vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: AXOS FINANCIAL, INC.
State: VA

Complaint narrative:
I recently opened an Axos Bank Rewards checking account on XX/XX/2022 using promo code XXXX which is a {$300.00} bonus after meeting specific terms with new account holders. Terms have been provided at the bottom of this form. 

On XX/XX/2022 a {$7100.00} deposit was placed into my Axos Rewards checking account originating from XXXX XXXX, and the transaction coded as investment income. This deposit transaction met the terms of having a deposit within a single month from a third-party, being within the first 3 months, and being greater than {$7000.00} which makes the deposit sufficient to meet the bonus threshold according to the terms. 

I reached out to Axos bank to check on the status of the bonus on XXXX different occasions. The first was via online messaging system and was told that my account did not currently have a promotion code attached to it, even though their system auto populated it during the application process. I then proceeded to call into customer service, and was told that I met the requirements according to the reps immediate supervisor and I believe she did see the promo on the account, but no further action was taken besides having me wait longer. 

Because of conflicting answers from the Bank, and knowing others who have applied in my same time frame received their bonuses already, I would like some help in mediating the situation to ensure that Axos Bank stands up to their obligation. 



" To receive up to a {$300.00} Bonus : An Axos Bank XXXX XXXX application that includes the promotional code XXXX must be submitted between XX/XX/2022 at XXXX PST and XXXX PST on XX/XX/2022 to qualify. You must open your new Rewards Checking account and have qualifying direct deposit ( XXXX ) see table below. XXXX XXXX XXXX XXXX amount in XXXX Evaluation Period You must have these deposit amounts within a single calendar month during the first XXXX ( XXXX ) calendar months your account is open, including the month in which your account was opened. Direct deposit funds must be new to bank from a third-party source ( not originated from another Axos Bank XXXX account ) to receive bonus credit. All eligible awards will be delivered to your Rewards Checking account within 30 days following the XXXX waiting period. Account must remain open for 180 days or an early closure fee of {$150.00} may apply. A member may only qualify for one bonus tier and will not be eligible for future bonus payments if inflows subsequently increase beyond the 30-day Evaluation Period. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act - XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights.

According to 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A 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 2022-12-06 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should 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 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
On XX/XX/2022, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 30 days later I have not received a response yet. I feel like I'm taken advantage of and being ignored for 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 30 days so they should be deleted promptly. I demand these accounts should be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX XXXX 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 2022-12-06 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: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am writing to dispute these fraudulent charges on my account. I am a victim of identity theft, and I did not make this charge. I request that you remove the fraudulent charge and any related finance charges from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 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: CA

Complaint narrative:
This keeps happening to me I just finally got some of the other frauds taken off and now their trying to open more accounts I would please like for them to be removed its from XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX is when it started.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for purpose.

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 2022-12-06 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Problem with fees or penalties
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I am a long time XXXX  customer, and opened a promotional rate XXXX XXXX XXXX ( ending in XXXX ) with them in XXXX. I funded the account immediately by transferring funds from my savings account. Shortly after I opened it, and still within the funding period that they indicated for the account, they increased the rate on this term XXXX. I requested that they apply the new higher rate to my account since it changed within the funding period. This only seems fair and right, and this was once their policy. I got the most frustrating runaround on this request, and eventually was denied or invited to close it with a penalty. I appealed this decision and asked for the matter to be escalated. Although I received numerous emails that said the matter was referred to the appropriate department and I would hear from them, I was never called or written back. All of my inquiries are documented within their secured email service. I continued to follow-up on this and most recently I was able to speak to a Supervisor XXXX XXXXXXXX XXXX XXXX XXXX who told me that my request for a rate change or penalty free withdrawal would not be honored. He suggested that I withdraw WITH PENALTY & reinvest a current rate, and calculated that I would actually be a little bit ahead in total earnings if I did so. Really? Nice interest expense back in XXXX  's pocket! An underlying problem is that XXXX  was constantly escalating rates while heavily promoting their " XXXX XXXX 's '', deceptively ( with advertising language like " hurry this rate won't last! '' ) locking depositors into rates below what XXXX  knew they would be increasing in XXXX weeks. I think this was an abuse of the consumer and a very bad faith practice by XXXX. But to my claim, after all of the personal time & frustration I experienced from this and all of XXXX  's broken promises and lack of care addressing my issue, I asked XXXX XXXX if he would discuss my matter with a higher authority ; I wanted to close that XXXX  with no penalty and agreed to simply deposit it back into my Savings account. He said he didn't think that would happen, but said he understood and agreed to make the case for me and call me back the next week. It has been XXXX weeks now and I have not heard from him. I called and left a message that has not been returned. Once again, XXXX  breaking promises to customers and providing awful service.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CarMax, Inc.
State: IL

Complaint narrative:
In accordance with the fair credit reporting account XXXX account # XXXX has violated my right.

15 USC 1681 section 602 states I have the right to privacy.

15 USC 1681 section 604 a section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 166B : A Creditor may not treat a payment on a car payment account under an open end consumer credit plan as a late payment for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have been having serious ongoing issues with PNCs method of accounting of my mortgage account. PNC Bank is not transparent. PNC has been using a technique of fancy math accounting in order to take my money. 

On XX/XX/XXXX, I received a response email from PNC representative, XXXX XXXX. I asked for the negative escrow balance. He stated that my negative balance is {$8100.00}. This balance is incorrect. I then received this dismissive response Great! I will be putting together the letter and have it reviewed to be submitted to the CFPB. The regulatory due date for this submission is XX/XX/XXXX, if the review is not complete by then regulatory allows an additional 45 days. Once it is complete it will be uploaded for you to review. 

