vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have signed up with US Bank for the following checking account promotion : Earn {$300.00} when you open a new Platinum, Gold or Easy Checking account and complete two or more recurring direct deposits that total a minimum of {$2000.00} and enroll in eStatements within 60 days of account opening I have completed the terms by XX/XX/XXXX ( posted 2 direct deposits of more that XXXX and enrolled in eStatements ). 

I have not received a bonus yet. I have contacted US BANK on XX/XX/XXXX, asking them where my bonus was. I have received the following response : " Hello XXXX, Thanks for reaching out about the bonus funds. My name is XXXX and I feel the desire to know when the bonus will be paid. 
I looked over the account and do see a promo code attached. However, the code that is attached is for a promo that ended on XX/XX/XXXX with different requirements than what you mentioned below. 
I did find the promo you referenced below. This promo started on XX/XX/XXXX. As the account was opened on XX/XX/XXXX, sadly you do not qualify for either promo. This means the {$300.00} bonus will not be paid. I apologize for the inconvenience this may cause. '' I did, in fact, signed up on XX/XX/XXXX, from US Bank 's promotional page. I will even received approval letter from them on XX/XX/XXXX. I will attach it to this complaint. 

US Bank is acting shady and is not being honest and straightforward with 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 2020-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
Fraudulent charges were posted to my credit card account which were disputed and a complaint submitted with CFPB ( See Complaint ID # XXXX ). Case was found in my favor as credit card holder. TD Card Services issued credit for the fraudulent charges on XX/XX/2020. TD Card Services failed to issue credit for any of the interest charges accrued during the 8+ months it took to resolve the situation. Therefore another complaint was submitted to CFPB ( see complaint ID # XXXX ). Again case was found in my favor as credit card holder. TD Card Service credit interest charges up to XX/XX/2020 on XX/XX/2020 but not all interest charges. However since TD Card Services took until XXXX to provide credit/refund of interest charges interest fees were charged by TD Card Services on account statements dated XX/XX/2020 in the amount of {$44.00} and statement XX/XX/2020 in the amount of {$42.00} totaling = {$87.00}. We pay our credit card account off every month and did not carry over a balance any month in 2020 with the exception of the fraudulent charges and any finance charges, which I refuse to pay. Therefore we are seeking a credit/refund of all interest charges incurred during 2020 to date including the 2 mentioned above and any subsequent interest charges until matter is completely satisfied. We are demanding TD Card Services follow it's obligations set forth in the " Credit Card Agreement '' and the " Visa Zero Liability '' arrangement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-10-27 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: First Technology Federal Credit Union
State: WA

Complaint narrative:
Prior to XX/XX/2020 : Perfect credit score, no issue ever recorded, score XXXX XX/XX/2020 : Open a new credit card with First tech over the phone and have them setup automatic payments from my savings account. 

XX/XX/2020 : Make a {$14.00} charge on the card, due date XX/XX/2020 XXXX : Since I had not been contacted about a late payment I had assumed the auto pay was working correctly. Use the card again for {$27.00} with due date of XX/XX/2020 XX/XX/XXXX : First tech contacts me to tell me that I have a late payment. I immediately pay the full balance, confused why the auto pay was not working. At this point they have already charged me a late fee of {$14.00} for the original XXXX charge AND reported the over 30 day late fee to the credit bureau. Credit score now XXXX ( an ~100 point decrease ) All of my other credit cards are on auto pay so I had the same setup with this card I received from first tech. For some reason first tech failed to properly setup auto pay and as a result tarnished my perfect credit history. I believe they intentionally did this and waited until after the fee was charged so that they could profit from the fees charged to me. When I applied for mortgage, my lender informed me that he had the exact same thing happen to him with First Tech. He had setup auto pay over the phone and they conveniently failed to set it up, resulting in a massive credit drop and a late fee paid to First Tech. 

First tech has been notoriously bad for reversing fees even when the charge was a result of their mistake. This leads me to believe that they are not operating with good intentions and are trying to maximize profit through extra fees at the expense of the customer.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX credit reported to the credit bureau 30 day late payment.I wasnt late, it was a bank error with my funds being processes. I contacted XXXX in XX/XX/2020, for a goodwill and they denied. Due to not having document from bank. On XX/XX/2020, I submitted a letter head statement from the bank in regards to my payment history and the error which was made.

