vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I got a letter in the mail from WellsFargo in XX/XX/XXXX stating that my mortgage payment was going to go up because my account was short {$2200.00} they said that it was due to my taxes and insurance going up which didn't make any sense. I Immediately started talking to them, to XXXX Insurance company for doubling my insurance premium without consent AND to the XXXX XXXX County assessor 's office so I thought this issue was resolved as of XX/XX/XXXX. The assessor stated that my taxes would increase annually at a rate of 2 % which in this year translated to {$19.00} and the insurance situation with XXXX was resolved by cancelling their services and going with another provider. In XXXX I got another statement from WellsFargo stating that my escrow account was short {$730.00} and yet another statement dated XX/XX/XXXX stating that my payment had gone from {$760.00} from previous years to {$1900.00} due in the month of XXXX WHICH I CAN NOT AFFORD!!!!! AND THIS IS A FIXED LOAN!!! I tried on XX/XX/XXXX to fix the problem again and they told me that I had to call the 1st insurance provider ( XXXX ) to get a refund because they had paid my new insurance company and the old insurance company which created the deficiency!!!! I NEED ASSISTANCE WITH THIS MATTER IN INVESTIGATING WHY THEIR ESCROW DEPARTMENT IS DOING THIS. I had cancelled the initial premium with the insurance department in their institution and with XXXX in XXXX WHY WOULD THEY turn around and pay them!!! I HAVE OWNED THIS HOME SINCE XXXX AND HAD NEVER HAD A PROBLEM LIKE THIS UNTIL WELLSFARGO TOOK OVER.

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 2019-05-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: CA

Complaint narrative:
I attempted to make a payment of {$9300.00} on XX/XX/XXXX to my XXXX student loan servicer, NelNet. I received a confirmation that this payment went through on XX/XX/XXXX. In addition to paying them this sum, I have an automatic payment set-up for {$250.00} monthly. Due to their electronic confirmation of my payment, I believed that I my outstanding balance would have been {$920.00}, then subtracting my automatic payment would have been {$670.00} Nelnet is claiming that this payment was posted to my account ( XXXX XXXX XXXX ) but then they got an electronic message from XXXX that " no bank account/ unable to locate account '' - despite me having used this bank account to make payments to this account as recently as of XXXX of last year. On XX/XX/XXXX I made a successful payment {$5000.00} using this exact same bank account. 

Nelnet put a notice on my account that it is past due, despite my good faith efforts to make payments of {$9300.00} on XX/XX/XXXX and an additional {$250.00} on XX/XX/XXXX. I should only owe {$670.00} as of today, and due to the errors of NelNet or XXXX I now owe ( after re-attempting to make a payment of {$9300.00} today ) {$760.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
XXXX 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 non-monetary relief
Consumer complaint received 2019-05-31 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: MI

Complaint narrative:
I have a fraudulent hard credit inquiry on my equifax credit report that needs to be removed. It is listed as : " XXXX XXXX-XXXX XXXX XXXX XXXX XXXX, FL '' I do not, and have never, had any XXXX services, I am not anywhere near florida or ohio, and I did not at any time authorise a credit check by XXXX. I am unable to contact XXXX, there is no phone number listed on the report. I contacted equifax, but I was told to contact XXXX and dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
The following accounts do not belong to me. I would like them removed and I want a 7 year fraud alert placed on my credit report. I have attached my etc report below. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is my second complaint to Citibank, the CFPB Case No. XXXX for the first complaint. I received a letter from XXXX XXXX an Executive Response Unit employee. My issue is that my Citibank account was locked for several hours because they said a check I had deposited for {$5000.00} was possibly fraudulent, I had to miss work and go to a bank branch to handle the issue, and it caused a big inconvenience in my end, because I had no funds to use and had to miss work without getting pay because of Citibank. I want to know what is going to be done about that from their end.

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 2019-05-31 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: DISCOVER BANK
State: NY

Complaint narrative:
On XX/XX/XXXX, I received a notice from XXXX XXXX asking if I had closed my Discover credit card account. Since my daughter was graduating from the XXXX XXXX XX/XX/XXXX to XXXX, I logged in to my Discover account online and everything appeared fine. Today, I decided to call Discover to make sure that everything is okay. The representative that I spoke with confirmed that my account was indeed closed and that a letter was mailed to me on XX/XX/XXXX asking me to do something to avoid closure of my account. I never received this letter. When I asked how this can be resolved, I was told that I needed to reapply for the card. 

