vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-07-17 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: MN

Complaint narrative:
IvetriedcallingtoverifymyidentitybecauseIcannotaccesstheonlinedisputethingforEquifaxbuttheagentsdontseemtounderstandwhatIwanttodoIdonotwantthemtotellmethestatusofmydisputeIwanttoviewitonlineIwanttounlockmyaccount

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: MoneyLion Inc.
State: FL

Complaint narrative:
MoneyLion is failing to honor a cash bonus offer, Pave the Wage Promotion. I have met all bonus requirements. Please see attached documents for terms. 

I opened a MoneyLion account with the intention of earning this bonus in midXXXX XXXX. Through their app, I opted into the bonus. I called the institution to verify that I had opted in correctly because after I had opted in through the app there was still a place to opt in, and I thought it would have disappeared. The employee I spoke with on the phone told me that they did not have the capability to tell me whether or not I had successfully opted in, and as long as I hit the opt in button on the app, I would be fine. I had done this with absolute certainty, so I felt secure enough to move on to the next requirement. My MoneyLion checking account received direct deposits of {$3500.00}, {$3200.00}, {$3200.00}, and {$3200.00} on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX respectively. 

I have talked with three different employees from the institution over more than 5 calls starting just before the final direct deposit to confirm that I have qualified for the bonus. The first employee, XXXX if I remember correctly, told me that I did not qualify because I did not opt in and did not meet the direct deposit requirement but confirmed that I did call to verify that I had opted in correctly. I find it interesting that now they have the ability to see if someone has opted in. At one point during our communication she told me she was going to have to call me back in 15 minutes or so and did not call me back for several days. During those few days I called in and spoke with two other MoneyLion employees. Both of those other employees told me something different than XXXX. During the first of the calls after speaking with XXXX, I was told that the bonus would be paid on the XXXX of XXXX. In the second call, the employee said I would not receive it until later than the XXXX. Finally, XXXX called me back to tell me that the previous two employees were wrong. She informed me that I still did not qualify, but she was working on it and would call me back. Several days later XXXX called me back again and told me that she was able to manually opt me in. She also said that bonus payments are made in batches on Mondays, and if I qualified, I would be paid next Monday, XX/XX/XXXX. Today is XX/XX/XXXX. I have not been paid. I completed all criteria weeks ago. Every time I speak with some they tell me something different.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Colony Brands, Inc.
State: MS

Complaint narrative:
I have disputed this debt with XXXX XXXX on several occasions, with XXXX, XXXX and XXXX. This alleged debt was removed from my XXXX credit reports on XX/XX/2019 and XX/XX/2019, yet it keeps reappearing on my XXXX credit reports, causing injury to my credit score. I asked them to send me proof, to show that this is indeed my debt and they only send me a computer print-out, which is not proper validation of debt. Montgomery Ward has defamed my credit by reporting information that is unverified and inaccurate. This precedent was established by XXXX vs. XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: TX

Complaint narrative:
I submitted two letters at different times over the past few months ; disputing incorrect information on my credit report. I asked the bureau to provide me with the written and signed contract between myself and the collection agencies that reported. I was told to call them ( collection agencies ) myself, ( the bureau ) we're not doing so. I then asked for the letters or means of verification that the bureau received and they refused to give it to me, or verify their verification process. I demanded that the derogatory data be removed and they reinerated that it was verified. I do have letters that I sent to each bureau requesting these things to be removed. 
They also added a last name to my name that isn't mine.

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 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
Around XX/XX/2019 I called about the details for an account that I'd just opened promotional stipulations. I opened it with a promotion code for {$220.00} given after 90 days of meeting stipulations and was told that I would also get {$600.00} if direct deposited amount surpassed I believe of {$1000.00} or {$2000.00} which I made sure to do which no promotional code was needed for and that for the savings account being opened I would get another {$200.00} or {$300.00} I believe. However, none but the {$220.00} was given and I even asked that this be looked into and was advised by XXXX the XXXX XXXX location manager to call in and express this so the call could be reviewed and the promotions honored due to misrepresenting what I would be getting with the meeting the stipulations outlined. He explained if it took place inside a physical location in his district he'd resolve the issue and honor it due to verifying the call, but due to account being opened online it had to be honored by the 800 customer support department. 

