vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: TX

Complaint narrative:
XXXX, Received a Visa pre-paid gift card in XXXX from this company that charged a XXXX $ monthly service fee starting at " activation. '' The deceptive component to this is that I did not activate the card until trying yesterday. I discovered that the card was activated upon purchase unbeknownst to me because I didn't even take it out of its card board packaging therefore I didn't notice the sticker with fine print stating the card was activated already. 
This is the first and only time I have experienced a " pre-activated '' visa charge, debit or gift card and always in the past having to physically make the call for activation. 

Then on the back side of the card and in even smaller print is a notice that a XXXX $ fee for " inactivity '' will be deducted from the amount of the card monthly even though the expiration date of the card is another 5 years away in XX/XX/XXXX. 

Seems deceptive and illegal.

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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc.
State: FL

Complaint narrative:
Conns furnitureLocated in Texas company has used 273 different phone numbers to call then hang up incessantly if payment is late I have asked them to stop on multiple occasions and I believe after consulting with counsel this is a predatory action

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported Experian still does not have my correct telephone number and even though I have reported and repaired the number multiple times. XXXX is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!

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 2018-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I opened my Wells Fargo Business Checking account on XXXX in a local branch ( in North Carolina ). When opening the account, I registered with a {$500.00} new account promotion ( using a personal promotion code : XXXX ). The promotion required a {$2000.00} deposit / balance in the account for 60 days and 5 debit card transactions. The {$2000.00} deposit was posted on XXXX and the debit card transactions were processed on XX/XX/10. It has been more than 60 days since completing all required bonus terms. I have contacted Wells Fargo online support multiple times and they have been unwilling to assist. I have contacted my local Wells Fargo branch multiple times to drive resolution - each time I have been told I will receive a call back but never do. I filled out a " Missing Incentive '' form with a phone agent on XX/XX/10 and still have not received my {$500.00} bonus. I find it very misleading that Wells Fargo dangles these promotions to small businesses and then does not follow through, no matter how hard you try to get them to fulfill their obligation. I am happy to share a copy of the bonus terms with the CFPB or Wells Fargo ( uploaded as an attachment to this case ).

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 2018-12-21 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: ProCollect, Inc.
State: CT

Complaint narrative:
On XX/XX/2018 a letter from XXXX XXXX which holds my Home Equity Line of Credit was sent to me saying that my funds were no longer available due to a report to the credit agency XXXX. I went to withdraw money for home improvements on XX/XX/XXXX, however I had not opened the letter from the bank at that time. I was denied access to my loan. I came home checked my credit report and there was a collection notice from Pro Collect Inc. of XXXX Texas in the amount of {$1000.00}. This amount is related to a judgement for a relative with the same last name and address as mine. Pro Collect has no documentation of any judgement against me because there isn't any. The amount matches the judgement amount for my relative. I called Pro Collect on XX/XX/18 and they refused to work with me. I have sent them a certified letter on XX/XX/18 telling them to remove this false report on my credit. I have also sent letters to all the credit reporting agencies on the same date. I made a dispute online with the credit agencies on XX/XX/18.

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 2018-12-21 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: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Experian but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my 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 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XXXX XX/XX/2018, an unauthorized transfer of {$3700.00} from my joint checking account ( USAA ) to an unknown account ( later determined to be XXXX XXXX XXXX XXXX. I immediately notified my bank, USAA, that same morning, XXXX XXXX, of the fraudulent transfer. I also followed up in writing to USAA on XXXX XXXX, XXXX XXXX, and XXXX XX/XX/2018, and requested the funds be returned to my account and that they pursue the fraud investigation. USAA responded on XXXX XX/XX/2018 that their fraud investigation is complete and they determined no fraudulent activity. On XXXX XXXX, USAA responded that their decision was based on multiple USAA system security records. Apparently the fraudulent wire transfer occurred due to fraudulent online access to my USAA checking account. USAA has failed to return the funds to my account as requested and they have failed to adequately investigate this incident. 

