vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
The evening of XX/XX/XXXX I, XXXX XXXX XXXX, completed all my shopping for the day. I used my new XXXX XXXX with 1 percent cash back for using it. I redeemed cash of {$1.00} within the XXXX XXXX  hour. The rules of this contract are that the {$1.00} is added to next purchase. My next purchase was the following morning at XXXX XXXX in XXXX for {$2.00}. My {$1.00} was not in my account nor applied to this purchase. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
Respected Sir / Madam, Here is the info I would like to share about this incident : XXXX XXXX and XXXX XXXX XXXX reached out to me inquiring about a apartment regards to add which I posted in XXXX Website for Room Sharing and they said that they want to send some deposit in my account to reserve a room and asked my account number.Once they got my account Details ( Bank of America ) they did a scam to calling my Bank and opened 2 Debit check fraud Claims on my behalf and at same time transferred XXXX $ of 3 which is total of XXXX $ did wire transfer through XXXX Transfers from My Bank ( BOFA ) To Recipient 's Bank on name XXXX ( XXXX XXXX ). After this fraud transactions completed, the recipients completely blocked my phones and emails. 

Once I seen this deductions of XXXX $ and fraud claims happens on my account Immediately I contacted my bank ( Bank of America ) they opened the case ( XXXX ) and after 2 months my bank responded saying that your case got declined because the Recipient Bank ( XXXX XXXX ) said unable to release / reverse back of XXXX $ back to your account. so my bank said finally this is completely comes under fraud crime so I have to file complaint with ic3.gov. 

Here are the Recipient Contact Details : XXXX XXXX ( phone : XXXX, email : XXXX ) and XXXX XXXX ( phone :XXXX, XXXX & email : XXXX, another email : XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
On XX/XX/XXXX, I sent a request to Experian to cancel my account. On XX/XX/XXXX, I received an email acknowledging that my account with Experian had been cancelled. My credit card was then charged for {$21.00} in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I then locked my card so that it could not be charged inXX/XX/XXXX. I keep receiving emails from the card issuer telling me that my 'purchase from Experian for {$21.00} could not be completed '. I have since sent XXXX emails telling them to stop trying to charge me for a cancelled 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 monetary relief
Consumer complaint received 2019-03-11 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: The Law Offices of Mitchell D. Bluhm & Associates
State: KY

Complaint narrative:
This service was covered by insurance and was never billed correctly. I gave them the information to bill insurance and it was still not done. Instead they just sent it to collections instead of billing it correctly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 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: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
Informed Barclays on multiple occasions - beginning in XX/XX/2018 - that XXXX XXXX  card was fraudulently opened in my name. Barclays refuses to close card and turned it over to collections. 

Multiple other credit cards were fraudulently opened in my name in summer XXXX and all were closed.

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 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I called the bank due to unauthorized charges from a XXXX service since XX/XX/2018. Chase bank was only willing to refund me XXXX charges since XXXX till XXXX when in reality most of the charges happened in XXXX. There was about {$120.00} that was charged on my card in one day and their l fraud department failed to do the investigation work to refund me the unauthorized charges. When I told the representative why she didnt go back 60days from today she said thats not how it works. When I asked her if I can file a different claim she said no. Basically unwilling to work with me and gave me attitude for something that was not my fault.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Good afternoon, I opened a checking account with Wells Fargo on XX/XX/2018 pursuant to offer code XXXX for a {$200.00} cash rewards bonus. My understanding was that I needed to open the account with at least {$25.00} and do at least 10 debit card transactions per month for 3 months - which I did. However, after the 3 months passed, I did not receive the bonus.

I contacted Wells Fargo and they sent me a letter saying that I did not meet all the terms of the offer. After going back and reading all the fine print, I realized that in the fine print it says " Use your Wells Fargo Debit Card to make 10 posted purchases or payments each month of at least {$1.00}, for three consecutive months following account-opening. '' I did make at least 10 purchases each month and they totaled more than {$1.00}. However, I assume that Wells Fargo is asserting that each transaction has to be at least {$1.00}. I think this is very confusing and is just another example of a large bank like Wells Fargo trying to take advantage of working Americans by relying on fine print, that is at best ambiguous.

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 2019-03-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I submitted a us postal money in the amount of {$1000.00} to the WELLS FARGO HOME MORTGAGE ( WFHM ) in XXXX XXXX to finalize refinancing for the mortgage at XXXX XXXX XXXX, XXXX, Maryland XXXX. This was the final step in obtaining a refinancing pursuant to the Home Affordability and Refinancing Program, initiated by then President Barack Obama of the United States of America to assist distressed home owners due to hardship, HARP Program, an executive order of the President. I originally submitted a handwritten complaint on XX/XX/XXXX via fax, fax # XXXX and have not received a complaint number. Mr. XXXX XXXX, a Wells Fargo Customer Care Specialist did call me at home, on a recorded and monitored line, from XXXX Ext.XXXX to my home number, XXXX, on XX/XX/XXXX at XXXX EST. This was a callback after I called him. During this call Mr. XXXX acknowledged that 1 ) we had applied for HARP protection, 2 )  XXXX XXXX was handling the HARP request, 3 ) the money order for {$1000.00} was redeemed for cash by WFHM and 4 ) he would be forwarding written confirmation of this to me. I have not received anything. Mr. XXXX called again on XX/XX/XXXX at XXXX to say he was not finished.

