rude and gave them my personal info. In regards what the matter was for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I already created a previous complained over the CFPB ( ID : XXXX ) in their reply they said they would send me a paper copy of my credit score and that if I beliefe information on it to be inaccurate I should mention the specific dispute.

In the " credit report '' they sent me ( Dispute results Report # XXXX ) instead of giving me a credit score or asking for documentation that might help them determine one they just said that they were unable to calculate and provide me with a credit score.

Just to be clear the information I beliefe to be inaccurate is the entire " credit report '' I got mailed, since it did not contain any actual credit score.

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 2019-01-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
My home caught fire XX/XX/17 and the insurance company paid for the fire the insurance put the check in my name and the mortgage company name, I am 85 % done with repairs SPS is holding on to the reminder of the funds and I cant get done with my property until they release the reminder of the funds, they are tying to keep the balance. but with out the reminder I cant finish the property repairs. they are even trying to get the inspector to lie and say things that are not true they are stealing my funds, I have filed before and your agency is not helpful, you need to make them show proof of them no releaseing the balance of my funds in the matter. I need for the management of your company to follow through on this matter. because they are stealing my insurance money so I cant finish my property.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I have been a chase customer for over 10 years. I had 2 credit cards with chase, a Slate card that I had for 10 years and a Sapphire card that I recently received in XX/XX/2018. In XX/XX/2018 I submitted multiple applications for chase cards that I took interest in to help built my credit score and profile. At the time I only had my Chase Slate account reporting on my credit. Shortly after that I found out that Chase cancelled both of my account and when speaking to a representative of chase they told me they cancelled them due to me applying for multiple applications and due to they noticed an increase in spending on my account. I was confused by that comment because my Chase Slate card was paid off and for my Sapphire card I was only spending 17 percent on my credit limit. I found out my Sapphire card was closed when I tried to purchase an educational course and was declined. I really Love chase and I was very happy to be a customer of theirs. I was very sad to see that my accounts were close after 10 years. And due to that my credit profile has really taken a hit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
Date : XX/XX/2019 I got a card from Equifax, stating that " within the last twelve months we have received eight or more inquiries for your credit file. '' It also says that Colorado law requires them to provide me with a disclosure copy of my credit file when this happens. It give a toll-free number to call ( XXXX ) to get it.

So I call the number, and spend a bunch of time pressing 1 for this and 2 for that, just for them to refer me to a web site ( www.equifax.com/FCRA ). They COULD have saved me a bunch of time by printing the web address on the card, but instead they make me waste a bunch of time on the phone just to get it.

So I go to the web site, spend another bunch of time filling out the form. One of the items is Reason For Credit File Request. There are 8 choices, and none of them seem to apply to my situation, so I have to just pick one to proceed. I pass the challenge questions, then I get : " At this time we are unable to deliver your credit file online. You may call us to request your credit file be sent to you by contacting us at XXXX. '' So I call that number, and get the same automated voice response system that I got with the first number!

A total run-around. I'm entitled to a copy of my report, and they waste a bunch of my time just to not give it to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: VALLEY NATIONAL BANCORP
State: FL

Complaint narrative:
On Monday, XX/XX/2018, I applied for a Valley National Bank Premier Checking account which was offering a {$200.00} bonus for just opening the account with direct deposit.

I was approved and my {$100.00} initial deposit was successfully processed at the end of that week.

Few days later, after a {$100.00} ACH direct deposit from another bank posted, I got the {$200.00} advertised bonus.

Then, I withdrew all the money except {$100.00} to keep the account fee free. So, my balance of the end of XX/XX/2018 was {$100.00}.

On XX/XX/2018, Valley National Bank drained my Premier Checking account without any notification at all.

On Monday, XX/XX/2018, I noticed the Premier Checking account has no funds. The automated Valley National Bank withdrawal transaction description was REWARDS CREDITED IN ERROR. I went to the Valley National Bank XXXX  Branch that day and even though I showed screen shots with the web site offer wording, the bank officer told me a recurring qualifying monthly direct deposit of {$1000.00} or more within 90 days was required to receive the {$200.00} cash reward.

Due to the unexpected Valley National Bank reward credit reversal, the account balance was under the {$100.00} minimum required balance for several days and I would be hit with a $ XXXX  monthly maintenance fee if the account remained open by the next statement date Tuesday, XX/XX/2018.

Valley National Bank advertised offer wording was clearly misleading but the way they handled the reward credit reversal was even worse. So, I decided to close the account on Monday, XX/XX/2018.

On XX/XX/2018, I got an e-mail from Valley National Bank in which they recognized the original advertised offer was erroneous and a clear explanation of the {$200.00} bonus requirements was attached. Valley National Bank also offered me to reopen the account so I can get the {$200.00} bonus by meeting the new offer requirements.

Since I was not sure if Valley National Bank will report the cash bonus correctly to the IRS, I decided to wait until I receive their XX/XX/2018XXXX form.

On XX/XX/2019, my suspicion was confirmed when Valley National Bank sent an erroneous XX/XX/2018 XXXX form. They reported the full {$200.00} bonus to the IRS.

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 2019-01-23 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: CITIBANK, N.A.
State: PA

Complaint narrative:
XXXX XXXX there is no balance owed on this account

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 2019-01-23 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: REGIONS FINANCIAL CORPORATION
State: MO

Complaint narrative:
My credit report was pulled without my consent with this company and I requested for it to be removed. I know I dont recall authorizing this inquiry and I do understand that they shouldnt be allowed to put an inquiry on my file unless I authorize it. This is infact causing damage to my credit. I didnt sign anything giving them any permission to pull my credit nor did they tell me they were going to pull my credit and nor did I authorize them to.