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 2020-10-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: LA

Complaint narrative:
6 unauthorized transactions were made from my banking institution 's checking account to my Cashapp account -- which I no longer have access to because I have been unattachd from my account by the identity thief. The following unathourized transactions were withdrawn from my account via Cashapp. 

XX/XX/2020 - {$1500.00} XXXX {$940.00} XXXX {$600.00} XXXX {$190.00} XXXX {$100.00} XXXX {$100.00} I have attempted to reach out to cashapp on several occasions and have received no responses in regards to the fraudulent activity that have transpired on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Back on XX/XX/XXXX I mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

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 2020-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Back onXX/XX/XXXXI mailed disputes to the credit bureaus, but I never received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Problem with personal statement of dispute
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
XXXX  and experian credit Bureaus allowing Credit Acceptance to continue to report on my credit file..consumer protection and federal trade Commission added a reporting block to my file as of XXXX XXXX I reported to all 3 credit bureaus and sent the documents to each .. Filed over 7 disputes not to Allow credit Acceptance to report and inaccuracies because we're still in legislation and it's truly damaging my chance to be able to purchase my first home ... XXXX vs CREDIT ACCEPTANCE as of XX/XX/2020 Block isnt in effect at All! Still reporting doing so much damage..and it's not helping to keep filling disputes after dispute I been fighting and complaining to no end..I been turned down for approval because of Credit Acceptance still reporting after Block was added as of XXXX 2020 Thank u

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjusters for {$3500.00} for a loan they have the wrong last name for 2019.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
We started a home mortgage with the XXXX  XXXX XXXX in XX/XX/XXXX. It was promptly sold to XXXX XXXX, who has since improperly serviced our loan.

The documentation at closing, according to Wells Fargo, showed that the previous bank stated the taxes due on an annual basis were {$4200.00}. We signed an agreement that said our mortgage amount would go up in the next year due to an increase in taxes. Our mortgage amount went up a few dollars, and so we thought " okay. '' Wells Fargo did not perform an assessment to determine the correct mortgage amount due until 358 days after it purchased the loan. It stated that this was acceptable and within its policies. When Wells Fargo performed the assessment, Wells Fargo used the previously paid tax amount to determine the tax amount due, instead of pulling the actual amount due from the taxing authority. As much as they say
we were on notice that our taxes could increase, Well Fargo, too, received this notice and never acted upon it to determine if any such increase was made with an appropriate tax authority.

Wells Fargo failed to check and follow up to see what our tax amount
was due with the XXXX  County  tax office until XX/XX/XXXX ( 18 months after it purchased our loan ), for which it determined there was a substantial shortage in the account and increased our mortgage amount by $ XXXX during substantial COVID financial stressors.

Wells Fargo looked into this and stated that this is precisely acceptable and within its policies. Specifically, Wells Fargo allows itself 365 days to assess a newly purchased account and it performed that assessment on day 357 out of 365 -- the midnight hour. When it made the assessment, Wells Fargo relied on another internal policy that allowed it to rely upon the previous tax amount paid instead of looking at the tax amount due to the taxing authority -- for which this information was publically available and free at this time.
It was Wells Fargo 's late analysis and policies supporting the use of bad data ( previous tax amount paid by the owner in XXXX ) that resulted in a {$10000.00} accounting error by Wells Fargo. However, it was the customer who ultimately paid the penalty for Wells Fargo 's accounting errors as Wells Fargo independently increased our mortgage amount due by a substantial amount to recoup the losses associated with itsaccounting error.

Originally, I wanted Wells Fargo to merely apologize for such a terrible customer service outcome as a result of their internal policies -- we did nothing to bring this upon ourselves. But, Wells Fargo continues to maintain that its actions and this outcome is entirely acceptable.

I'm hoping the CFPB has jurisdiction to address Well Fargo 's conduct and impress upon it how unacceptable these types of outcomes are.

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 2020-10-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

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 2020-10-27 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: Certified Credit Reporting, Inc.
State: AZ

Complaint narrative:
Crtfd Crdt showed up on my XXXX  as an inquiry on XX/XX/2020. 

I have not applied to open a credit card recently nor have I applied for a mortgage. Somebody pulled my credit without my permission. I have no clue who this could be.

