vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-27 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: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I received notification from a law enforcement agency that my name and personal information was discovered as being fraudulently traded, and that I should pull a credit report and place a credit freeze immediately with all three agencies. I was able to easily place a freeze on my credit with XXXX   and XXXX, but Experian is making it impossible to do so. The online system says it will not verify me, and the phone system says the same thing. There is not any customer service number at which I can speak to a person or any system where I can go through steps to prove my identity so that I can place a freeze. Both the phone and online systems just tell me that I should communicate with them by mail regarding my issues and give my an address in Texas at which I should mail them a letter. Again, all I want to do is place a freeze on my credit to prevent fraud given the apparent compromise of my personal information. The other agencies made this a quick and easy process, Experian has made it impossible.

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BMO BANK NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I opened an account with BMO that came with a {$300.00} bonus if certain terms were met. I completed these terms ( as confirmed by company representatives, received 3 dates that the bonus was supposed to post by, and it still has not posted ). I no longer trust what the company representatives say, so this is my best resort. I've basically been lied to at least twice ( bonus will post by xx, it didn't ).

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 2019-08-27 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, I sent {$500.00} to someone that I spoke with over the phone who ended up being a scam artist via the XXXX app through Wells Fargo. This was my first time using the online money transfer method, and I thought that because it was advertised within my banking app, that there would be an element of protection available. When the person who received my money stopped responding, I immediately placed a call to my bank to try and cancel the money transfer and submitted a claim the same day. When I submitted the claim, the agent said someone else would call me when my claim would be assigned to gather more information. No one contacted me. I received a letter in the mail saying that there was no error on the banks part and I would not be able to have any protection or refund for my transaction. It is very disappointing as a long time customer of Wells Fargo that the bank would promote an app that ( as I researched ) many scammers are now using. There is no warning of this on the site and I think there should be either a scammer warning, or these banks should partner with an app that has more financial protection ( like XXXX ). The false sense of protection that XXXX gives bank customers by being directly linked to the bank is detrimental- the scam artist even milked this sense of protection to me over the phone. Please let me know what further steps I can take to receive a refund and hopefully protect others from encountering the same scam as mine. Currently, I reopened my claim in hopes of a different outcome.

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 2019-08-27 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Please note, I did have owe Macys charge card a balance of {$310.00}. It went into default. They sold it to collections. A company called XXXX XXXX  called me to collect the debt. I paid it in full. I was told it would be removed from my credit report if I paid in full. It was never removed. 

On my credit report it shows balance updated on XX/XX/XXXX. Opened in XX/XX/XXXX. Charged off on XX/XX/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 2019-08-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: MN

Complaint narrative:
I am currently in the Public Service Loan Forgiveness Program ( PSLF ). I learned after initially submitting my employment certification form that the numbers of qualifying payments varied drastically between my loans, despite the fact that I have always paid all of the loans together. I initially brought up this issue more than 3 years ago and there still has been no resolution. 

When I first discovered the problem I called and was told to submit some sort of appeal which I was told takes 6 months because it has to go to the Department of Education. After longer than 6 months I received the results stating my qualifying payment totals remained the same. I called again and was told this time that maybe the problem was that my loans were on something called " paid ahead status. '' They said they would take off this status and then I would have to resubmit. Again after longer than 6 months after submitting again the qualifying payment totals were incorrect. 

I called again ( XX/XX/XXXX ). I talked to one employee who initially said the review was done incorrectly. I then asked to talk to their supervisor due to it having been years since I started this process. I then talked to XXXX ( employee ID : XXXX ) who said that he manually checked some of my loans and agreed the payment counts were incorrect. He said the old tracking system had problems and had been updated and he would try to escalate the case for higher priority review. 

I still have not had resolution of this problem or heard back about a third review. I have three supporting documents attached : 1. List of qualifying payment totals for each of my loans as of XX/XX/XXXX. ( This is when I had employment certified up to XX/XX/XXXX. I have since certified up to XX/XX/XXXX and of course made more payments. However this illustrates the main problem of the variable total of qualifying payments : totals vary from 9 to 45. As you can see below the total should be 49 for all loans as of the time of this letter ) 2. History of payments  under XXXX ( this totals 36 payments ) 3. History of payments under Fedloan ( 13 done prior to XX/XX/XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
BestBuy CitiBank card has been billing me for Enhanced Debt Protection. I don't know what Enhanced Debt Protection is.  There is no information on the website or through XXXX search. They gave me a wrong phone number when I called and the same wrong number in an e-mail. E-mail replies directed me to a webpage that was out of service on multiple occasions. I finally got a reply on their site that says I enabled this in XX/XX/XXXX, it is now XX/XX/XXXX. They say since my account was protected by the benefits I can not get a refund for any of the months they billed me including the last month.