1. Why didn't Discover send an email and/or text to follow-up? 
2. Why am I still able to log into my account which appears fully active and states nowhere that it is closed? 
XXXX. Why should I have to reapply for a card and put a hard inquiry on my credit score for poor customer service? 

I have this card for my daughter to use in cases of emergency. I am not happy and my account is in excellent standing with Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: NY

Complaint narrative:
I told them i would give them my bank information when i needed to make a payment. They said that would not work and they needed to keep my bank information on file so they can charge it when they needed too. Im nlt comfortable with that and would just go through another credit repair company but it seems they have some sort of monopoly with the credit companies and an unfair advantage which is why i am filling this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ITEMS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2019-05-31 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Chrysalis Holdings LLC
State: VA

Complaint narrative:
On XX/XX/2019 I viewed the website for New Day Mortgage XXXX XXXX XXXX  and in big, bold letters it states " Your VA Home Loan Benefit is worth more at NEW DAY '' XXXX XXXX   answered the phone and I asked him how it was worth more at New Day and he replied that " New Day will refinance to 100 % LTV while other lenders only go to 85 %. '' I replied that he was lying, that every lender will go to 100 % LTV, in fact more, because the funding fee is added. I told him I was sick of deceptive advertising and I was going to report the company. 

He called me back and tried to convince me her was right about the LTV. He also said they would refinance to 100 % with a XXXX credit score and no one else would do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: SUNTRUST BANKS, INC.
State: TN

Complaint narrative:
On XX/XX/2019 SunTrust Bank froze my account and put all of the money XXXX {$2100.00} XXXX into review. On the XXXX of the same month the money was removed from the account by SunTrust. We have called the bank trying to get information on what is happening, the most we have been told is that the funds in the account are in review and wont be returned to us and that they are awaiting a request from the issuing institutions to reclaim the money. They wont tell me witch institution it is or what caused the suspicion that started the review and keep telling us that we will get a letter in the mail explaining the reasons. All we have received from them is a letter telling the same non-answers we've been getting over the phone and check that we received today, XX/XX/2019 in the amount of {$1.00}. All of the funds in the account came from either an IRA account that I cashed out or from my contract work with XXXX. I have spoken with XXXX XXXX and they no information and XXXX is almost impossible to get anyone with any forum of information, regardless neither of them has any information for me. This was every penny I had to my name in this account, I am about to lose my car and am having a hard making regular bill payment as work has slacked off and I only make $ XXXX/hr. at my little XXXX XXXX and all of credit cards are now maxed out from my attempts to stay afloat.

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 2019-05-31 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: Innovis
State: NY

Complaint narrative:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: CA

Complaint narrative:
the following accounts ( student loans ) are not mine, these are not my accounts i have never inquired any student loans, i have been disputing these items but equifax has not been helpful, please find attached my police report which also has been provided to equifax few times, please have equifax remove these inaccurate student loans. 
thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
In XX/XX/2019 I deposited 2 checks and {$60.00} cash into an atm. One check for {$500.00} and the other for {$700.00}. The atm stated there was an error and couldnt deposit the checks but successfully deposited the cash. The atm did not return my checks so I went into the chase branch. The atm and branch are located in XXXX Ohio. The branch manager called to make a claim for me and I was told the cash would be cleared in 12 hrs. 17 hrs passed and the check wasnt cleared. I called back to chases claims department and they told me to wait 12 more hrs. 12 hrs later they told me to wait 1-2 business days. 2 business days later they told me I have to wait for 10 more days. I keep getting the run around and I feel like I should be Reimbursed for the time Im forced to spend without my money and all late fees I will occur after not being able to pay my bills, eat, or live in a comfortable state due to chase and their negligence. As of XX/XX/19 I have not received any of the money that would have cleared from my checks. Please contact me at XXXX or XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX, I was working at XXXX XXXX XXXX doing a laundry reset. ( i did make a purchase there for XXXX ) My phone was charging in the car so I went to go get it and noticed I had several notifications from Chase asking if I made a purchase at a gas station for XXXX. I immediately said no I called them and replied to the email. Informing them that I did not make this transaction they cancelled my card and started a claim and credited the money back the following day. XX/XX/XXXX I recieved a letter saying that they deemed the transaction authorized. And that on XX/XX/XXXX they will take the funds back out of my account. I immediately called them and the rep told me that because I could have done it because I was in the vincity of that location. I told him that from where I was it was a good XXXX minutes away and that it wasn't me. I asked if I could send proof like pictures. He said say yes. So I did. I went back to the store took pictures and recorded myself in their computer of me working, it shows my in the laundry aisle working at the time the transaction happened. Their was no way to send the video so I sent pictures. Waited about a week and half to see if they recieved it, I even called about 3 times different days to see if they got it. After they recieved it I waited about a day and called them back, he said that it was declined again. I asked why he said because I had previous history with the merchant. I advise him that I rarely if ever go to that XXXX and I havent gotten gas from them in awhile, I spoke to someone higher and all she said was the claim was denied, their is nothing they can do. I refused to give up so I contacted XXXX XX/XX/XXXX to try and get this resolved he ( XXXX XXXX ) told me to give him a couple days I waited a week so I called back he then told me to file a police report becuSe he cant look at the cameras unless he has a report. So today XX/XX/XXXX I got one I sent it to him he then messages me back 20 minutes later saying that they don't have any footage and that XXXX is unable to assist. I have tried everything and anything and I dont feel like Chase is being fair, they didnt look up proof or even try they just looked at history ad was like no she csnt get her money back. I work to hard I have 3 jobs and this is a problem. I own a car it takes roughly about XXXX XXXX to fill up