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 2020-10-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: National Credit Systems,Inc.
State: LA

Complaint narrative:
After viewing a copy of my report, I noticed a collection account placed on my credit report from National Credit System on XXXX XXXX in the amount of {$1500.00}. First and foremost, I have confirmed that the debt collector, National Credit System, is not licensed in the state of Louisiana to collect on this debt. Secondly, National Credit System violated FDCPA rules and regulations when they failed to send me a written debt validation notice including the amount of the debt, name of the creditor, and notice of the consumer 's right to dispute the debt within 30 days. Third, what obligation do I have at all to National Credit System? I have never heard of them, have no written contract with them and have never received any benefits from them, yet National Credit System has submitted negative information to all three credit reporting agencies ( XXXX, XXXX, and XXXX  ) against my name and social security number and is demanding payment from me in the amount of {$1500.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
This account has been reported inaccurately. I saw the report and the account has a lot of inaccurate information such as the payment history and the dates reported. The payment history does not report any late or charged-off remarks. This is absurd. If there is no late remarks at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

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 2020-10-27 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am having the exact same problem as my husband. I also mailed disputes to the bureaus on XX/XX/XXXX and have not received a response. It has been nearly two months now, and still nothing. I feel like I'm being ignored, please advise.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Investigation took more than 30 days
Company: ADIR INTERNATIONAL LLC
State: AZ

Complaint narrative:
Application was denied. Never received letter as to why it was denied. No contact info changes. XXXX could not tell me why for denial.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Rocket Mortgage, LLC
State: NJ

Complaint narrative:
On Monday, XX/XX/2020 I made an inquiry with Quicken Loans about a Cash Out Refinance. I said that I was researching. I said that I had 2 questions : What was the current interest rate? 
How much of my homes equity could I tap? 
I was Not explicitly asked if my credit could be pulled. I was only asked about my birthdate. Although I thought that was a strange question, I gave my DOB. 
Soon after, I got a message from XXXX XXXX that my credit was pulled. The next day, I found out that my husbands credit was pulled too. I only discovered this about his credit report because phone calls started to come to our home RE our desire to finance based on a recent credit check. Today, we received 6 pieces of mail about refinancing from other banks. QL had No authorization to pull either of our reports. Please correct this. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I was shocked when reviewing my credit report and found a late payment on the date below : 30 days late as of XX/XX/2020 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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: CURO Intermediate Holdings
State: IL

Complaint narrative:
It was removed from two credit bureaus my XXXX  and my transit still sits on my XXXX  account Im Requesting that it be removed from My XXXX  at once it was fraud account open up not by me thank you Company XXXX XXXX XXXX Amount of debt : {$160.00} Collection agency Account number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Tenaglia & Hunt, PA
State: NY

Complaint narrative:
earlier this evening i was trying to speak with this collection agency about disputing the debt because they failed to validate the debt. with a third party on the line also the debt collector fully disclosed my debt without asking my permission to speak about it with the 3rd party on the line. i informed the collector that her first communication was using the threat of sueing me to get me to pay the debt is a violation of fdcpa. i tried to tell the collector that she had the wrong information. she informed me that since i am disputing this debt i have to send a request in writing. this company failed to send me validation since receiving my account in XXXX and even now refused to send me my requested information. there are many more stae laws and regulations that this company violated and im really upset over it.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-27 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Greetings, I have reached out to Experian on two separate occasions my first letter was dated XX/XX/XXXX and the second XX/XX/XXXX. I provided them with a copy of my government-issued ID and my official W2 which has my social security number on it. Furthermore, their refusal to investigate after two requests is a direct violation of my rights as a consumer under the Fair Credit Reporting Act ( FCRA ). As a consumer, I have the right to fair and accurate reporting of my credit report. It is my understanding that under the law they have 30 days from the receipt of my letter to verify the items questioned. It has now been longer than 30 days. This constitutes the reason for the immediate deletion of all items disputed from my credit report which were provided to in both letters. { FCRA 15 U.SC. section 1681 ( 5 ) ( A ). Also, pursuant to 15 U.S.C. section 1681i ( 6 ) ( A ) of the Fair Credit Reporting Act, please notify me that the items have been deleted. You may send an updated copy of my credit report to my address. According to the provisions of 15 U.S.C. section 1681j, there should be no charge for this notification.

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