Based on my calculated math, I owe PNC Bank a total of {$5000.00}. Total Negative Escrow balance ( created by inept PNC and confirmed by PNC in prior email ( {$9500.00} - Total Escrow Shortage ( and credits ) Paid and On AMs Account Negative Balance Remaining ( {$4400.00} = {$5000.00} ( negative balance remaining ). 

Short Summary Of Ongoing Problems/Issues With PNC Bank PNC Bank neglected my escrow account. As a result of this PNC Bank hurriedly paid my XXXX XXXX quarter property taxes in the amount of {$8000.00}. PNC paid this amount in order not to lose its security interest in my property. 

On XXXX, XX/XX/XXXX, I received a delinquent tax notice from the XXXX XXXX XXXX XXXX XXXX Collector stating delinquency for taxes and late charges in the amount of {$1700.00}. 

On XX/XX/XXXX, as email instructed by PNC, I started to pay {$200.00} ( escrow shortage ) of which I paid {$200.00} for XXXX  months ( XX/XX/XXXX to XX/XX/XXXX ). 

In XXXX of XXXX, I received an email from XXXX XXXX of PNC Bank with two options of repayment of escrow shortage : {$200.00} or {$180.00}. I choose {$180.00} as the impact caused on my finances because of PNCs negligence was and is causing me deep distress. I started escrow shortage payment of {$180.00} on XX/XX/XXXX ( see email confirmation from XXXX XXXX at PNC Bank. I have paid {$180.00} to PNC Bank every month. 

Can you help? I can not get a straight answer out of them. I need to pay off balance and get rid of this bank. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
XXXX in XXXX FL is the company, so my sister stole my identity and got a car in my name without my consent but the dealership knew she wasnt me because I came in a week prior so they pulled that same file from the week before and processed all of my information without my consent I have every document from proof of purchase and not one document has my signature on it yet they let her lease and financed a car for her in my name and now I have debt on my report it was {$20000.00} but I looked again and its now at about {$5000.00} and I am not responsible for this and they know it because nothing is signed they just financed a car for someone based off them knowing my name and coming in to the dealership with me a week prior and I tried to inform them about the issue back in XXXX as well as explain that I never signed any paperwork and that I wanted to return the vehicle, it had been less than 30 days they said NO and it was my problem basically and I would have to pay

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor ( Wells Fargo Bank ) has violated my rights under 15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions.

Under 15 USC 1666b a creditor my not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2022-12-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
There is a bankruptcy reporting on my credit report from the state court of Tennessee. This account does not belong to me. I have sent several letters to the credit bureaus to fix this error. On my first attempt I received a letter stating that error was verified. I ask the bureaus to send me how they verified the bankruptcy and they did not send me a proper response. I sent a letter to the courthouse regarding the bankruptcy to explain how they are actually verifying a bankruptcy that does not belong to me. They sent me a letter stating that they do not verify bankruptcies nor have then been in contact with the credit bureaus. I then sent the correspondence I received to the credit bureaus XXXX separate times and have not received a response. I am writing your office today in hopes that you can help me to correct this error.

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 2022-12-06 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: BARCLAYS BANK DELAWARE
State: CT

Complaint narrative:
In XXXX Barclays advertised that if I signed up for the JetBlue XXXXXXXX XXXX, spent {$1000.00} on the card and paid the {$99.00} annual fee, I would earn XXXX in rewards miles. After completing all the requirements, Barclays only awarded me XXXX in rewards miles. I contacted them but they said they were unable to assist me with my rewards issue. They stated that in XXXX the sign up promotion was only for XXXX rewards miles and not XXXX. I didn't have a screenshot of the online marketing materials for the XXXX promotion but I do have an email marketing promotion for the XXXX before I was approved for the card. 

Here is the timeline of events and attaching screenshots of evidence. 

XX/XX/XXXX : I saw a promotion for XXXX rewards miles for the JetBlue XXXXXXXX XXXX and applied. Barclays said they would review my application. 

XXXX : I called them about my application and they said I need to provide scanned copies of my ID and Social Security Card. I send it to them but no response. 

XX/XX/XXXX : I receive an email about the same offer for XXXX rewards miles. I call Barclays again and they said that my Social Security Card was blurry and I needed to resend it. I resend it again. 

XX/XX/XXXX : I am finally approved for the card. 

XXXX : I noticed that I only received XXXX rewards miles after completing the requirements. I called and explained the issue. They opened a case for investigation. 

XX/XX/XXXX : I received a mail that they are unable to assist me with my Rewards Issue. 

Barclays does not have their act together. It took over XXXX months for me to get approved for the card only after calling them multiple times. If I hadn't called, I have no clue where my application would stand. I know I have great credit. They also release misleading marketing materials that I would get XXXX in rewards miles and only give XXXX. I just want to get what I was promised. I have already told friends and family the awful experience with this company so they are aware not to do business 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 2022-12-06 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My name is XXXX XXXX in XXXX of 2022 I reached out to Experian to remove inaccurate information on my consumer report. Instead of my consumer report being processed in accordance with federal law Experian elected to follow whatever procedure they have come up within their own institution, which is the reason I have had my information compromised as a consumer in their data breaches willful negligence and disregard of the law.

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 2022-12-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WESBANCO BANK, INC.
State: OH

Complaint narrative:
A company called XXXX Bank contacted me saying I had an account with them and they wanted me to sign up for online banking. I have no such accounts. This is the second time someone has tried to open an account in my name the first time it was caught and shut down by the company. I will try to shut this one down as well but I'd like to stop the problem before another one is opened

Company response to consumer: Closed with explanation