vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
On XX/XX/2020, my wife and I opened an account with Wells Fargo based on their {$400.00} checking bonus promotion. I have attached screenshots and a PDF copy of the promotion that was advertised on XX/XX/2020. The promotion lays forth specific requirements for eligibility for the {$400.00} bonus. My wife and I have since met and exceeded the eligibility requirements yet we still have not received the promotional bonus. The bonus should have appeared in our account at the end of XXXX but we have not received it to date. I am happy to additional information regarding our situation at your request. 

On XX/XX/XXXX I filed a complaint with the XXXX XXXX XXXX XXXX, reference number XXXX - which I received the following reply : " We researched your concerns in regard to the {$400.00} promotional bonus that did not post to your checking account ending in # # # #. At Wells Fargo, we pride ourselves on developing and maintaining quality financial relationships and strive to consistently deliver the exemplary service we know our customers deserve. It was difficult to learn that we have not met your expectations. Your comments are very important to us, as feedback is vital to providing stellar service. After a thorough review of your Wells Fargo XXXX XXXX account ending in # # # # our records show that your account did met promotion criteria based upon the direct deposit activity on the account. Your account has received a total of six deposits in the amount of $ XXXX totaling to $ XXXX within the 90 day period. As a courtesy, we have completed the incentive not received form for further review of your account. Once the form is reviewed and determined all the requirements were met, we will provide you with the promotions bonus. Your account will be credited within 10 business days. '' However, I still have not received the promotional bonus to our account nor have I been contacted by Wells Fargo regarding its status. I reached out to Wells Fargo customer service but they do not appear to know how to resolve this issue.

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 2020-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
pnc bank does not enable business banking sync with XXXX or XXXX  mobile vendors

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: OH

Complaint narrative:
There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


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 2020-08-11 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: EQUIFAX, INC.
State: OH

Complaint narrative:
There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


XXXX XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


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 2020-08-11 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: NM

Complaint narrative:
XXXX, Equifax and XXXX XXXX are not responding to any of my requests to investigate, verify and remove accounts from my credit report that don't belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
There are errors in this accounts. Status states paid account and it's written off, so how is it still late? Please provide method of verification and physical verification validation of debt for this account. Also, original instrument of indebtedness. This is information is not accurate and they are in violation of my rights. 


CAPITAL ONE BANK XXXX  N # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Fairway Independent Mortgage Corporation
State: WI

Complaint narrative:
In early XX/XX/2020, I began to work with XXXX XXXX from XXXX XXXX. 

I was suspicious that XXXX was charging me more than he'd stated during our phone conversations. 

When I went to the closing at XXXX XXXX XXXX here in XXXX, I noted several inaccuracies on the form. When I called XXXX he suggested that I just sign the paperwork ... '' those things don't matter '' ... .. '' that's not the real cost ''. 

I opted NOT to sign the paperwork. XXXX subsequently stated that he fixed the errors and sent a closing agent to my home at 2200hrs that night ... MUCH to My CHAGRIN!

I signed the closing paperwork under duress ... knowing that I had a 3 d right of refusal/the closing agent. 

The next morning I did due diligence and both faxed and emailed the right of cancellation to XXXX XXXX and Fairway. They chose to ignore my right of cancellation. 

PC to Mr. XXXX : " What do you think this is going to do to us XXXX? '' What do Want XXXX ... .Do you need attention XXXX , Is that what you want XXXX Attention ? ". At that point, I told XXXX that no one had the right to speak to me that way and I hung up the phone. 

XXXX XXXX has contacted me several times and attempted to " bully '' me into agreeing to stay with Fairway ... .I simply said NO ... what you've done is ILLEGAL. 

Fairway has continued to send me mortgage bills ... despite not having a legal document stating that I owe them anything. 

They have adversely affected my credit rating. XXXX has told me that I can't obtain another mortgage company for 9 months because they funded my mortgage ... .Illegally. 

Mortgage rates are in the mid 2 's currently. I refuse to stay with a company that's this corrupt. 

I would like to respectfully request that my entire mortgage be forgiven. Fairway is CORRUPT. They acknowledge that they've broken a Federal Law.

Thank You for your time and for your consideration.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/XXXX of 2020, I contact XXXX XXXX XXXX XXXX for {$150.00} to be taken off my debit card that has been linked to my checking with Bank of America.. I have a consistent habit of checking my account on a daily and weekly basis since I'm paid from my job on a weekly basis.. I also did a business transaction with XXXX XXXX XXXX XXXX on XX/XX/XXXX fort the amount of XXXX.. On XX/XX/XXXX, I was getting ready to pay on a bill. When I noticed my previous account was over drawn that was closed out for XXXX.. 

