vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-04-11 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I bank with Wells Fargo. I get the following emails every 2 weeks. I have tried in person and over the phone to solve the problem. I 'm concerned that multiple accounts were opened or that there 's a privacy problem. 
Wells Fargo suggested that I add XXXX additional emails to my personal email system to fix the problem, rather than solving the problem on their end. Although I only have one email address on file with Wells Fargo, I continue to get these emails. 


Subject : Unable to deliver email From : Online Banking XXXX/2017 XXXX Contact Us We were unable to deliver an email to you We could not deliver a message or alert to your email address. If this address is incorrect, please update your contact information. 

To receive account statements or tax documents online : You must have a valid email address in order to receive your statements or tax documents online. If we can not successfully deliver your notification that your documents are ready, we will have to send your paper notifications or documents via U.S. Mail. 
If you have questions, we are available 24 hours a day, 7 days a week at XXXX or by secure email. 
If you are a guest user, please contact the account originator to request your email be updated. 
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 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
I was served by Midland Funding LLC, I have asked XXXX ( a law firm representing Midland ) for validation of debt which they have refused to provide me with any evidence that it belongs to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-15 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
In XX/XX/2017, I applied for and was approved for a Chase XXXX Rapid Rewards Visa card. Chase offered me a promotional bonus of XXXX XXXX Rapid Reward points upon making {$2000.00} in purchases within XXXX months of receiving the card. I met the spending requirements in early XX/XX/2017, and was told by Chase that the XXXX points would post by the next billing statement date of XX/XX/2017. However, I did NOT receive the points as promised. Upon contacting Chase, they informed me that they had mistakenly attached my husbands XXXX Rapids Rewards number to my account and that was the reason why I did not receive my promised bonus points. I gave them MY RR number, asked them to correct their mistake and to credit me the XXXX bonus points as promised. They told me that they would submit my request to their marketing department for review but that they could not tell me when I would or even if I would receive the XXXX points. They said that the review could take several weeks or even months!! I applied for this Chase with the intention of using the XXXX bonus points towards planned flights this summer. The longer Chase makes me wait, the less likely I am to find available flights! I completed the spending requirements -- now Chase needs to abide by their offer and credit me the XXXX RR points that I have earned ASAP. Chase is notorious for making mistakes and then taking forever to correct them. They need to make this right -- NOW!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My credit score has gone down XXXX points in the last month - from the XXXX 's to the XXXX 's. I requested and reviewed reports from all XXXX credit reporting agencies and I can not find a significant reason for the significant decrease in my score. Please help me.

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 2017-04-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I received a credit change alert on my credit file. I called transunion and the representative informed me of a collection account that was opened in XX/XX/2017. I asked for the name of the collection agency, which was given as General Revenue Corp. I never did business with this company nor have they contacted me nor sent any mail indicating that I owe any balances. This is FRAUD and General Revenue Corp needs to remove this fraudulent account from my credit report immediately. My credit report has been clean and all of a sudden a collection account appears fraudulently.

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 2017-04-12 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
On XX/XX/XXXX, I received a statement in the mail informing me about my credit protection plan. The was the second attempt they claimed to have sent me. I have never signed up for a protection plan of any sort. I am only able to review statements up to XX/XX/XXXX, and I was charged the Protection Plan fee on that statement continuing up to today 's statement. The fees range from $ XXXX- {$14.00} a month depending on the balance. This is already at {$200.00} that I have paid for a service I never signed up for. I am demanding the statements be sent to me from the opening of my account back I believe in XX/XX/XXXX. I will be contacting Citi bank in the morning. This is pertaining to a Macy 's 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 2017-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I had 12 payments to XXXX credit cards totalling over {$1800.00} returned from CHASE saying CUSTOMER advises not authorized. I went to Chase, was told to call Fraud at XXXX and ask fir US Supervisor. Was on hold for 20 minutes then disconnected, called back on hold for 35 minutes and still waiting.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XXXX XXXX, XXXX I received a bill for XXXX charges made on Citibank Credit Card XXXX in the amount of XXXX and XXXX made NOT BY ME at XXXX in Wisconsin. I have never been to Wisconsin. I did not make these charges. The account had a XXXX balance, I had cut up the card and I had not used it since XXXX. I contacted Citibank Credit Card then, in XXXX XXXX, about the fraudulent charges and they said they would resolve the problem. I continue to receive bills for these XXXX charges and now monthly late fees. I continue to call Citibank to no avail. I just spoke to another operator in XXXX who was no help. I have talked to operators in XXXX, XXXX, Kentucky, and other cities in the XXXX speaking world, told them about the fraudulent charges and the late fees and nobody has done anything about it. I continue to receive phone calls, text messages, and bills on these charges and the late fees which accrue upon 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 explanation
Consumer complaint received 2017-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I 've called many times to the credit reporting agency to inform them these inquiries were not mine, that they were fraudulently. The agency are telling me to just let the inquiries fall off, but they do n't belong to me, so I want them removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Multiple attempts at disputing both with the collection agency and the credit card company itself. I sent documentation showing that the debt was not mine ( they offered proof ) and with an open dispute it was turned over to collections. The collection agency told me that debt in dispute could n't be turned over so I was wrong or lying. They then continued trying to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: IL