After doing what XXXX informed me to do I was given case XXXX by the over the phone customer care supervisor XXXX. XXXX XXXX called me and stated the call was reviewed and it did support what I explained, however they were not going to honor what was offered to me at the opening of my account or what XXXX stated would happen. 

Due to getting no where I ended up deciding to close my savings account and would have closed the checking, but was advised fines would be charged to me. I apologize at this point of creating this I don't have the specifics promotional amounts, but the case number is referenced with the specifics and the calls can be viewed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Sirs and Madams : Wells Fargo is jerking us around in every possible way with exhorbitant fees and charges ( i.e., account negative, check paid, insufficient funds applied ), forced me to pay a {$31.00} fee on a Wells Fargo Cash Wise Visa card to stop an Au to pay when, in fact all that I needed to do was call a number that was given me by Wells Fargo to stop the AutoPay, which was free gratis - never advised that I could effect the same end, free gratis, telling me that I had funds available on said cash wise visa card, when, in fact, they exacted a {$35.00} insufficient funds fee applied when I received money from an ATM for said funds available, told Wells Fargo that I wanted to change my account number to forego additional charges from any and all Auto Pay instances, to find later that they carry everything to my new account, thereby making the account number change meaningless for all practical purposes -- a total waste of my time as they referred everything to the new account. Had more than {$250000.00} in their money market savings account that never earned a single red cent, which was a total wash - no moneys earned ever in the account. Wells Fargo is purposefully not fully informing account holders of consequences and matters involving their fees and charges, nor advising account holders of no money, possibly, would be earned in their money market savings account. When I deposit money into the account, they extract huge amounts, reportedly fees that I never knew, no was informed that they were applied and the money taken out. They are carrying a negative amount in my account and in lieu of insufficient funds available, they are both paying some, and applying insufficient funds. They need to be closely audited and monitored for their practices as they ARE crooked. Also, Gas Bill payment was returned when funds WERE available.

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 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX i received an email from wells Fargo that I had been approved for a credit card. I called the number in the email and told them that i did not apply for the credit, do not send the balance transfers that were associated with the application. The lady said not worry that it will be taken care of. On XX/XX/XXXX, we received a bill from wells Fargo showing that the transfers were made when we told them not to do it. 
So we asked them how to correct it and we were told that XXXX would have to send the money back to Wells Fargo. XXXX has tried more than once to do this. Finally in XX/XX/XXXX, according to the statement from XXXX, the larger payment of {$7500.00} was returned to Wells Fargo. But Wells Fargo keeps saying that they never received the money back nor will they tell me the account information to send the money to. The one thing that they do was close the account and most people agree that you can not send money to a closed account, but again, wells Fargo will not say where to send the money. So in the meantime, my XXXXredit score has dropped over 100 points and wells Fargo refuses to provide a possible solution for the issue. All you have to do is look at the statements from the XXXX accounts and you can see that the money was never used, that it sat there and in the case of the smaller amount, {$1000.00}, is still there. There has been no benefit from these transfers.

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 2019-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
There is currently an account from a company called XXXX/fortiva reported XX/XX/14 that is negatively affecting my score and I just recently became aware of this. I need this incorrect debt removed from my credit reports please. I found this debt using XXXX   XXXX.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: UT

Complaint narrative:
American Express send me an offer in reference to a XXXX promotion, if I spend XXXX or more at a XXXX XXXX I would get XXXX dollars statement credit, as stated in the mailing i have to enroll for the promotion between XX/XX/2019 to XX/XX/2019. Last week i attempted to enroll several times and every time I got an error : " Sorry about that! It doesn't happen often, but offers are currently unavailable. Please try again later. '' Today I called to complain with american express and let them know that before I stated at a XXXX XXXX  i attempted to enroll on the promotion and that the error below was appearing, I stayed at a XXXX XXXX on XXXX XXXX and spend more than 200 dollars as per the promotion. 