Bank of America did not notify me about the transaction.. I went to XXXX XXXX XXXX XXXX in person and talked with the office manager, XXXX.. I also called Bank of America in front of XXXX 's presence.. I had a Bank of America agent on speaker phone.. Bank of America agent tried to tell XXXX the office manager for XXXX XXXX XXXX XXXX, it was on their end.. XXXX was very frank and advised Bank of America, they don't hold transactions..XXXX advised Bank of America, once they run a transaction , they run a transaction and the rest is on the bank ... XXXX had to tend to other customers.. I left XXXX XXXX XXXX XXXX and told the Bank of America agent I wanted to have a word with her supervisor for my account to be closed through no fault of my own..

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 2020-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: GA

Complaint narrative:
My debit card was charged {$1000.00} by XXXX its a pool company by someone fraudulently using my debit card in XXXX, I contacted my bank, CHASE, as soon as I became aware of the transaction, they issued a temporary credit and began their investigation, What they found was evidence that my card was used and product was delivered to my address, If thats true, I never authorized payment of any type to XXXX pool company and I never received any products from XXXX pool company ... but some how my bank has left me responsible for this, I never misplaced my card or my checkbook, and I have no way of fighting the charges, my bank closed the investigation, and I have a charge of {$1000.00} is there anything I can do?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-11 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: CREDIT ACCEPTANCE CORPORATION
State: OH

Complaint narrative:
Please original instrument of indebtedness for this account. This payment history and dates for this account inaccurate. If this account is Charged-Off how can it still be open with a balance. 

Please provide physical verification, method of verification, and validation of debt for this account.

CREDIT ACCEPTANCE CORP # 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 2020-08-11 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: AR

Complaint narrative:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to act. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX {$7400.00} XXXX XXXX {$3100.00} XXXX XXXX XXXX {$2100.00} XXXX  XXXX {$110000.00} XXXX XXXX XXXX {$1600.00} XXXX XXXX XXXX {$350.00} XXXX XXXX   XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Corporation of America
State: AR

Complaint narrative:
RMC contacted me repeatedly, I informed them this debt was part of a XXXX settlement and they should contact my attorney. I gave them his name and phone number and explained to them I am at work. I told them they needed to put all of this in writing so I could get it to my attorney. They did not call or write to him, they continued to contact me. When the settlement came in the original creditor denied ever contracting or selling my account to RMC. The debt was paid by my lawyer directly to XXXX XXXX XXXX. RMC will not take this off my credit report and has not responded to my letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
I opened the account and was told at the time there was no mobile deposit limit. After I opened it I discovered the limit was {$2000.00}. After a month it was inexplicably reduced to {$500.00}. I believe that's called bait-and-switch.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
Trans Union is not responding to my requests to investigate, verify and remove accounts from my credit report that do not belong to 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 2020-08-11 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting, activating, or registering a card
Company: Conduent Incorporated
State: GA

Complaint narrative:
I was recently furloughed, so my employer filed unemployment on my behalf. When I checked my UI status online, it shows my funds went to a prepaid debit card that I haven't received yet. When should I expect to receive this card? It's been nearly two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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 — Their investigation did not fix an error on your report
Company: HYUNDAI CAPITAL AMERICA
State: ND

Complaint narrative:
OnXX/XX/XXXX, I contacted a mortgage loan officer to get pre-approved for a home loan. My wife and I had sold our home and were interested in purchasing one on the market. While reviewing payment numbers, we were informed for a delinquent account on our credit report. The mortgage loan officer provided me with information to call and get more information on the account. I called and was informed about the delinquent account. My wife and I were unaware the delinquency existed. I immediately call the creditor and paid the balance of {$420.00} on XXXX and asked for the account to be removed from our credit report. The customer service representative informed me that I would need to call all three credit bureaus and dispute the account. I filed disputes with XXXX, XXXX, and XXXX. The disputed showed that the account was paid in full, but still delinquent. I work in the financial services sector with collection organizations. I reached to the the collection agencies we use at my job to get counsel on how to proceed. They informed me that the creditor is the only party that can remove a delinquent account. I called the company on XX/XX/XXXX. They informed me that they could not remove the delinquency without explanation. They told me to reach out to the dealership and obtain documentation from them on the miscommunication they had provided me when turning in the car. I obtained a letter from the dealership onXX/XX/XXXX. On XX/XX/XXXX, I mailed the letter from the dealership and the a request for the delinquent account to be removed from my credit report. On XX/XX/XXXX, I received a letter from the creditor stating the information was inaccurate and the dispute information is accurate as reported. On XX/XX/XXXX, I called the creditor. I spoke with a women and she told me that due to there policies and procedures, they did do not remove accounts from credit reports. I told her that I have provided the information requested from previous calls. She informed me that this is the dealership 's fault, they provided me with incorrect information. I replied that the dealership takes ownership for the issue as stated in the provided letter. She replied that they would not remove the delinquent account. I am providing documentation to confirm all of this communication.

