vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2018 4 payments were received by Wells Fargo. Each payment was done by check. Normally, Wells Fargo would post the payment on the credit card account and then the following day the check would clear the Wells Fargo checking account that the checks were drawn off. But this time, that did not happen. Wells Fargo did not post the payments but rather collected the money and then one business day later the payment was posted to the account. 

I contacted Wells Fargo about this issue and was informed that payment can take 1-3 days to post but after explaining to the customer service rep that in the past that was not the case and this only began to happen once the credit card account was closed. I was transferred to a supervisor who explained the same thing but after informing them that my concern was not being addressed, I was then transferred to another rep who continued to explain the same thing to me about payments taking 1-3 days to post. 

I interrupted the last representative and advised them that this only happened after I closed the credit card account and based on the actions of Wells Fargo, this appeared to be a deceptive practice. I was then informed that my issue would be escalated to another department who would be contacting me within 1 business day. I was provided with case # XXXX and provided that department 's phone # as XXXX. 

As I researched further I came upon the last 3 check payments that were sent to Wells Fargo and found the following information : On XX/XX/2018, 3 payments posted to the credit card account {$23.00}, {$26.00} and {$24.00}. As XX/XX/2018 fell on a Friday, the checks cleared my Wells Fargo checking account on XX/XX/2018. 

This is why I believe that Wells Fargo is once again engaging in deceptive practices as other financial institutions such as XXXX XXXX XXXX, XXXX and XXXX do not collect funds and then post a payment. The same can be said about other financial institutions such as my auto loan.

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 2018-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
TD Bank continues to have an advertised promotion as available here. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I went to TD Bank about 95 days ago and enquired the promotion at that time which, at least at that time was available to new CHECKING account customers. I told the bank that I knew and freely admitted that I did have an account a few years ago, but that I was unsure if the account was savings or checking and asked if the previous account would disqualify me from the promotion. The bank representatives researched the issue and said that there was no record of the previous account and therefore I was eligible. I was surprised, but based upon their instruction, I enrolled in the program and as I went along I continued to ask and mention the previous account ... right up to and including two days before the bonus was to be paid and I always received verification that I was eligible even in light of me admitting that I had a previous account because they had no record of the previous account. Then on the day the bonus was to be paid, I was sent a note saying I am ineligible because I had A previous account. To me it is false advertisement. They are luring me into the signing up, saying I am eligible even when I disclose all relevant information, and in so doing based upon their role as employees and authorized representatives of the bank are presenting me with an offer that I am eligible for, and then after fact going back on their claims. Note that along the way, they issue you a credit card without you ever asking for it and in so doing disqualify you further from their ongoing credit card bonus offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from chase on the XX/XX/XXXX and XX/XX/XXXX and also the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from discover on the XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: EQUIFAX, INC.
State: GA

Complaint narrative:
What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/2018 I registered with a third party company which checks eligibility to apply and get approved for credit cards. Unfortunately they applied for several credit cards from citi on XX/XX/2018 without my consent and because the request was denied I'm left with multiple hard inquiries on my credit report which is affecting my credit score

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 2018-10-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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

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 2018-10-19 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: GA

Complaint narrative:
What are these accounts doing on my credit report?? I filed a dispute with the credit bureaus but no word from them! I am so disgusted seeing all these errors messing up on my credit report..The student loan should not be reported on a credit report since this is a government funded loans and only private  accounts should be displayed on a credit report..Worst, the student loan account is reported multiple times which is illegal ... 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

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 2018-10-19 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: GA

Complaint narrative:
I am concerned about the validity and accuracy of the recent investigation done by the credit bureaus..I requested for an investigation because the account XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX have nothing to do with me. I am a victim of identity theft and the account is not my responsibility.. Credit bureaus failed to give me the result of their investigation, I assume they were unable to verify it ... The error has affected my credit score tremendously. CFPB please step up and delete this ASAP please

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 2018-10-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
I made some large purchases and then suddenly the bank closed my account so I can't redeem the cash back anymore. I should be getting {$350.00} cash back from the 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 explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: U.S. BANCORP
State: MO

Complaint narrative:
I lost my job in XX/XX/XXXX and US Bank agreed to accept reduced payment until they shut off access to my on-line account for me to make payments and the bank refused to accept payments because they were starting foreclosure proceedsing in XXXX/XX/XX/XXXX. 
On XX/XX/XXXX, I paid US Bank {$2200.00} via cashier check to bring my account current and stop foreclosure proceedings and was told my monthly payments would be reduced to an amount that I could afford. 
US Bank lost my cashier check and found it in XX/XX/XXXX. Despite the agreement that they made that the the {$2200.00} would bring my account current, they are now requiring that I pay {$1.00}, XXXX as part of a repayment plan, plus {$1000.00} for a monthly payment, for a total of {$2200.00} by XX/XX/XXXX. If I don't pay the {$2200.00} by XX/XX/XXXX, they will start foreclosure proceedings again. 
Additionally, I am required to pay {$410.00} by XX/XX/XXXX as part of a repayment plan. 
I have been in conversation and correspondence with US Bank regarding this matter and they have refused to honor their committment.

