vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-10 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: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I have been with American Express since 2008. I received an offer in my AMEX app for XXXX bonus points when you sign up for the XXXX XXXX and spend {$6000.00} in the first 3 months. I applied for the card solely due to this promotion as I have a XXXX XXXX XXXX card that I love and did not need another card with a XXXX XXXX  year fee. I received the XXXX card and spent well in excess of the {$6000.00} required. However, American Express only applied XXXX points to my account and refuses to apply the remaining XXXX that I am owed. I spent weeks working with American Express to try and fix the issue and they refuse to honor the original agreement that I applied to. XXXX of their representatives even admitted that it was changed after the fact from XXXX points to XXXX points. I used to be a loyal American Express customer and now will do everything possible to avoid that company. This was an illegal bait and switch, plain and simple.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Problem with personal statement of dispute
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
I just received notification of a 30 day late payment on my credit report. I helped out my daughter with getting a car, and I co-signed for her, and she was 30 days late. My issue is the company took XXXX points off of my credit for a 30 day late. This is beyond crazy, and overexert authority of this company. I understand XXXX maybe XXXX points for my daughter not paying on time, but almost XXXX points. I strongly disagree.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

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 2023-02-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I was received an emailed about my information being in the XXXX data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below : XXXX XXXX XXXX XXXX XXXXXXXX... 
XXXX XXXX  - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

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 2023-02-10 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: IL

Complaint narrative:
I was received an emailed about my information being in the Equifax data hack so I pulled my credit reports and found there were multiple accounts that are inaccurate and should not be on my credit report. I understand mistakes happen but this needs to be fixed expeditiously because these accounts are damaging to my credit report and I dont have the luxury to just wait around and let the problem fix itself by your agency. Under 15 U.S. Code 1681e ( b ) ACCURACY OF REPORT : Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

I know that under 15 U.S. Code 1681i ( a ) ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if after any
reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. If you are unable to provide me a copy of verifiable proof within 15 days after your investigation, you must remove the accounts and or the information listed below XXXX XXXX XXXX XXXX XXXX XXXX... 
XXXX XXXX  - XXXX... 
XXXX XXXX XXXX - XXXX... 

I have attached a copy of my ID for identity verification and a bill for address verification.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX I applied for Autograph credit card with Wells Fargo. Ive been their customer since 2016 but they still asked to verify my Id by Mail of Fax. They wouldnt verify identity by email. On XX/XX/XXXX I sent XXXX bank statements and copy of DL by Fax to XXXX. They never received it and never checked on me to see whats happening with my application. I demand to verify my identity through app or email or compensate me hard credit check. My application number is XXXX. I regret opening credit card with them!

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 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
APR rates 23.49 % are unreasonable, too high, I am requesting well Fargo to lower the APR rates of 23.49 % by 35 % reasons as follows I am a wheelchair bound, physically impaired senior citizen, and XXXX recipient on low fixed income, APR rates of 23.49 % is beyond my budget.. 

I should not have to sacrifice my human needs to pay these unreasonable interest rates Removal of late fee charged XX/XX/2023 I was charged a late fee of {$29.00} on XX/XX/2023 I have never been late on payment for the past seven years!

I am disputing the balances {$2800.00} subjected to high interest rates of 23.49 % are incorrect, I have no access to my credit card statements beyond two years, I believe this balance of {$2800.00} which is subjected to high interest rates of 23.49 % is exaggerated by Wells Fargo Min payment of {$110.00} The min payment of {$110.00} is beyond my XXXX fixed income

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 2023-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I was scammed by a fake remote job position. They ( scammers ) sent me a check to deposit ( which I printed ) and XXXX deposited on my mobile wells fargo account. Later on, wells fargo posts the XXXX in my account as available. Thats when I XXXX  the scammers back the same amount for them to bug me a laptop, and different softwares ( I have screenshots and a statement of the real company identifying the post as a scam and that XXXX more people had called about the same fake online job. Furthermore, Wells fargo retires the amount of the check from my account and I am left with minus XXXX dollars. They send en email saying that because of quality issues the check wont go through. I talk to the scammer and realize it was a scam. 