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 2020-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Block, Inc.
State: MA

Complaint narrative:
I tried using my Cash App debit card to make a purchase at XXXX. The transaction was declined, but the amount was removed from my Cash App balance anyway ( minus a 10 % " boost '' ). Basically, I should have {$65.00} more in my Cash App balance than I do.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian and XXXX  credit bureaus keep on adding these fraudulent accounts on my credit report. These were already reported and has claimed that these debts are not mine. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX  is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX  XXXX  is fraudulent on my credit Account # XXXX Inquiries from 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 2020-08-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I HAVE TRIED TO SPEAK WITH PEOPLE WHO CAN NOT GIVE ME THE CORRECT WAY BOOST WORKS. I TRIED CALLING NUMEROUS TIMES AND ALL I GET IS THE RUN AROUND AND GET TRANSFERED TO DIFFERENT DEPARTMENTS. I GET ADVISED THAT I HAVE TO SPEAK WITH SOMEONE FROM MEMBERSHIP. HOWEVER WHEN I DO THE PROMPT STATES IF I HAVE ANY QUESTIONS PRESS # 2. THEN AFTER THAT YOU GET THE AUTOMATIVE SPEAKER AND YOU ARE UNABLE TO SPEAK WITH SOMEONE AND THE CALL IS ALWAYS TERMINATED. I THEN CALL BACK AND CALL IS TERMINATED.REGARDING YOUR EXPERIAN BOOST AND YOUR ADVERTISING I WAS STATED THAT MY CREDIT BOOST WOULD INCREASE EVERY MONTH ACCORDING TO WHEN I SPOKE TO YOUT REP XXXX. THEN I TRIED CALLING HER AND I GET THIS PERSON NAME XXXX FROM CONSUMER AFFAIRS AND SHE STATES IT ONLY INCREASES JUST ONCE. SO WHAT IS THE SENSE OF HAVING EXERIENCE BOOST WHEN IT DOES NOT HELP YOUR CREDIT SCORE TO INCREASE EVERY MONTH AND WHY YOUR COMPANY KEEPS ON ADVERTISING THAT IT RAISES YOUR SCORE MORE THAN ONCE????

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 2020-08-11 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: DISCOVER BANK
State: OH

Complaint narrative:
I have variable rate loans with Discover Student Loans. Since rates have dropped so low I inquired about locking in a fixed rate. I was told to refinance the loan through a new application. I was ultimately denied by Discover, my current loan holder. My fear is that they did this because a fixed rate may lower the interest rate that they collect. I am currently at +4 % over XXXX, and I do believe that it would be lower with an updated fixed-rate, and Discover denied my credit because they would make less by doing so. 

Furthermore, it makes no sense that they wouldn't refinance a loan at the lower rate seeing as how I am more able to make the payments on time with the lower rate than I was at the higher rates seen in previous years. I am currently making almost {$200.00} per month less in payments than I have in times past. In times past, I have also struggled to make payments and they are unwilling to work with me and then they get to charge late fees, etc. Perhaps another reason to deny my refinance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CREDIT ACCEPTANCE CORPORATION
State: PA

Complaint narrative:
Credit acceptance needs to report account as settled

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 2020-08-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: PA

Complaint narrative:
I was in a forbearance plan, with PHH MORTGAGE due to XXXX. I paid my past due in full, by the agreed upon date. I called in to the customer service to let them know, I was ready to come off the plan, and make the payment. They asked for my permission to make the withdrawal, and I agreed. Less than a week later, they made another withdrawal, without my consent! I called back to speak an account manager, and he stated, he was not sure how it happen. I also said it would take a few days for me to get me money refunded back to me.

Company response to consumer: Closed with monetary relief