vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
In XXXX of  2021 I applied for a XXXX XXXX  credit card as I was prompted to  before I paid for items I was buying because it said if I used a XXXX XXXX credit card I would get free shipping when using my XXXX card on items I purchase online at XXXX. 
Suddenly, this week, I received a letter from Wells Fargo XXXX XXXX XXXX credit card ) saying that they were writing to  let me know that they stated all the XXXX XXXX credit card benefits when they sent me my XXXX card and  they were now taking away : 1. Complimentary standard shipping for online orders and  that I had to  make {$2000.00} in purchases before I could get free shipping and  that was EACH calendar year. 
2. That they incorrectly informed me that this benefit and  others, including bonus point offers, private shopping events, and  dedicated 24/7 customer service were incorrect. 
3. Charges for standard shipping for online purchases and  in-store gift wrapping will apply until you reach Elite status.

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 2021-11-17 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX, and Equifax Corporate Office representatives have been using my personal financial information to fraudulently report an account/public record that they have not been able to provide accurate reporting information. I have requested they provide me with the XXXX party vendors or additional information that support their reporting and they have refused. Therefore, they are stealing my personal information and knowingly reporting unverified information. On Tuesday, XX/XX/XXXX I had a phone call with XXXX Identity Theft Resolution Professional with XXXX. We completed one phone call to VERIFY an INACCURATE collection account that was reporting on my report. The phone call concluded that the company did not have information for me, and was not reporting. After all attempts of disputing this account, and they constantly reported that it was reporting and correctly, and then now with me urging them to call because I called and it was verified they received the correct information. We then made calls to VERIFY the information being reported for Bankruptcy and it was UNVERIFIABLE. This shows that none of the credit bureaus have attempted to accurately VERIFY accounts that are reporting when consumers initial dispute XXXX times.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/XXXX at XXXX am I recieved a call from ( XXXX ) XXXX ( wells fargo ). I spoke with the person on the phone who claimed to be from wells fargo XXXX department. They stated that a XXXX XXXX was attempting to transfer {$1800.00} from my account to his through XXXX. The man I spoke with instructed me to transfer my money ( {$880.00} ) to myself through XXXX using my phone number ( XXXX ) XXXX to cancel the pending transaction. I complied as the number was wells fargo 's actual customer support phone number. Once I submitted the transaction it immediately was completed but the money did not re-appear in my account as the man on the phone had stated it would. I later discovered that my phone number was no longer registered to my account and was instead registered to ( I believe ) this man 's account. So despite my intention to send the money back to myself it had instead been sent to this man 's account. I immediately called wells fargo and submitted a claim. 9 business days later wells fargo had completed the case but would not inform me of their decision. 5 business days later I recieved a letter in the mail from Wells Fargo stating that they would do nothing to return the money back to my account stating that the transaction had been completed as intended. They instructed me to contact the person that I had " sent the money to '' under the premise that I intentionally sent the money to them as a transaction for a product/service despite me clearly stating that it was intended to go back to myself. I never broke any codes of conduct with Wells Fargo but they refuse to refund the money back to me. I appreciate the help and look forward to your response.

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 2021-11-17 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: PA

Complaint narrative:
I am XXXX XXXX and I am submitting this complaint myself and there is no third party involved. My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Equifax. Despite sending them the last letter, dated XX/XX/2021, for the said request, I have not received any response up to this date. Besides, the inaccurate information about my accounts is still on my reports and I would like to request that that inaccurate information reporting on my account be REMOVED IMMEDIATELY. Equifax has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the accounts that are still reporting on my account : Charge off XXXX XXXX Account # : XXXX {$8900.00} XXXX XXXX  Account # : XXXX Balance : {$570.00}-

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
This is XXXX XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. This item is reporting 30 days late ( XX/XX/XXXX ) as reported in my XXXX Credit Bureaus. Lets correct this immediately. The Bureaus are required to verify for themselves, but they failed to neither verify nor update me about these complaints. 
COMENITYBANK/XXXX  ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open COMENITYBANKXXXX XXXX Opened XXXX XXXX, XXXX Balance {$0.00} Late Open XXXX ***** Opened XXXX XXXX, XXXX Balance {$0.00} Late Open

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Experian is not complying with the provisions of Section 611 of the Fair Credit Reporting Act of 1970. I asked for the removal of a XXXX XXXX  bankruptcy from my credit report because Experian has not given me the person or individuals and the court they contacted about this information so that I can follow up on my end.

All I have heard from them is that : '' Please be advised that an internal review was completed and results were mailed to you. '' This is not acceptable.