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 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Paypal Holdings, Inc
State: VA

Complaint narrative:
I was called by a local number XXXX with an automated message advising me my credit was in jeopardy and to call XXXX. I know most of these types of calls are scams so I was a bit skeptical when calling the XXXX number, located in Georgia. 

Once i got on the phone with a representative, she advised that it was not her responsibility to refresh my memory about a debt. I then asked if she could please send me some type of documentation. She advised if I requested documentation, she would mark me as a refusal to pay and it would hit my credit report, and then the main company " XXXX '' would have to contact me and work out a payment. I advised her that I never refused to pay, that I was only trying to confirm this wasn't a scam. 

At this point we are arguing back and forth so I asked her to please pass me to her supervisor. She stated, " You only want to speak to a supervisor because you don't like what I'm telling you ''. I advised that she was incorrect and that I am also certified in FCRA and that I no longer wanted to speak with her. She advised she would place my call on hold indefinitely and mark my case as a " refusal '' and it would hit my credit. 

I then hang up and called back. Everytime I called back someone would pick up the phone and say " please hold ''. 

I changed numbers and called from my office phone and reached a lady that stated she was a supervisor. I advised the situation and she stated she would work directly with me. 

Please investigate this predatory practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: NC

Complaint narrative:
In XXXX I submitted a dispute online to the credit bureaus to dispute a claim from XXXX XXXX XXXX. The collections company is XXXX XXXX XXXX. They have constantly called me and as I checked my credit report I noticed the dispute was never answered. So I contacted them on XX/XX/XXXX and verbally disputed the claim. I received a letter in the mail from them dated XXXX XXXX, XXXX that they were needing additional information from the company and needed additional time to contact me of the results. On XX/XX/XXXX I contacted Warfield to inquire if they had heard from the company. The told me they had not received a response. I asked how long before they waited until they considered my case founded. The company claimed I owed them money for damages to an apartment that I gave early termination notice of the lease, but paid the lease in full for the month prior to vacating, AND I did a walkthrough video of the condition of full apartment. Since I paid the rent in full for the month I still had possession of the keys. When I went back the appliances had been removed from the apartment. I questioned the management and they said they needed for another apartment. I later received a bill in the mail for damages, which I disputed then and now. I still have the still pictures and the video of when I vacated the apartment. To date they have been noncompliant with trying to resolve this matter in removing this false and negative collection from my report. The confirmation # Hunter Warfield gave me is:XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: FL

Complaint narrative:
In XX/XX/XXXX and on XX/XX/XXXX I sent a certified letter to Transunion to remove accounts that were closed more than seven years in accordance to FCRA 605 ( a ) ( 4 ) and ( 5 ). To this day, Transunion refuses to remove old accounts and adverse items of  information. Instead, Transunion continues to report them as unpaid, incorrect, and/or derogatory. In the two letters I sent them I also asked them to please prove the accounts they are reporting are correct and to provide the information that was used to place this on my report. Transunion has failed to respond to any of my requests or letters. 

In addition, Transunion is not following the procedures set forth in the FCRA subpart 609 ( a ) 1,2,3, 4, 5, ( b ) and ( C ) indicating that these accounts are in dispute by the consumer I am a member of Transunion and feel I should have all my money back for all the wrong information being reported.

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 2019-03-11 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:
I have notified all 3 bureaus countless times about blocking these fraudulent items off of my credit report. There are still a couple child support items, and a couple student loan collections that still remain on my credit reports in which should absolutely bare no relation towards me. These fraud accounts are not consensual, i never had a relationship with any of them, and there's been no good legal assessment in which i've been sent status updates or verifiable proof from these bureaus investigation. But i do know FCRA Laws and consumer rights, the reporting credit bureaus have been willingly violating the 605 ( b ) law. I've already mailed/faxed my cover letter, ftc i.d report with personal statement, police report, attached list of fraud items sheet and proof of identification sheet. All have been went documented, traced and sent over to all 3 bureaus, by 605 ( b ) law the reporting agencies each only had 4 business days after the date of my mailed documents receipt, to block the said fraud items with all the necessary documents i provided. I got dealt the wrong hand by these bureaus, they disobeyed the laws. NO LATER THAN 4 BUSINESS DAYS AFTER THE DATE OF RECEIPT BY SUCH AGENCY OF These accounts should have BEEN removed/blocked from my account. I have kept a paper trail this entire time, myself and my lawyer are in the process of filing a big lawsuit against these bureaus for Defamation, Negligent Enablement of Identity Fraud, and Violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I deposited my State of California treasury check from work and the bank will not release the funds and restricted the debit card from use for no apparent reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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: NY