Complaint narrative:
On XX/XX/XXXX XXXX filed a fraudulent foreclosure case against me which was based on forged documents and false statements where XXXX XXXX lawyers told the judge that XXXX ( who was not a mortgagee for my loan ) transferred its non-existing rights to XXXX as a Trustee ( this is not true, proven by Securities and Exchange Committee ) for legally non-existing XXXX. All documents were prepared by impersonators who worked as low-paid loan officers for XXXX ; and signed by well-known robo-signer XXXX XXXX XXXX. XXXX, whose lawyers gave very substantial amounts of money to at least two judges who handled my case, were able to obtain a void Order procured by fraud upon the Court and sold my property to a third party buyyer who paid cash on XX/XX/XXXX. 
On XX/XX/XXXX, or almost two months after my property was sold, XXXX sent me a letter information that they transferred my mortage with long-time bankrupt XXXX to a new Servicer, Specialized Loan Servicing , LLC. ( SLS ) On or about XX/XX/XXXX, or as soon as I received this letter, I called SLS and spoke with two officers, including an excutive manager who identified himself as XXXX. 
I explained XXXX that my property was sold in XX/XX/XXXX and transfer of my loan by XXXX to SLS is pure fraud, and continuance of their foreclosure extortion practices against me. XXXX said that they do not have any information regarding this transfer from XXXX and assured that they will inform me ones XXXX provide it to them On XX/XX/XXXX SLS spent me a letter where they demanded me to forward my mortgage payments to SLS beginning XX/XX/XXXX. I sent them my for validation of debt request right away ; and submitted a Complaint with CFPB. 
As of today, XX/XX/XXXX SLS failed to provide me ANY documents in support of their demand to pay them my mortgage after the property was sold in XX/XX/XXXX ; and repeatedly respond with runarouds that they are researching my inquiry. 
Worth to mention, during 5 years I received a binder-worth of similar letters from XX/XX/XXXX, 41 letter just between XX/XX/XXXX-XX/XX/XXXX, without any single document in suppot. The only brand-new looking document presented in my case was criminally concealed from the Court records by the judge, who refused to provide me a copy of this document for my records. 
I have reasonable suspicion that SLS entered into a conspiracy agreement with XXXX XXXX bank to defraud me and collect unlawful debt to which they have absolutely zero evidence in support.

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 2017-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I opened up a TD Bank account in XX/XX/2017. This bank account had a bank promotion of receiving {$150.00} after making {$500.00} in direct deposits within 90 days. I have met the terms of the bonus. When I messaged TD Bank about the bonus they sent me the following message : " Hello XXXX, Thank you for contacting us in regards to the new account opening promotion. 

TD Bank is currently offering a new promotion that is available only through the Online Banking, by clicking on the " apply now '' through the Ad on TDbank.com. Once the account has been opened through the landing page, the applicant can choose between one of two options : Open a TD Convenience Checking account plus receive direct deposit ( s ) totaling {$500.00} or more within 60 days of account opening to earn a {$100.00} bonus. 

Or Open a TD Premier Checking account plus receive direct deposit ( s ) totaling {$2500.00} or more within 60 days of account opening to earn a {$200.00} bonus. 

The account must be opened for at least 95 calendar days to receive the incentive. In addition the applicants must be a new personal checking customer, meaning, they must have no existing or prior personal checking accounts at TD Bank. However, they may have an existing relationship at TD Bank. 

A review of our records indicates that this account was opened in person at your local TD Bank store location. Where this is an online only promotion the account would not be eligible for the promotion. 

If it is helpful to note, TD Bank does run promotions periodically for current, or past, Customers. Please feel free to check in with your local TD Bank Store for any promotions that may be available in your area. 

We apologize for any confusion. 

If you have any further questions, please contact us via email or call XXXX to speak with a Customer Service Representative, 24 hours a day, 7 days a week. 

Kind regards, XXXX XXXX. 
TD Bank On-Line E-mail Specialist '' There are two problems with this response. I received an email of the promotion from a TD Bank representative. She informed me that I was eligible for the promotion. The promotion she sent me says nothing about the account having to be opened online. The 2nd issue is that the response says the promotion was for {$100.00} when in fact it was for {$150.00}. I have the email that the representative sent me. This is completely unacceptable to tell me I can open an account and get a promotion and then months later after I have already completed the terms tell me that I can not get the promotion when the representative said I could.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Began applying for a small home equity line of credit on XXXX XXXX with Wells Fargo. I was told it would take 30 days. We have provided all documentation within 24 hours of request. It has now been 77 days and my application is still pending. We have several hundred thousands of dollars of paid equity in the mortgage ( not appreciation value ) and excellent credit as well as high verified income.