I have asked for the name, time, and date of the person to whom Experian spoke with concerning this derogatory mistake that is damaging my credit and costing me severe damage to my finance every year.

By my interpretation of Section 611 ( a ), it is understood that failure to investigate this mistake within 30 days constitutes a reason to permanently remove it from my credit file.

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 2021-11-17 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: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed ( letters attached to show when I disputed account below ) 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: AMALGAMATED TOKEN SERVICES, INC.
State: GA

Complaint narrative:
Amalgamated Token Services Inc., ( Coinlist ) offers XXXXy exchange functions. In XX/XX/2021 I transferred {$500.00} from my XXXX bank account, bought a XXXX called XXXX ( XXXX ) and signed up to have it staked. In XXXX I removed the balance from staking and it had appreciated by price to {$1100.00}. XX/XX/XXXX, I sold into USD but Coinlist is only allowing me to withdraw {$580.00}. I am not able to close my account or access my remaining funds and have sent several support tickets to request this be done. They are located XXXX XXXX XXXX XXXX XXXX, CALIFORNIA XXXX, XXXX XXXX. I've tried to reach them via email, XXXX, support ticket ... no response, no update.

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 2021-11-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
Navy Federal was sent a certified letter regarding my vehicle being in an impound lot that was signed for on XX/XX/2021. Navy federal did not inform me of this and the vehicle was later sold at auction by the XXXX police department. To this day navy federal is still taking my money for a vehicle that neither of us own. At the time my account was in good standing and I should have been notified before the given time to respond. I have attached all of the paperwork that I have received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: VA

Complaint narrative:
I was under covid forbearance for my mortgage with Navy Federal. I discussed options with them to come out of the forbearance and resume normal payments on my mortgage in XXXX. The loan modification option they provided would remove the interest charges that occurred during the forbearance period and roll in any missed escrow payments back into the loan, which I agreed to, total loan amount would be ~ {$320000.00}. I was told the paperwork would come in the mail, which it didn't. I called Navy Federal in XXXX to request an update on the process and was told it was sent to my email and would have to be redone. Even though I had talked to Navy Federal representatives several times over the passed two months on other matters, my mortgage account was never mentioned. After going through the options again with Navy Federal, I once again agreed to the loan modification and was told to watch for an Email from Navy Federal. I received the email a few days later and it was to resume my payments and a lump sum payment of any missed payments due at the end of the loan, which I didn't agree to. This time the amount due was ~ {$310000.00} with a ~ {$39000.00} final payment due at the end of the loan. After calling Navy Federal again, they realized the mistake and processed the loan modification request. This time the amount due on the loan is ~ {$340000.00}. After calling Navy Federal again, I was told they were no longer removing the interest charges that occurred during the forbearance and that this is the only option they would give and the additional {$34000.00} added to my principal balance was for escrow, interest charges and late payment fees. The representative refused to assist in any way and just repeatedly stated there's nothing that could be done and I missed my opportunity to agree to a lesser amount, effectively holding my house XXXX over me, either I agree or next steps will be taken against me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 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: Santander Consumer USA Holdings Inc.
State: PA

Complaint narrative:
I have filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. I want an answer immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Hello. 

I made a deposit to my account at a Wells Fargo atm machine located at XXXX XXXX XXXX on XX/XX/XXXX at XXXX. The atm was XXXX. I initially wanted to deposit over {$500.00} but since the atm only took up to XXXX bills at a time I had bills spit back out to me. I still was within my limit so I put more money back in to complete the deposit and the machine jammed on me. I took 5-10 minutes of me sitting there for the machine to say that it was experiencing a jam and unable to deposit my money. I was told to enter the amount that had already been deposited and they will credit my account. I then received a receipt after I entered the amount of {$400.00} saying that i was credited XXXX cents. The receipt reads We are already working to credit your deposit. Here is what you need to know : You so not need to take any further action. We have credited XXXX as a placeholder. We will fully credit your account within 2 business days. I still have this receipt and I wanted 2 days. I still wasnt credited the amount which I needed for rent. I called the customer service line and they put in a claim. When I called the claim specialist the next businesss day I was told that If i hadnt called nothing wouldve been fixed and checked for me. That was very sketchy and ridiculous to me. She then said that it would take up to 10 businesss days to be resolved. Ive contacted claims multiple times with no valuable update but to wait. Finally on the 10th day which was the 16th I received a claim letter that it was denied. When I called a claim specialist they said they didnt find me depositing anything. When I asked if they checked the cameras because I was there for over 20 minutes they said I would have had to been waving the money to the camera. At 10 at night?? Waving the money in a suspicious area I couldve been robbed easily. This woman name was XXXX. I had to send me to a manager above and she couldnt reach them. I also had them send me to the executive office and still nothing. At this point this is insane to me and I didnt even think this type of thing could happen. Wells Fargo stole my money and Ive been a customer with them since XXXX with no fraud on my account and no reason to lie about this situation. After submitting this report I have already talked to my lawyer and prepared to take more steps to get this situation resolved.