On XXXX XX/XX/2018 I notified XXXX XXXX XXXX, by both mail and email, of the fraudulent transfer to their account. XXXX XXXX XXXX responded that I must first work with my bank, USAA, to contact them about the fraudulent activity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
It evidently does not matter how many times I open a report it NEVER gets resolved! Access to reports via on line or telephone just does not work. Example- even though reported XXXX still does not have my correct telephone number and even though I have reported and repaired the number multiple times. Equifax is on a planet by themselves. You try getting through as a citizen. My last complaint asked for a written clarification these entities do NOT use off shore out of country organizations to service our confidential information- we did not get that- even when I called and got someone off shore who stated they could help me with my account issues. So much for security!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 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: FL

Complaint narrative:
My loan payments were always sent on time. I keep explaining this to Equifax but they keep on saying that the accounts are accurately reported and they have verified it. The accounts were not reported correctly and I would like it fixed. Please CFPB step up and correct the status because I was never late on my XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
In addition to my complaint on file XXXX, the town has responded via email. XXXX XXXX from the XXXX tax collector : " Good Morning XXXX, Per your request after our telephone conversation today, I am attaching all documents concerning the tax abatement and refund to the above tax account XXXX. 

This refund request will be submitted at the XX/XX/XXXX monthly City Council Meeting where it is most certainly will be approved. This will produce a physical refund check that will be mailed to XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX. 

The check should be mailed out of our office approximately the last week of XXXX or first week of XXXX. 

As you can imagine, XXXX is a tax collection month which keeps our office very busy and refunds of abatements and overpayment 's follow. 

If you have any questions, please feel free to contact me. " On numerous phone calls I was advised by XXXX XXXX that their abatement department would be reaching out to the town of XXXX but to this date they have not made any efforts. In addition, not sure if this matters but the vehicle was returned on XX/XX/XXXX which I have receipt of from the dealer. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
XXXX XXXX make it a practice to periodically check customer 's credit reports apparently. Then based on that they lower credit limits. I understand that they think this is necessary even if the customer has am excellent history with them which does not seem to matter. However, It is totally unethical to lower credit limits that are intentionally below a customer 's balance causing them purposefully to be over limit which intern they quite promptly report to the credit bureaus. When purchases were made they were made with the perception that the amount used was available at the time. These practices are not only unfair to the consumer they are unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN

Complaint narrative:
THE NUMBER SHOWS UP XXXX LEAVES MESSAGE TO CALL XXXX TO DISCUSS FURTHER DETAIL DOESNT SAY WHO THEY ARE CALLING FOR AND GIVE THE SECOND NUMBER TO CALL BACK DONT MENTION WHO THEY ARE I BLOCKED THE XXXX NUMBER BUT THEY STILL LEAVE A RECORDED VOICE MAIL FROM THE XXXX FROM WHAT IS XXXX AND WHAT MANY OTHER PEOPLE PUT FOR THE SAME NUMBER COMES UP AS CAPITAL ONE AND SCAM

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
On Friday morning XX/XX/2018 I tried to make a payment on my XXXX XXXX credit card. I tried using XXXX web browser and received a message that the data was not encrypted properly and attackers would be able to steal my information. I have been making my credit card payments in the same way for the last year and never had this problem. I called the company and was told to use XXXX XXXX as the web browser. I got the same message from that browser. I called the company back and was simply told they are not aware of any problems. The customer service person stated there was nothing wrong with the company web site or security. The person didn't even want to forward my information to IT. The company should look into the insecurity of their system and advise customers.

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 2018-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: NH

Complaint narrative:
I had a XXXX XXXX XXXX  credit card from American Express. Under the " Offers '' section of their website they offered me a bonus of {$250.00} to upgrade the card to a XXXX XXXX Preferred Card and spend {$2000.00} within 3 months. I received a bonus in XX/XX/XXXX and eventually downgraded the card back the XXXX XXXX XXXX after realizing that the annual fee would not be worth it to me. 

In XX/XX/XXXX I was again directly offered the same deal in my " Offers '' page. The terms did not say anything about only being able to do this upgrade bonus once, so I took advantage of the offer, upgraded the card to a XXXX XXXX Preferred using the bonus offer link, and met the spending requirement. Chat representatives from American Express have confirmed that I met the spending requirement and that the offer was attached to my account. I still have that XXXX XXXX Preferred Card but was never given the {$250.00} statement credit. Chat representatives have been blowing me off for 10 weeks saying that the investigation will take 6-8 weeks and the most recent one pulled up some offer language about them having the ability to deny the bonus due to " abuse, misuse, and gaming ''. I argued that me taking advantage of a marketing offer that they specifically sent me and that I met the terms of is definitely not any of those, but they will not honor their terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have a membership with Experian Credit Agency where they show me what's on my credit report, recommendations to improve credit score, etc. They'd referred me to look into a personal loan with a company called XXXX XXXX. I'd been verified and preapproved -- everything indicating there would be a 'soft ' inquiry on my credit so it wouldn't impact my credit score. In sending the final information requested, paycheck stubs, bank statements, etc., I receive a response that indicates they ARE NOT going to be able to assist me with the personal loan ( of {$4000.00} ) AND I now have a hard inquiry on my credit report. 