I called wells fargo and eas told that I would get my moeny back in about 9-10 days. 17 days later I call to see whats going on, they inform me that my case was closed 4 days after and I opened my claim and was NOT notified about it. I reopened the claim, because I used XXXX for them is not fraude, but they tood me I would have my money back and did not inform me about closing my case. 

LATER ON, more than 3 weeks later the scammers are able to hack my wells fargo account and send themselves 2k more than five times ( only one went through ), I was not notified of any suspicious activity and had to close my account and open a new one as well as change of XXXX and XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. i feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Mr. Cooper Group Inc.
State: NC

Complaint narrative:
XXXX and I are both service-connected XXXX Vets and he and his wife XXXX are under contract on a more accessible house that will improve XXXX daily quality of life. I have made an offer to purchase their current home via loan assumption and a cash payment to cover the remaining equity theyve built in the home. VA Loans allow for these assumptions, and the current servicer, Mr. Cooper ( formerly Nationstar ), assured XXXX and I that this process could be completed timely, within the bounds of a traditional real-estate-close schedule. We received these assurances verbally before we signed our sale/purchase agreement. After signing, we immediately reached out to Mr. Cooper with the sales contract and initiated the assumption process. 

We completed all documents they requested, and provided those, along with any documents we anticipated they would require, within 1.5 business days. Mr. Cooper then told us that this process would take XXXX to 6 months. Each time we speak with someone at Mr. Cooper, the number we are given changes once we were told 30 days, the next time 60 days, another time 45 days, and so on. The most recent interaction I had with them was today, and they landed on 4 to 6 months as the estimated time to complete the assumption. I also had XXXX XXXX XXXX from XXXX XXXX XXXX XXXX XXXX on the phone with them today. He was taken aback by the  notion that it would take XXXX XXXXr 4 to 6 times longer to only run credit and order an appraisal than it would to do both of those things AND fund a loan, as they do with new retail loans. 

XXXX XXXX states that they do not have a way to transfer us to the Assumptions team to speak with someone who can give us any sense of whether the paperwork we submitted was complete, what the next steps are, or any realistic time frame. The XXXX XXXX agents weve spoken to have requested internally that the Assumptions team reach out to us directly, but we have not received any calls or emails in response. 

Given the way South Carolina 's real estate laws work regarding XXXX money, both XXXX and I stand to lose thousands if our deal falls apart, as it would cause his other deal to fall apart as well. Worse, however, is that XXXX and XXXX will have restart their sale and search processes and prolong the time spent in a home not well suited to XXXX needs. We are desperately seeking a timely solution for this issue.

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 2023-02-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: VW Credit
State: FL

Complaint narrative:
On XX/XX/XXXX, I purchased my leased XXXX XXXX XXXX. At this time, I was not advised that my Auto-Pay would be turned off and that I would need to reset all my banking information. Over the last three months I've been under the impression that my payments were being made automatically. I did not receive an email because my paperless settings were also removed. Over the last three months I have been traveling between the New York, XXXX, XXXX, and Colorado and did not receive letters. XXXX did not call me to advise that a payment was due. 

This morning I received an email from the Credit Bureau advising I had missed a payment. I was completely shocked to see that it was XXXX. I went online and saw I was {$1400.00} past due and paid IN FULL IMMEDIATELY. At this time, the XXXX website is still not allowing me enroll into autopay. 