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 2018-10-19 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: CA

Complaint narrative:
I am writing this complaint because Equifax has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the XXXX XXXX data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable XXXX XXXX compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite XXXX XXXX compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 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: CA

Complaint narrative:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

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 2018-10-19 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: CA

Complaint narrative:
I am writing this complaint because XXXX has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. being that they have gone past the 30 day mark & can not verify verify these accounts, under section 611 ( 5 ) ( A ) of the FCRA they are required to ... .Promptly delete all information which can not be verified that I have disputed. As I understand, Federal reporting laws. especially the Metro 2 data formatted reporting regulations enacted as a results of the CRSA, requires that all information be certificated compliant as well as full true, correct, complete & timely proven mine. It was clearly that the same laws dictate that no entity, including a consumer credit reporting such as yourself can excuse itself from the mandates nor liabilities should that entity become deficient in that compliance. I am enacting my consumer rights to have only 100 percent accurate, timely & verifiable METRO 2 compliant information be reporting on my credit. I do NOT authorize any derogatory. RETAIN or return to requisite METRO 2 compliance reporting now by annulment of all non compliant information as mandated by law. Please resolve this matter as quickly as possible. I appreciate your time and consideration.

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 2018-10-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: OR

Complaint narrative:
Hello, I am working towards public service loan forgiveness and have an issue with the amount of qualifying payments. I submitted my employment certification form in XX/XX/XXXX and my loans were transferred to PHEAA on XX/XX/XXXX. At this time, the qualifying loan amounts show different information with only one being accurate at XXXX while the others shows XXXX and XXXX. I notified PHEAA in XX/XX/XXXX, XX/XX/XXXX, and recently in XX/XX/XXXX without any resolution of this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: Comerica
State: AZ

Complaint narrative:
I informed XXXX XXXX that my debit card had been used fraudulently debiting my account near XXXX in 3 separate transactions to XXXX XXXX on the XXXX and XX/XX/2018. I contacted XXXX XXXX and filed a complaint and subsequently filed a police report. I contacted XXXX XXXX and filed a dispute and promptly faxed over a signed statement and copy of the police report. Complaint filed XX/XX/2018 fax received and added to my file XX/XX/2018. I asked about a provisional credit to pay my rent and avoid fees and eviction and have been told continually that I may get one after the XX/XX/XXXX but that it is not guaranteed in any way. I asked them why federal regulation E didn't apply to my account and my dispute and have been continually told they are not a bank they are a preloaded debit card and provision E doesn't apply to my account and that i may receive this credit sometime in the future. They have been informed of my eviction and loss of my home and I've taken all necessary and reasonable steps to accommodate them. XXXX XXXX is making me a victim a second time and causing me through there refusal to follow federal law to lose my home and possessions as I am literally broke and without transportation and now without a home. Please help, this is wrong and needs to stop, your bank should protect you not revictimize and punish their card holders. I've called level one and level two support five times each day for the last four days to no avail. 
Please help. 
Respectfully, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I had a checking and savings account with bank of America. Between the dates of XX/XX/XXXX-XX/XX/XXXX, I sent several money transfers using XXXX that never got to their intended accounts. I have all the verification codes and emails as proof. When I brought this to bank of Americas attention they said they couldn't track the missing money, told me it was sent successfully than terminated 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 explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: FIRST ADVANTAGE CORPORATION
State: LA

Complaint narrative:
XX/XX/XXXX I received the results of a background check that was taken for XXXX XXXX. On this background check it's shows that i was convicted and sentenced to the XXXX  ( case # XXXX and XXXX ) XXXX XXXX and XXXX XXXX ( XXXX ) 17.5 years on XX/XX/XXXX but it's not showing that case # XXXX and XXXX was vacated and set side on XX/XX/XXXX. I was re-sentenced to 12 years for case # XXXX to be run concurrently with case # XXXX.

I don't know if that would have changed or be a determining factor in me getting this position and/or job but the information should definitely be on there for the company to also view. The conviction is over 16 years old and i was released from the Department Of Corrections XX/XX/XXXX. Can this be reviewed and made accurate and sent to XXXX XXXX please?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-19 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: SC

Complaint narrative:
I received two unsolicited emails on XX/XX/XXXX from pay pal. The first asked me to " confirm my email '', the second " welcoming me to pay pal ''. I do not have, nor do I want to have a " pay pal '' account ''. I do not do business with pay pal. Pay Pal is either opening an account in my name without my permission, or allowing some one else to open an account in my name fraudulently. I did not authorize a pay pay account and I am concerned that pay pal is stealing from me or allowing some one else to do transactions in my name. I do not and will not do business with pay pal and I want any pay pal activity in my name to be stopped immediately as it HAS NOT been authorized by me.

Company response to consumer: Closed with non-monetary relief