Based on recommendations FROM A CREDIT REPORTING AGENCY, I actually decreased by overall credit rating!! 

In attempts to contact Experian to discuss this with them, you only have access to a series of voice mail prompts none of which actually give you the option to speak to an agent. 

I would like the hard inquiry placed on my credit report from XXXX, XXXX XXXX  is the servicing agent so I think that's what actually appears on my credit report. 

UPSET BEYOND BELIEF THAT AN AGENCY THAT IS SUPPOSED TO ASSIST YOU ACTUALLY HURT MY OVERALL CREDIT RATING.

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 2018-12-21 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ERC
State: VA

Complaint narrative:
This account does not belong to me, I was never informed I could dispute debt and or given a right to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Midwest Loan Services, Inc.
State: PA

Complaint narrative:
I XXXX XXXX, have been working with a housing counseling agency ( XXXX XXXX XXXX ) to resolve my mortgage arrears that occurred back in XXXX of this year. I submitted a modification packet through my housing counselor, and was offered a trial modification on XX/XX/XXXX. The three payment of XXXX were for the due dates of XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. My first two payments were sent and accepted, however the third payment ( sent prior to the first of XXXX ) was denied due to lender claiming that it was not received by the last day of the month. 
I am disappointed in the decision made by the bank and now have been faced with a XX/XX/XXXX sheriff sale of my property .I have made an attempt to resolve this matter to no avail. The lender Midwest Loan Servicing has now required that I submit new documentation, while not completely committing to the postponement of the foreclosure sale of my home.

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 2018-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I have disputed a old student loan that is still showing on my account. It is now over 7 years since it was first reported and should have been taken off my report by now. The original opened date was XX/XX/XXXX. The account was closed XX/XX/XXXX. I have disputed this through XXXX as of XX/XX/XXXX but they advised that it was verified as correct. I am not disputing that the account is not mines but that it is over the 7 year timeframe for it to be on my account. 
Additionally this account has been removed already from my XXXX  Report and XXXX   Report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CT

Complaint narrative:
Hello, I sent XXXX to XXXX on XX/XX/18. The money was debited from my bank account immediately. I got a message saying that it will take 3-4 business days to process which was unusual normally the recipient can pick up the money on the same day. The transaction showed Pending for an entire week. After that, the transaction showed Cancelled, no explanation. I did not cancel it. All this time, I never got an email from MoneyGram. I emailed MoneyGram twice, no answer. I want my XXXX plus the XXXX fees. Transaction no. is XXXX. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: PLANET HOME LENDING, LLC
State: GA

Complaint narrative:
My wife and I work on XXXX XXXX XXXX in the XXXX XXXX XXXX XXXX world. 
About XXXX XXXX of our XXXX are in Florida and a good majority of them in the Florida XXXX area. In XX/XX/XXXX, Hurricane Michael effected about half of our commission business and houses that were supposed to be closed were damaged, destroyed or delayed due to the hurricane and subsequent flooding. 
reached out to my mortgage lender and auto loan companies for Hurricane Relief. 

All auto loans are now fine, they all granted relief and regular payments resume on XX/XX/XXXX and we are excited that are sales are up and income has been restored. 

We asked over 2-3 months ago for relief with our FHA mortgage payment and call, send documentation, call, send documentation, now they are wanting bank statements from my adult son 's account ( not on the loan ) where he loaned me money via bank transfer, etc ... Although in Hurricane relief they are reporting late to the credit agencies and their collections department keeps calling me simultaneously to the hurricane relief consultant asking for more data which we keep sending. 

They promised that on XX/XX/XXXX, we can catch up by making 1 1/2 payments per month, but could not put the missing payments on the end of the loan ; yet that still has not kicked in as well. They seem to be confusion Hurricane Relief with non willingingness to make payments. 

We are ready to go based on resumption of our business/income to make the 1 1/2 payment on XX/XX/XXXX ; if this is what they need ; although, noone there seems to be processing this. 

Please help them get organized. They have so much documentation. Past year 's tax returns, XXXX  's ( we are XXXX  XXXX XXXX XXXX, etc ) This is not a preforeclosure modification, just asked for Hurricane Relief per federal guidelines. 

Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-21 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: CL Holdings LLC
State: FL

Complaint narrative:
I was XXXX during this time frame and I would like this removed from my credit history also if I'm no5 mistaking the school shut down

Company response to consumer: Closed with explanation