Complaint narrative:
I went in-branch to open a checking account and they assured me that they could match {$600.00} bonus offered online. XXXX XXXX  XXXX I checked via online messages and they said I qualified repeatedly. I still wanted to make doubly sure and then they said no. It seems the in-branch person was misinformed or misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
We received our XXXX XXXX XXXX statement by mail on XX/XX/2019 and I immediately payed the amount of the bill ( {$95.00} ) via our online banking account with XXXX XXXX XXXX. I called XXXX XXXX and they verified that a check for that amount ( {$95.00} ) was sent by XXXX XXXX to XXXX  XXXX  on XX/XX/2019 with expected arrival no later than XX/XX/2019. The due date on the statement was XX/XX/2019. Please note that the due date was only 10 days from the time I received my statement and that most credit cards give you closer to 21 days. 2-3 days ago we received another statement from XXXX XXXX XXXX showing a late fee of {$27.00} and a finance charge of {$2.00} because our payment was not received until XX/XX/2019, 17 days after XXXX XXXX had mailed the check. When I spoke to the XXXX XXXX " customer service '' representative, I was told that they had no control over mail delivery and that we must pay the fee and interest charge. We had a similar scenario with a different retailer, but same bank, about one month ago. After much time and effort they grudgingly waived the late fee.After going online, I found that there were multiple similar complaints against XXXX  XXXX and their tactics. I think they are running a customer scam to collect late fees. Please help! Thanks. XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
Transunion makes it extremely difficult to file disputes online. They tell you to click on things that never appear on the screen. I have screen shots of the whole terrible time i had trying to file a dispute. They say click on 'start an investigation ' next to the listing youd like to dispute but there is no such item. They clearly want to deter people from filing a complaint online. Im going to have to submit by mail lets see how thst goes they probably will claim they never received it. As you can see on the attatchments i uploaded you will see their instructions to click view in the results column but their is no such colum and when i click on my name it does nothing.

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 2019-03-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Lending Club Corp
State: CA

Complaint narrative:
On XX/XX/2019, I called LendingClub Corporation for a payoff statement. The representative told me the amount of {$7500.00} to pay off the account by check, which must be received by XX/XX/2019. She declined to email me a document with that information and instead directed me to download the statement from my account on the LendingClub website, which I did ( attached ). 

LendingClub said they received the check on XXXX XXXX. I called them for an account status on XXXX XXXX and the representative said the check would take up to 10 days to process. I called again on XXXX XXXX and the representative said I owed an additional {$1500.00} in interest. I replied that the interest amount was not indicated on the payoff statement, but the representative said I still must pay the interest for my account to be paid in full. 

LendingClub representatives have since called me on XX/XX/XXXX and XX/XX/XXXX requesting the interest payment. I explained that I dispute this amount because I believe their actions are illegal. On XX/XX/XXXX, the rep said my account will be sent to reporting agencies as delinquent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Glass Mountain Capital, LLC
State: IN

Complaint narrative:
XX/XX/XXXX-XX/XX/XXXX, they call at least 4 times a week using a spoofed number and I've confirmed from them multiple times that they have 1 office in upper Illinois and they keep calling me from a Southern Indiana # - they spoof all their calls to me. I've told them 2 times about how spoofing their # is illegal and they just get rude and defensive and hang up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
Hello. 

I've been a customer of Wells Fargo for about five years in DC. 

Recently when I called the automated line they asked me to say my name in order to record it and use it for identification/security purposes. I don't feel comfortable with that because I don't think it's respectful of privacy and I didn't. They put me through to a customer service agent on that call. 

About a month later I called again and this time their automated system would not put me through without me saying my name. This was never asked of me in the past five years. I managed to get through anyway by pressing zero about ten times and made a complaint to them about requiring my name to be said and about trying to get and use my bio-identity without my permission. 

I called them again recently to return the call of their rep who had left me a voicemail. I had deleted the vm by mistake and forgot the caller 's name and this time they required me to say my name before they would look at my account or before they would speak with me. I refused and asked to speak with a supervisor and the supervisor also refused to speak with me without me saying my name. 

She then tried to get me to say my name in a sneaky way, by saying she needs me to say it in order to continue speaking with me and when I asked her if it was for bio-identity purposes she denied it but she would not settle for me spelling my name. She also engaged in other mildly sneaky or disengenous behavior I feel. 

I am going to close my account because this is a dealbreaker at this point but I find it hard to believe that this kind of behavior is legal. 

I would hope that you will prosecute them if it's not legal behavior. Would you please inform me whether what they are doing is legal or not? 

Thankyou very much, 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