I even try to enroll again today and I got the same error see attached pictures, the supervisor that handled my chat session today " XXXX '' stated that the promotion was not available to all the cards and that there was nothing she could do, however again if you look at the picture yo can see that the website states that the promotion is available to all my cards. this is false advertisement and very poor customer service, very disappointing from American Express.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-07-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
Navient is my student loan servicer and I enrolled in the income driven repayment plan. My initial payment was {$93.00} which was super manageable. I enrolled in auto pay so that I would not miss any payments. I was advised by customer that my plan could be reevaluated and/or I could select another option for repayment as needed annually. The customer service rep said Navient works with every budget so borrowers do not default or end up with unmanageable payments. In XXXX, I earned more than I did in XXXX and my payment is scheduled to jump from {$93.00} to almost {$600.00}. I did receive a raise, but that income also reflects repaid expenses for regular business travel, etc. Also reflected in that income is a massive vacation payout for hours that would not roll over into XXXX. Total income for XXXX isn't an accurate picture of my salary. Also, I only received this notification of the new payment on the Navient online system which could easily have been overlooked. I think it was designed to be overlooked, in fact. I immediately opted out of auto pay and ONLY then did I receive an email from Navient letting me know they were reviewing my request and would let me know if opting out of auto pay would be approved. I immediately called customer service and was told that my only option was forbearance so I applied. I was told that this would help me be approved for opting out of auto pay so that my account was not likely to be drafted. I was shocked. I removed all banking information from my Navient account but I do not trust that they will not deduct the new payment amount on XX/XX/XXXX. When I tried to explain my finances to the rep, she suggested that I claim a dependent to bring down my payment. I told her I don't have any dependents and she then said the lowest amount she could reduce my payment to would be {$360.00}. I said where did that arbitrary amount come from and she couldn't answer me. I told her that I had calculated that the payment would be closer to {$150.00} or {$200.00} which would still be manageable. I asked about all the options I was told I would have originally and she had no answer. I can not afford the two options she offered and need help to either restore what I was paying previously or a payment that is not more than {$200.00}. That is the max I can do! I also do not want to be in forced forbearance because Navient isn't giving me any workable options for repayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Management Control, Inc.
State: TX

Complaint narrative:
I am requesting from Credit Management Control the original amount of {$68.00} debt from XXXX XXXX XXXX of the debt, unpaid balance, and Sign Agreement With XXXX XXXX Signature down loaded to CFPB to view as proof FCRA Law require That the information be available on request are remove it from the consumer File are Stop reporting the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: DISCOVER BANK
State: MA

Complaint narrative:
I was a victim of identity theft between the timeframe of XXXX a gentleman by the name of XXXX XXXX stole my identity and my father as well and opened fraudulent accounts like auto loans, credit cards, and business credit cards as well. One particular account I found was Discover Bank I contacted them and sent them a police report and tried to resolve this matter with them and they refuse to believe me I want to disputed with the credit bureau sent in my police report and everything needed to prove this account was fraud according to Discover Bank I recently received a letter stating that they didnt believe me and they were going to put a new account under my name that I did not authorize or I never applied for again this account was never applied by myself I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-07-17 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: Experian Information Solutions Inc.
State: CO

Complaint narrative:
Irecentlypulledmycreditreportfromall3bureausandfoundmanyerrorsthatIhaverequestedtobeupdatedorremovedandthebureausarenotdoingasIask.Theywillsimplyputastatementthatsays"MeetstherequirementsoftheFCRA''butitdoesnotmeettherequirementswhensection602isbeingviolated.Iaskforphysical,documentedproofthattheseaccountsaremineandtheyREFUSEtoprovidetheinformationrequested.