I called XXXX and they advised that since I went from a lease to a purchased vehicle I needed to have reset all my payment information. I had no idea that this was the case. If you look at my credit history, you will see I've never missed a payment in my life. I'm devastated that this happened and would like something corrected as soon as possible, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: OK

Complaint narrative:
Mohela is slow walking updating eligible payment data and pslf forgiveness. They say to alot up to 90 days... Working on 100+ with not even an update on qualified payment info and delay in handling the application. They say they are overwhelmed. That so, they need to hire some help. This is ridiculous. If they can't handle it, then give it to someone else to handle. Never had a delay like this at the previous servicer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I needed to make a large purchase to pay an IRS tax bill that was unexpected. I signed up for a My Best Buy Visa Card which had a promotion that for 18 months there was 0 % interest. In order to pay for this charge I had that was substantial, I called their customer service. I was told on XX/XX/XXXX at XXXX XXXX  during a call to customer service ( call duration 15 mins 18 seconds ), that it would also qualify for 0 % interest. The only reason we made this purchase was because we were told that it would qualify. 

I also had to pay an additional 3 % in order to make this large purchase due to credit card fees from the IRS. We would never have done this if we weren't told by the representative that it would qualify for the 0 % interest promotion. 

I realized this happened on XX/XX/XXXX, XXXX XXXX, and spoke with their billing fee dispute department. They promised me that they would review the recorded call from that day. I was told the process to review recorded calls can take a significant amount of time, so I waited patiently. 

To avoid accruing further interest, we paid off the balance that was causing the interest charges, and only didn't pay the interest fees assessed to our account. 

Our final interaction was on XX/XX/XXXX when I had not been contacted by Citi or Best Buy. I called at XXXX XXXX  on XX/XX/XXXX and was told that they can not comment further but that they were not going to adjust or credit the account for any of these false charges. 

I paid the remaining balance accruing interest on XX/XX/XXXX. I truly hope that there is some sort of protection for people who are abused and lied to by credit card companies. What I was told and promised on the phone by a Citi representative was false, I had to pay these interest charges, and would like to be reimbursed for all fees/interest.

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 2023-02-10 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: Concord Servicing Corporation
State: GA

Complaint narrative:
XXXX I was notified creditor-Concord Servicing report 30 day late in XX/XX/XXXX to credit bureaus. I contacted Concord to get this resolved for several days from XXXXtoday XX/XX/XXXX and submitted a dispute to XXXX on XXXX and to XXXX on XX/XX/XXXX. 

It is very difficult to speak with someone at Concord on the mgmt team, resolutions team and the US corporate office. I have only spoken with customer service located in XXXX. I have sent several emails to resolutions team however there is no ph # to speak with a human. 


My acct was paid several months ahead periodically, the account has never been late. 

I received an email from resolutions on XX/XX/XXXX indicating the correction would be submitted to the bureaus XXXX. 

XXXX I emailed Concord Resolutions Dept to get a status on the correction. 
I then contacted XXXX and was advised a Concord Representative, XXXX, verified the accuracy of the late pmt on the account on XXXX. I completed a conference call with XXXX XXXX XXXX XXXX and Concord Customer Service XXXX XXXX XXXX indicated that he would contact a supv and get back with me. XXXX has indicated that the creditor has the ability to update the account electronically and update on their end same day. 

XXXX never showed the Concord account as reporting, however I rec 'd notification on XX/XX/XXXX the acct reported late in XXXX. XXXX has not received any correction request from Concord XXXX Concord Resolutions Dept responded back indicating that the correction was submitted on XXXX. I responded back indicating the conversation that I had yesterday with XXXX and Concord Customer Service Rep and that I need to speak with a supervisor. I called Concord and there is no other ph # than the one that transfers you to a Customer Service Rep in XXXX who can not assist with this matter. This is not acceptable to have a US based company however can only speak with CSR in XXXX and unable to speak with anyone with authority to resolve the issue. 

XXXX is showing my dispute still in process This has caused my credit scores to drop significantly and causing stress and financial hardship. Also, I did not give this creditor authorization to report this account nor transaction history to my consumer report based on USC 15 1681, USC 15 1666b

Company response to consumer: Closed with explanation