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 2019-01-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Equifax issued a fraud alert ( 1year ) for my account stating that i requested one be placed. I have never requested such, and since the letter states that " I REQUESTED IT '' I would like to see a copy of this letter, date it was sent etc. If Equifax is forging/falsifying information i will pursue it as such.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-23 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: MI

Complaint narrative:
Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??

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 2019-01-23 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: MI

Complaint narrative:
Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-23 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: MI

Complaint narrative:
Under the law, I am protected. The bureaus can not have information on my credit report that can not be 100 % correct, 100 % validated, original contract with signature proven/on file. This is under the FCRA, FDCP. In addition, I am entitled to {$1000.00} PER offense, PER bureau for defamation of character and then some.

Attached you will find letters I received asking the company to VALIDATE that I have an account with them by sending me a copy of the ORIGINAL CONTRACT BEARING MY SIGNATURE. If they claim the account was requested via the INTERNET, I requested a copy of the video surveillance showing ME filling out the application. If the account was requested by phone, I requested a recording of the phone call. In each letter from the company the state : " WE DO NOT HAVE A PHYSICAL COPY BEARING YOUR SIGNATURE '', " WE 'BELIEVE ' this account was established by YOU. '' Excuse me?? This is not VALIDATION. This is NOT proof that I have an account with you. Some claim they received payments during the time the account was opened. Still no proof. STATEMENTS ARE NOT PROOF OF VALIDATION.

I want these accounts immediately removed from ALL BUREAUS. If the company itself has no proof they can validate that " I '' have an account with them, then the bureaus are also lying and reporting falsely because I hold the document that will prove to a judge in a courthouse, in my venue, that neither the original debtor, the bureau, or XXXX XXXX, XXXX XXXX, ANY collection/third party holds a contract with me. Electronically : no video. Physically : no signature contract. By Phone : no recording of me requesting account. SO TELL ME : HOW IS THIS VERIFIED OR VALIDATED??

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 2019-01-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I accidentally deposit a personal check from another account with XXXX XXXX ( my  own personal account ) for {$500.00} only. I used the wrong checkbook from the wrong account. I call immediately to the bank to report the issue and then I went to the bank to let them know. The branch rep told me to wait until the transaction was posted. The fraud department decided to suspended my account without having any access to it. A week after ; I still can not access to my account, online, app anything and the fraud department still investigating that XXXX  transaction. I called this department 3 times and a very rude staff from overseas hang up the call on me. I have my direct deposit coming in tomorrow and they said that I can not access to my own money until the XXXX  I am so frustrated!! Help me please!!

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 2019-01-23 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: SD

Complaint narrative:
I submitted a dispute about 3 names that I never used. Experian deleted two of them but left one of them in tact on my credit report. Probably so some illegal immigrant can use a copy of my credit report that is up to a year old and a fake id and social security card from XXXX XXXX. in the City of XXXX XXXX to secure credit on a secondary market.

I had to contact the Consumer Financial Protection Bureau to get Experian to delete the first two names and also consolidate several different formatting of the same address into one address.

I had previously noticed that one of my employers was listed twice and upon looking closer, I noticed it is a fraudulent misspelling. My employer is based out of XXXX, WY and I noticed a similar name had been registered in Texas which I was disputing with Federal Regulators since I am an XXXX  of that company.

Experian also has 3 phone numbers which do not belong to me on my credit report which it did not remove.

In addition to the fraudulent " aliases '' and the fraudulent name of my employer and the 3 phone numbers which do not belong to me, Experian refuses to remove old addresses. Some of them are my old addresses and it is my understanding credit reporting companies have to honor deletion of old addresses as long as you have had the same address for at least 2 years. They are refusing to do this.

The most frustrating part is that one of the addresses which I never lived at was provided by XXXX. I had a XXXX  account from XX/XX/XXXX to XX/XX/XXXX and closed it in XX/XX/XXXXbecause it never showed up on my credit report and it was marketed as a way for me to build credit. It was always paid in full.

XXXX  first reported to Experian in XX/XX/XXXX. 5 years after the account was closed and apparently with a wrong address.

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 2019-01-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo Bank has denied inaccurate tax payments, but they have yet to send a statement showing that due to the Property Tax Over Payments, there are no property taxes owed. This is just another example of the ineptitude of Wells Fargo Bank Home Mortgage. They are still missing XXXX payment history and payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. They insist that the loan is not paid full but can not show the same amount owed in any of their records. Their record keeping is not accurate. The interest on the loan is wrong. They claim {$7000.00} in interest, but only report {$100.00} to the IRS. The IRS needs to do an investigation into Wells Fargo Bank Home mortgage. Again, another Wells Fargo Bank employee was convicted of giving out mortgage loan account numbers. This is an ongoing problem with Wells Fargo Bank. Wells Fargo Bank employee gave my mortgage loan account information to a known mortgage fraud criminal at the XXXX, TX location and Wells Fargo Bank has done nothing to correct this matter. Wells Fargo Bank, XXXX, TX location gave out loans using my mortgage as collateral and insists that I am responsible for this criminal activity. Wells Fargo needs to correct their records and give me my deed, if they can find it, immediately. The mortgage loan is paid in full.

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 2019-01-23 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: IL

Complaint narrative:
This company continues to report an unauthorized account. Ive sent debt validation letters, Ive disputed this and somehow this account is continually verified as accurate. The only thing Ive recieved from these people is a photocopied bill. Nothing with a signature, nothing that shows proof that I own this debt. I want this unverified account removed from both my XXXX  and XXXX report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation