vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: MA

Complaint narrative:
A prepaid MasterCard was purchased at a XXXX XXXX on XX/XX/2015 for {$25.00}. I have receipt from XXXX XXXX. It was accidentally not delivered. The card has no value now. I called the number on the card and they said that a dormancy fee of {$2.00} is charged for each month the card is not used. They also told me that US Bank was the issuer of the card but could not refer me to a person, an address for US Bank or a phone number. They said they had no information on US Bank. On internet search I found there are no branches of the bank and only ATMs in Massachusetts. 
On internet search I found that in this state, MA, dormancy fees may not be made for the first 7 years of a prepaid card. 
Can you help recover the value of this card? It belongs to XXXX  a non-profit orchestra which performs in XXXX MA where all concerts are free and open to the public.

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 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MD

Complaint narrative:
I have had a Discover card for over two years and also opened another Discover card. I pay the accounts on time and in most cases in the balances in full each month. Discover attempted to  get me to sign a document with XXXX  to obtain my tax records. I didnt feel comfortable allowing this.XXXX  has caused damages to others in the past with breaching consumers. I reached out to an attorney within Discover around theXX/XX/XXXX who advised me not to sign any document and he said this didnt sound like anything Discover would do and he would have another attorney at Discover contact me back that still has not happen. I reported this to to the office of the president they have not had any further contact as promised that was on XX/XX/2020. I  received a letter sent to my email stating my account was closed because of a business decision and it will be reported as closed by grantor and it will impact my credit score .My credit score has  dropped severely because of this action from Discover. No payments are posting to my accounts. The card is being reported to merchants and businesses that I have reoccurring payments as fraud. This is now affecting my credit and defaming my character with the businesses I deal with. Im not the only person this has happened to I have relatives and people on XXXX who had their accounts closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
I sent a debt validation letter certified mail with returned receipt. USPS Tracking # XXXX They received in XX/XX/2020 and signed for it. I never received any sort of correspondence requested or proof of debt. I need them to cease and desist all collections on this invalid debt. Attached is the certified mail receipt and the letter sent to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: GA

Complaint narrative:
I submitted written request to Equifax, XXXX XXXX, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to Equifax. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
Spoke with a broker on XX/XX/2020 license number XXXX, in regards to refinancing my loan. Member insisted several times that VA mandates escrow accounts on all loans. Several times he promised he his trained and has been doing this for seven years. When I confronted the individual about the requirement stating other companies do not he got awkward and ended the phone call as soon as possible. Abuse of escrow accounts, including my personal one currently, is a systemic effort with Wells Fargo. They blatantly lied to me during the refinance process to secure an escrow account. To resolve this issue I am requesting a company wide investigation. This is my second complaint against them and their efforts to misinform and take advantage of uneducated customers/veterans, this is the third time I have been told from different people within wells fargo that the VA is mandating an escrow on 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 2020-03-09 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Nair & Levin, P.C.
State: CT

Complaint narrative:
Nair and Levin lied to the court when providing a debt validation letter to the courts and not the party they alleged owes the debt. Nair and Levin have failed to provide a validation of debt letter for a new amount of debt claimed. I am disputing the debt and request an official debt verification be mailed by Nair and Levin.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
A third Wells Fargo rep by the name of XXXX XXXX has replied again using same general form response which basically states numerous attempts at resolution made, exhausted all efforts ... As stated numerous times prior and again here, this reply is entirely bogus as there were no such attempts such as reaching out via email, phone, or otherwise. Further, such attempts are not detailed and should be if true.. I can assure the CFPB and any other third party, Wells Fargo reps are lying ... I've called their Executive Office Phone Bank numerous times, reps do not seem to be familiar with mediation program and can not locate a XXXX XXXX, a rep whom replied initially via CFPB portal whom also used reply mentioned above..They attempt to refer me to one of settlement administrators whom have nothing to do with mediation program.. Recently, I've been attempting to resolve fraud check issue, I mailed in an affidavit on or around XX/XX/18 and it was returned back to me. The check copy was mistakenly not included with it, I left a message with a XXXX XXXX about thison XX/XX/18, he assured me he would frwd check copy to fraud with explanation about missing check and email XXXX XXXX in re as well ... It appears he did not as the affidavit was mailed back to me due to missing check copy.. I believe XXXX was supposed to frwd check copy as well, not sure, it appears he did not ... I scanned copy of affidavit and check copy on XXXX, emailed it to XXXX, this could have been avoided had he and XXXX contacted fraud prior as mentioned ... Along with affidavit and check copy, I explained to XXXX that mediation might not be necessary if a settlement amount is available, which I would consider. It appears no settlement offer is available, only through mediation.. In closing, should fraud investigation conclude with no check reissue, I will need an address to mail notice of small claim suit to as I did not receive funds.

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 2020-03-09 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: WSFS FINANCIAL CORPORATION
State: GA

Complaint narrative:
Wilmington Savings Fund Society FSB has retained XXXX XXXX XXXX to non-judicially foreclose an alleged debt allegedly owed to Wilmington Savings Fund Society FSB. 

XXXX XXXX sent me documents titled " Notice of Acceleration and Foreclosure '' and " Notice Pursuant to FDCPA '' in which it states that I owe Wilmington Savings Fund Society FSB, that Wilmington Savings Fund Society FSB has retained it to sell my home at auction, and that default has occurred under a " Security Deed ''. 

XXXX XXXX has not and refuses to provide me any documents identifying the terms of this " Security Deed '' or terms of the alleged debt. 

I spoke with Ms. XXXX XXXX with the Trust Department at Wilmington Savings Fund Society FSB late last week and she confirmed that I do not owe Wilmington Savings Fund Society FSB any money, I have no account with Wilmington Savings Fund Society FSB, and that it did not initiate any foreclsoure action against me. She also confirmed that Wilmington Savings Fund Society FSB, unwittingly, has been used in the past to hide mortgage foreclosure fraud through its Trust Department by debt collectors.

Neither Wilmington Savings Fund Society FSB or XXXX XXXX have provided me with any proof of the alleged debt yet both are continuing to collect an alleged debt from me by threatening to publish a notice of sale in the 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 2020-03-09 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: Asset Management Outsourcing, Inc.
State: GA

Complaint narrative:
I did not authorized these enquires and ask for them to be removed.Credit Bureaus were contacted in XX/XX/XXXX & XX/XX/XXXX to remove enquires also

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: OH

Complaint narrative:
The HSBC bank every year rolls a promotion for new customers with bonus offer for opening Checking and savings account with new funds. I applied for advanced checking account by XX/XX/2019. My application was approved and money were funded to this account from my XXXX XXXX   account. {$10000.00} were charged by authorizing transfer from bank account with XXXX XXXX. So by XX/XX/XXXX the online account was opened. 

The applicant was to open a savings account to be linked and related to checking. The Bank, how ever, asked to get documents uploaded to confirm account address and State IDs. 

I was told that they had not received what was required to activate the account. I received e mails from Fraud Prevention department to comply their inquiry. It was online account and there was no local bank branch to where I can approach. My efforts to reconcile failed.After six months, I made trip to New York to visit the Branch officer. 

The officers were unconcerned. I provided documents and requested to upload to the fraud department. A month after, my visit to same branch, I found no progress. I was, how ever, told that I can withdraw funds and close the account. 

I, was helped at tellers. I was given a check for full amount. I was told that the branch can't close the account since it was online account. I had to close online. 

I started getting monthly fees for balance below required minimum in checking account. 
I am getting several notices for overdraft and penalties in monthly statement in mail. 

I was to get bonus of {$350.00} for new checking and savings account. I wrote to bank about this in emails. My requests were just ignored. 

I was never given opportunity for savings account after checking account was approved. 

I have come to find that several others were also complaining about Bank in various sites on media. 

Thanks. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: GA

Complaint narrative:
I submitted written request to XXXX, trans union, and XXXX   about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.

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 2020-03-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted written request to XXXX, XXXX XXXX, and Experian about 4 accounts reporting on my credit report. 2 of these items where the result of ID theft and fraud. I submitted a police report via fax to XXXX. I also provided documents and letter to each credit bureau stating the reasons for each dispute. they have failed to verify or properly validate any of the information reporting. I asked for proof that these accounts were validated, they have repeatedly failed to do so. This is affecting my credit negatively.

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 2020-03-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
On XX/XX/XXXX, I paid a credit card payment to Kohls. Following up with it in the morning, it didnt go through until XX/XX/XXXX. Which caused it too be late. I did not realize I got a charged a late fee, until I recieved a letter two months after saying I have not paid {$22.00}. My credit score dropped significantly, for a minor payment error.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: NJ

Complaint narrative:
I do not receive paper bills. Discover Card tells me I missed a payment but I never received a paper bill. ON DO NOT BANK ONLINE. Yet Discover Card demands that I use its website to make payments. I do NOT know how to use its website. I WANT PAPER BILLS. I never agreed to nor authorized paperless bills! It is not fair for Discover Card to say I missed a payment when I never received a paper bill and do not know how to use the Discover website to see what I owe or do not owe!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-09 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: KY

Complaint narrative:
I applied for a mortgage loan and discovered that Experian has been reporting someone else 's mortgage, credit card, address, spouse, and social security information on my report. I haven't had a need to apply for new credit for several years, and my other reports ( XXXX and XXXX  ) are  completely correct -- didn't feel the need to check Experian. Wish I had. So now I'm trying to dispute the five addresses that weren't mine, the spouse that isn't mine, the two credit accounts that aren't mine, and the two SSNs that aren't mine. All the while, this is holding up my own mortgage application. I filed a dispute immediately with Experian, then went a step further to contact the mortgage lender in question to resolve the dispute as quickly as possible ( 30 days is not quick enough in a tough real estate market ). My problem is not that Experian has refused to correct the information -- that is still playing out over the next 30 days -- rather my problem is that there is material damage to my life because of an inability to obtain credit when I need it directly due to Experian 's negligent handling of my credit report. Though I have followed every rule, paid every lender on time -- essentially I have done my due diligence in being a good borrower -- I'm going to suffer and Experian has no consequences to be pro-active in making sure that every number matches, lenders also have no consequences to assure the information they transmit to the bureaus is correct -- or if there are consequences, there is no recourse for the long-suffering borrower who can't get a 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 non-monetary relief
Consumer complaint received 2020-03-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX I contacted XXXX XXXX about refinancing my mortgage. The first mortgage company to call me was AmeriSave. I started the processes with them. They lead me to believe that there offer would most likely be the best offer but told me they would beat any better offer I got by {$500.00} but it had to be a locked-in offer. To get there lock I had to give them a {$500.00} nonrefundable fee. They failed to tell me that no-one else I talked to would require this fee. Most of the other companies I talked to gave me better deals. I was told I had 3 days to shop the loan. On the third day, I sent the general loan information on the better offers to them and did not hear back for 2 days so I assumed they were not going to match and went with a different company. Turns out the loan officer was sick and never bothered to let me know. He had my text information and had previously sent me a message. He knew I believed I only had 3 days yet never bothered to let me know he was out. I sent them an e-mail letting them know I had picked someone else and did not get a message back until 2 days later. I talked to the Texas division manager a few days before my closing to get my {$500.00} back. They told me that because I had not close I could still break my agreement with the other company and they would still beat it. I told him I would not go back on my word. The loan officer kept telling me how  honest he was but failed to tell me that most other companies would not ask for a refundable deposit. He said he knew for sure that XXXX also did that. If they truly believed that most other companies would require a fee to lock in my rate and they would only match locked-in rates than that 500 $ was a way to force me to go with them. I got a better offer from everyone else I talked to and everyone else also told me that would beat any other offer. If everyone else can do that I see no justification for that charge and would like it 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 explanation
Consumer complaint received 2020-03-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: CT

Complaint narrative:
On XX/XX/2020 I booked a hotel in XXXX that required full prepayment. Before making the purchase, I logged into my Chase credit card account to do research about whether my account charged foreign transaction fees or not. The decision I would make on which credit card to use for my purchase was contingent on this information. 

I logged into the website and, while still logged into my account, I navigated to the " Things You Can Do '' menu, selecting " Card Benefits '' as the option. 

Doing this opened a new window, seemingly outlining all of the benefits of my card ( since this was auto-navigated from the card benefits section of my logged-in menu selection ). 

From there, I continued my research selecting " Travel Benefits '' from the page 's menu. Upon clicking that option, the first benefit highlighted was " {$0.00} Foreign Transaction Fees ''. Upon reading this, I decided to use my Chase card to make the purchase, confident that I would not be charged a foreign transaction fee for doing so. 

Imagine my surprise when on XX/XX/2020 I noted a {$210.00} foreign transaction fee for the hotel prepayment. I immediately sent Chase a message via their secure messaging center asking them to remove the erroneous fee. They responded saying that my card did, in fact, charge a fee of 3 % for any foreign transactions and so the fee was correct. 

I replied, explaining that the website clearly showed there was no fee for my card. I also sent screen shots of the navigation steps that I took to arrive at that information. They informed me that the links took me to the wrong card type, in spite of the links opening from my own account page. They apologized for the mis-information but would not reverse the fee. 

I insisted that this was an error on their side given that I made a logical determination of an action based on the information their own website provided me but they will not refund the fee. 

My position is that this is clearly misleading and intentionally providing consumers with incorrect information about their fees for their cards. No reasonable person would assume that by seeking out cardmember benefits from their account page while logged in would be directed to a page about a different type of card with different fees. Further, in spite of the fact that I've informed Chase of this mis-information and broken link, they still have not corrected the information. This leads me to believe it is intentional and that other consumers will fall prey to the same error as I have This is unacceptable and action should be taken immediately.

Company response to consumer: Closed with explanation