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 2017-04-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/XXXX, I deposited {$440.00} to my checking account. The last XXXX digits of my account number is XXXX. I went to the WF XXXX XXXX in XXXX, N.C. I did not have any deposit slips so I gave my ATM card to XXXX, the teller. I told XXXX that I wanted to deposit that money in my checking account. About 4 days later, while checking my online account, I could not see the {$500.00} deposit. I called the XXXX branch and told them that I made on deposit on XX/XX/2017 that was not showing up. The person on the phone directed me to go to the bank. I went to the bank and talked to the service manager. I told her what happene. She looked it up on her computer and told me that the {$500.00} was placed on a loan that my son XXXX XXXX, XXXX has with WF. I told her that account was none of my business and that I wanted my money back. She called the loan division where the check was deposited. She told me that she was instructed to write a letter on WF letterhead explaining what happened. She told me that she was advised that when they received the letter, my money would be refunded to me. That has not happend. I have received the run around from WF. Each time that I have made an inquiry, I was told to call back in 2-3 days. It has now been over 3 weeks. I want my {$440.00} back.

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 2017-04-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX is reporting negative information on a prior balance with XXXX. This balance has been paid and resolved, however it is still showing in collections on my credit reports.

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 2017-04-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: MN

Complaint narrative:
Jefferson Capital Systems , Inc.a collection agency has reported to XXXX and XXXX credit bureau 's of an alleged debt to a cell phone carrier named XXXX . I contacted XXXX and requested that they send me a detailed report of the alleged services they provided me with the dollar amount they were claiming. I was advised that those records were no longer available due to the age of the of the account. I have requested in writing from Jefferson Capital Systems to provide documented proof of this alleged debt with no response from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is reinserting previously deleted items to my credit file such as a judgement after it 's been deleted as well as other accounts. I also have a split file where XXXX different reports are being provided. This has been confirmed through separate lenders having seen different reports on XXXX separate pulls. They refuse to acknowledge that split files are possible or that I have one even though lenders are seeing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-13 00:00:00
Product: Credit card — 
Issue: Other — 
Company: BARCLAYS BANK DELAWARE
State: HI

Complaint narrative:
Hi, I am one of the many military members who was offered Barclay 's XXXX XXXX XXXX a MasterCard credit card ) with the waived annual fee of {$990.00} because I was on XXXX XXXX. Unfortunately, I just received a letter from Barclay 's that says they are changing their policy and will now be charging the standard {$990.00} fee. My primary complaint is this appears to be a blatant " bait and switch '' tactic which will have an impact on my personal finances. If Barclay 's would have been upfront about their intention of charging their annual fee after 18 months, I would have quickly passed on their offer. Unfortunately, I accepted their offer, canceled my other cards ( thinking my Barclay 's card would now be my primary card ), and now I 'm stuck with having to cancel the Barclay 's card and find another card to use.

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 2017-04-12 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I was in the process of applying for a payday loan through the company 's website. It states I already have an account with them. I requested information on the loan that was already taken out as I have no prior contact and no records by email or bank statements of doing business with the company. they told be the account is closed, marked past due, and the loan has been sold to ta 3rd party agency. would not tell me when the loan originated, or the amount, or when the loan was sold to a third party agency.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-17 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I have received numerous collection calls on my home phone from an American Express collector. I called American Express 3 times and requested my number be removed as I do not have an American Express card and informed them they are calling the wrong number. Each time they assured me the number would be removed. About 3 weeks later I received two calls from American Express in which the " Senior Account Manager '' left a message specifically stating the name of the person they are collecting against ( no one related to my phone number ), personal/sensitive information about the debt this individual owes, information that this person has ignored their calls, and threats against this person regarding additional collection steps if their call is not returned. I called back this collector 's direct line today and told him again that it is the wrong number and that they should not be leaving personal information about anyone on an unknown number. He did not apologize and only stated again that the number would be removed. This agent was very rude on his messages and while speaking with me. It is not legal to leave personal information about a person 's debt on a voicemail machine, one that is not even related to that person! I hope that this can be looked into further and addressed promptly to stop it from occurring. Providing personal, private information regarding a person 's debt on an unverified voicemail should never be done. There was not even a warning on the message that this information was from a debt collector or that I should disconnect if not the correct person. That is VERY WRONG. The direct line for this " Senior Account Manager '' is XXXX. He should not be allowed to continue his work in this field. I had always thought American Express was a reputable company until now.

Company response to consumer: Closed with non-monetary relief