1.AcompanybythenameofXXXXXXXXisreportingaXXXXXXXXXXXXaccountthathasbeenturnedoverforcollections.TheylistisasbeingopenedonXXXXbutnoinquiryshowsuponmyfilestoshowthatIevenappliedforanaccountwithXXXXXXXXbecauseIneverhadanaccountwiththemthatwasasoleaccountofmine.WhenIcallthiscompanytheywillnotprovidemewiththeoriginalcontract,why?BecauseNOCONTRACTexists.ThecreditbureausareinpureviolationofXXXXXXXXCompliancethatspecificallysaysallinformationbeingreportedtothecreditbureausmustmeetcertainandproperformattingandtheydonot.MuchoftheinformationismissingandthisisaMetro2Complianceviolation.ThisaccountwithXXXXfundingisonlylistingXXXXnoonecanlegallycontactXXXXXXXXwithsuchaccountinformationandthereforeitisincompleteandamajorviolation.

2.XXXXXXXXisreportinganaccount,onceagainthebureaussayitmeetstherequirementsoftheFCRA,Iamdemandingwrittenproof,meaningahandsignedcontractthatsaysthisaccountismine.IhaveneverhadXXXXandyettheyarereportingthisonmyfiles.AlsoincompleteandmissinginformationmakesitveryhardtovalidatesoonceagainaMetro2Complianceviolationistakingplace.TheonlythingbeingreportedisapartialaccountlistedasXXXXthisisnotavalidaccountnumberandneedstoberemovedimmediatelyorsendmeverificationintheformofasignedcontractfromthecreditorshowingthisismine.

3.Alsotheyeachhavemanyoldaddressesbeingreportedonmyfilesalongwithmanynamesthatareincorrectandneedtoberemoved.TheonlythingthatshouldbereportingismycurrentaddressofXXXXXXXXXXXXXXXXXXXX,COXXXX,andtwonamesXXXXXXXXandXXXXXXXXXXXX.

ImmediatelyremovaloftheaboveinformationisdemandedorIwanttheminvestigatedforFCRAViolations.

3.

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 2019-07-17 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: PENTAGON FEDERAL CREDIT UNION
State: GA

Complaint narrative:
In XXXX, I was a victim of Identity Theft. The perpetrator was somehow able to open an account with PenFed Credit Union and was approved for a credit card that he then used at a local XXXX XXXX to purchase {$3100.00} worth of product. Once I learned of the identity theft I froze my credit, put out a fraud alert as well as reported to identitytheft.gov as well as reported to the local authorities. I called PenFed to let them know that the account that was opened under my name was a fraudulent account and they assured me that it would be closed immediately and I would not owe anything on it. They sent me a letter stating the closer of this account as well as an affidavit to fill out to assist them in going after the person who opened it. I filled out this affidavit and sent it through the mail as well as sent it through their email address XXXX. This affidavit included case numbers as well as a copy of my actual ID. 

However, I recently received a letter in the mail stating I owed on the closed account. I called them on Wednesday XX/XX/XXXX and asked why I received the letter and the lady could not tell me why. She said I would be removed from the collections queue. Today, XXXX XXXX, 2019 I got an alert that PenFed has sent a delinquent alert to XXXX and it has been posted on my credit. At this point I feel I have to escalate this situation because Penfed, who assisted in an Identity Theft crime, is now turning to the victim to collect.

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 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America put a hold on my business account over three weeks ago and all my employee checks have bounced. They refuse to release my money or give me any dates they will do so.

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 2019-07-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
So I purchased a product from a company through PayPal XX/XX/XXXX. I also told them i needed the product before XX/XX/2019. So when delivered they never left the package and I was told I couldnt pick it up. Then I was told they would leave the package the second time but they never did. The package was sent back and I never received my money back.

Company response to consumer: Closed with monetary relief