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 2019-08-27 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: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
Please note, I did have owe XXXX charge card a balance of {$310.00}. It went into default. They sold it to collections. A company called Midland collections called me to collect the debt. I paid it in full. I was told it would be removed from my credit report if I paid in full. It was never removed. 

On my credit report it shows balance updated on XX/XX/XXXX. Opened in XX/XX/XXXX. Charged off on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: CA

Complaint narrative:
I am requesting that American Express honor the XXXX XXXX XXXX  sign up bonus for spending {$3000.00} in 3 months that was advertised when I signed up for this credit card. I spent over {$3000.00} in a month. I was told I was denied this sign up bonus due to opening and closing too many AMEX cards. That is absolutely incorrect as I only have 2 credit cards from American Express, both which are still active. I have credit cards from different issuers and use them depending on the situation ( travel card for travel expenses ). I have not and had no intention of closing these credit cards. I have spoken to representatives on the phone who said a " popup '' should have appeared when I applied for the card which would have told me I would not be eligible for this sign up bonus. A popup did NOT pop up stating so and if it did, I would not have submitted the application. This is a classic case of bait and switch and is false advertisement.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NM

Complaint narrative:
XXXX XXXX Equifax XXXX  are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: NM

Complaint narrative:
Trans Union XXXX XXXX are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2019-08-27 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: NM

Complaint narrative:
XXXX XXXX XXXX Experian are not responding to any of my requests to investigate, verify and remove fraudulent/unauthorized inquiries from my credit report/file.

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 2019-08-27 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: TX

Complaint narrative:
I have sent XXXX XXXX and Equifax all my documents that they ask for to show that I had fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pittenger Law Group, LLC.
State: MO

Complaint narrative:
The company XXXX that I am a principal of had some difficult times. I understand the bill owed to XXXX XXXX is valid ; however, I am a guarantee on the account XXXX ( XXXX ). Acct placed with a law firm in XXXX XXXX ( Pittenger ). Paid balance XX/XX/XXXX. Processor server served my wife XX/XX/2019. She is not on the account or part of the business. Called XXXX XXXX and they referred me to a number XXXX XXXX XXXX - they were closed. Before that when I call XXXX XXXX and put in acct number it refers me to XXXX and hangs up. Went on chat and the rep and manager keeps telling me to call the XXXX because the acct has a XXXX balance. I asked why I need to tell the collection/law firm - when XXXX XXXX knows I paid the balance. I have a court date for XX/XX/2019 this bill that has a XXXX balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
I have sent Trans Union and XXXX all my documents that they ask for to show that I had fraud.

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 2019-08-27 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
I paid my XXXX XXXX  XXXX  in full using a credit card. For some reason when I tried to make a payment through my bank account it didn't successfully make a payment. I was charged a {$27.00} return fee by Comenity Bank. I called to find out what happened since I paid my balance using a credit card. A customer care representative told me that the return fee was removed from my account. I received another statement in the mail with the {$27.00} fee plus late fees. I called again to find out why I still had a fee and a different customer service representative told me that they could never remove a return fee. I disputed this fee and they just wouldn't remove it like the first customer care representative promised me. I paid the {$27.00} fee with a little late fee payment of some sort. I just want consumers to be aware that this bank wants to make money by charging consumers fees. I canceled all of my credit card accounts with Comenity Bank and I will never open another card with them in my lifetime.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: KY

Complaint narrative:
I have contacted this company numerous times informing them that I am a victim of identity theft. Not only did I request a Fraud Alert to be placed on all 3 credit reports, but I also froze my credit reports, filed a complaint with the Federal Trade Commission and Filed a police report. I sent them copies of all of this. I received a generic response each time saying that the debt was validated. This is impossible. So now, I am writing to request the method of verification for this item : XXXX - XXXX   XXXX  - Opened XX/XX/17 - {$22000.00} Balance

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I tried tonight Monday XX/XX/2019 since XXXX XXXX ( ET ) to experian customer support number XXXX and put all information they ask before talk to live agent but unable to reached, then I tried XXXX and put all information over the phone SSn, Birthdate, numeric street number but again no option for live agent, then i tried another number XXXX and same thing before put all the information but same outcome as before, then I tried another number XXXX no answer then I tried another number XXXX and put all information but unable to contact live representative. their customer service information according to there website I got this message : We have encountered an irrecoverable system error. Please note that your order has been canceled. Sorry about the inconvenience. 