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 2021-11-17 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
I have already filed a dispute on the incorrect fraudulent accounts, inquiries and public records on my credit report with the credit reporting agencies and it has been very much over 30 days and I have not received any investigation results. This is unacceptable! Please fix this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Conn's, Inc.
State: TX

Complaint narrative:
Having gotten furniture with an ex significant other, the relationship did not last. All payments were made on time up until the split. When the split happened i was the on who moved out and my ex kept the furniture. 
I contacted the company after this ordeal and informed them to come get their product as i was no longer going to be in need of it. I gave Conns the address and contact info for my ex. 
They did not go collect product nor attempt to contact the other involved. 
They continued to bill me and sent contract into collections where they made some sketchy changes to the payments made/received on my account before sending to collections. Odd payment amounts for interest bearing and longevity. not professional. 
the fact they did not contact me or the ex to set up time to retrieve product and continued to charge/bill is bad business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: Avant Holding Company, Inc.
State: OH

Complaint narrative:
Credit Card from AVANT was sent to incorrect address, when corrected they stated they reissued the card on three different phone calls, card was never received or activated but they still billed the annual fee and put this as an open account on my credit report. Credit companies refused to remove it. I called several times regarding the {$39.00} annual fee they said I wasnt responsible for it because I didnt have a card but wouldnt put it in writing, wouldnt remove it from the account or my credit report. I had to cancel the account its been over a month back and forth with them. This place has shady practice, Ive never had a card show open until I actually activated the card. I never received a card from AVANT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CLGF Holdco 1, LLC
State: MN

Complaint narrative:
I contacted Genesis Financial for the debt owed on my XXXX Indigo account back in XXXX of 2021. At this time, it was reporting negatively on my credit report but had not yet shown up as collections on my credit report. Genesis Financial were not willing to negotiate the debt at all and had informed me that it had been sent to collections, XXXX to be exact. I contacted this company by calling XXXX and set up arrangements for a settlement to be paid in full on XX/XX/XXXX. I explained that I was getting ready to purchase a home and it was important to me to get things cleared up quickly and before any collections hit my credit report. The lady I spoke with assured me that they would contact the credit reporting agencies within two weeks of receipt of payment to report the debt as paid, settled in full. They drafted {$510.00} from my checking account on XX/XX/2021 and I received a confirmation letter shortly after confirming the debt had been paid. 
Today, XX/XX/2021, I checked my credit report as I WAS supposed to be applying for a home loan next month and XXXX showed up on my credit report as owing a balance of {$330.00} on an original balance of {$840.00} to Genesis Financial. I called the company to see what happened and they stated that there was a mix up in communication and the settlement was never reported to anyone, and not only that, but on XX/XX/2021 XXXX reported this debt that had been paid, as collections to the credit reporting agencies. Over 45 days AFTER the debt had been paid, they reported as collections, even though it had been paid. I am very upset and asked the person I spoke with at XXXX, since they knew it had been paid in XXXX and then still reported in XXXX if they could correct their error and contact the credit reporting agencies and have the collections account removed. They said they would not and was adamant that the information currently being reported was correct. I have PROOF this account was paid and have a letter from XXXX confirming receipt of payment and settlement of debt and they STILL WOULDN'T do anything to remove the account. 
I would like this debt to be completely removed from all three credit bureau accounts, as well as the original creditor to be reflected accurately, as it still shows that it's in derogatory status and unpaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Loan was originated with XXXXXXXX XXXX XX/XX/2020, and serviced by XXXX XXXX XXXX. We were notified the loan servicing would be transferred to XXXX XXXX effective XX/XX/2020. The payment was sent using XXXX  XXXX XXXX XXXX XXXX XXXX service XX/XX/2020 for a XX/XX/2020 arrival date. As of XX/XX/2020 they XXXX customer service claims to not have received the payment and have assessed a fee. I reached out to XXXX  and was given all the information, Conf #, date mailed, address ( confirmed with XXXX ), dollar amount and loan account #. All this information was provided to XXXX through their email resolution team. I followed up this morning and was told a copy of check front and back would be required to perform research, however if a check has not been negotiated, I can not provide copy front and 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