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31 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: LEXISNEXIS
State: NY

Complaint narrative:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: ID Analytics, Inc.
State: NY

Complaint narrative:
I have check my credit and realize that my identity had been stolen and accounts had been opened without my knowledge, recent data breaches has exposed my personal information, please block these items that do not belong to me, thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: ID Analytics, Inc.
State: KY

Complaint narrative:
I have called Sagestream 4 times for the past 3 weeks to put a security freeze on my consumer report with them. I always get a recording to leave a message and they will call back. It's been weeks now and they never return my call

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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: FL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND IDENTIFIED SOME INACCURATE ITEMS THAT WAS PLACED ON MY CREDIT WITHOUT MY KNOWLEDGE. THESE NEGATIVE ACCOUNTS AND INQUIRIES HAS CAUSED TREMENDOUS HARDSHIP ON MY CREDIT. PLEASE RE-INVESTIGATE THESE ITEMS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-31 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I got a new Credit Card with XXXX XXXX with a {$5000.00} credit limit. I called to request a credit limit increase to {$10000.00}, but I've got approved for {$7000.00} which I accepted. The representative told me I would see an update in the next 10 minutes. But after 40 minutes the update never happened. So I called back and the second  representative told me the reason was that my request was forwarded to a second underwriter to review it in order to get the {$10000.00} I originally requested.He said I would have to wait less than 24 hours. Next day I checked online and my credit limit was updated to {$7000.00} but I've also got three alerts from Experian with 100 %  inaccurate information : Alert 1 - That XXXX XXXX reported I was using over the credit limit and that's not true because my balance was less than 50 % of {$7000.00} Alert 2- That XXXX XXXX reported my credit limit was decreased to {$1000.00} which is not true because it was {$7000.00} all the time Alert 3XXXX That XXXX XXXX reported my credit usage was over 100 % the credit limit and that is not true because my balance was under 50 % of the {$7000.00} credit limit All these actions from XXXX XXXX have caused a big impact on my credit score dropping down almost 63 points from the day before these actions took place.

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 2019-05-31 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:
American Express advertised a welcome bonus online, the reward was in the form of points. 

I met the qualifications of the welcome bonus, however, was not awarded the points. 

I filed a claim with AMEX, and they did not give me the points. 

I filed a claim with CFPB, see attached response letter from American Express. 

AMEX admitted in the attached written response, that over the phone, their employee, a representative of their company, that I would receive my points. 

" Regrettably, we found an instance where we told you that youd receive the bonus MR points in four to six weeks without confirming that there was no welcome offer on your account. '' They are not standing behind what they advertised online and they are also not standing behind what they admitted their employee promised me.

I want AMEX to make things right, and give me what was advertised on their website, and what their customer service rep promised me over the phone, which they admitted to, in writing, on the attachment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-31 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:
sent ftc claim with police report of the violation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX equifax : XXXX file number

Company response to consumer: Closed with explanation