Call us toll-free at XXXX Hours of operation : Mon - Fri : XXXX XXXX  to XXXX XXXX  PT Sat - Sun : XXXX XXXX to XXXX XXXX  PT   According to Pacific time right now XXXX XXXX ( PT ) and My time is XXXX ( ET ) why live representative not available and no option to speak representative any their phone number, I reset my passward and user ID but can not log in their member website so i can order there products.

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 2019-08-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Viewed my credit file with Transunion in reference to XXXX ( XXXX ) on XX/XX/19 and is showing incomplete/missing account number

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 2019-08-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BBVA FINANCIAL CORPORATION
State: MN

Complaint narrative:
Despite plenty of funds available, Simple  suddenly froze my account without ever informing me and has ignored all messages and phone calls requesting an explanation or status update for 26 days now. 

On XX/XX/2019, I received an email from XXXX titled " XXXX XXXX secure email message from Simple ''. Because the domain name XXXX did not align with the domain for the Simple Finance checking account I have ( simple.com ), I suspected it to be a phishing scam. Nevertheless, I logged into my Simple shared account and found no notification whatsoever that there was any secure message waiting for me. So I ignored the email. 

In the following days, I realized that I could no longer use the remote check deposit feature of my Simple  shared account but thought that maybe it was a temporary issue. On XX/XX/2019, I raised this issue via Simple 's in-app support messaging.

XX/XX/2019, a scheduled transfer from my business checking account to my Simple shared account resulted in an error. Also on XX/XX/2019, I received a reply to my support message that directed me back to the secure email message.

So I went back and found the secure message, which asked me to verify my identity ( even though I already verified my identity when opening the account ) via color photos of my Social Security card, government ID and bank statements from a linked external account. I responded with those documents on XX/XX/2019, but I have never received a reply. I also called Simple by phone that day and was told I would receive a timely reply.

On XX/XX/2019, a transfer from my Simple shared account to a trading account of mine was reversed, generating a {$9.00} fee.

Also on XX/XX/2019, an automatic debit from my Simple shared account by my Internet provider was returned, generating a {$30.00} fee.

So I sent a follow-up reply to the secure message on XX/XX/2019. I have never received a reply. I also called Simple again on XX/XX/XXXX, and the customer service representative confirmed that my secure message had been received. I was told I would receive a timely reply. 

After calling numerous other financial institutions to cancel or change automatic debits or payments, I called Simple  a third time on XX/XX/2019 The customer service representative provided no information except to again confirm that my secure message had been received and reassure me that I would soon hear back. 

It is now XX/XX/2019, and there has been absolutely no response to my repeated requests for a status update and explanation. My account remains frozen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-08-27 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: TX

Complaint narrative:
I have sent the credit bureaus all the proper documents to show that i have been a victim of fraud. I have also call each bureaus and have spoke to the fraud department and was told that the accounts was going to be remove.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-27 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: WESTSTAR MORTGAGE CORPORATION
State: AZ

Complaint narrative:
XXXX, 2019, Mortgage servicer sent letter declaring that it had unilaterally raised servicing fees by 30 % and that such change would take effect beginning with XX/XX/XXXX payment. Payment in full, including extra servicing fees, timely paid by borrower ( me ) both for XXXX and XXXX. XX/XX/2019, qualified written request letter under Section 6 of RESPA sent to servicer via U.S. Mail. More than 20 business days have transpired without written acknowledgment of my request as required under RESPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-27 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: MO

Complaint narrative:
The following accounts are being disputed due to identity theft and for that reason I'll like for the credit reporting agencies to remove these unauthorized accounts immediately. 

Please remove. 

1 ) XXXX XXXX XXXX {$150.00} 2 ) XXXX XXXX  {$550.00}

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