vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We opened a Wells Fargo Checking Account on XXXX XX/XX/2019. WF Bank had an offer of {$400.00} Bonus credit to the account if direct deposits totaling at least {$3000.00} were deposited into the account in three consecutive months, within 150 days of account opening. The offer said the bonus would be credited within 45 days of meeting the criteria. Account had to be open with at least {$1.00} balance on the crediting day. 

We have met all the requirements. In the months of XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, our pensions totaling in excess of {$3000.00} was credited to the account, the last credit being on XXXX XX/XX/2019, This meets the criteria of three consecutive months of direct deposits of XXXX each within 150 days of account opening. So the criteria were met on XXXX XX/XX/2019 and the bank should have credited the bonus within 45 days which was XXXX XX/XX/2019. So far the money ( {$400.00} ) has not been credited. 

We have communicated with the bank via their online message portal. They contend that irrespective of when the third consecutive direct deposit is credited, they will count 150 days from account opening as the date the criteria are met, and then will take another 45 days to credit the bonus amount to the account. Their specific response was, " However, the account has not yet met the 150 day opening date timeframe, which is XX/XX/2019. The bonus will be deposited into your new checking account within 45 days of meeting the offer requirement. '' We have responded that the 150 days is the limit within which the 3 direct deposits have to be made, but otherwise has no bearing on when the offer criteria are met. The bank maintains that the bonus is not due until 45 days from 150 days irrespective of when we meet the " 3 consecutive direct deposits of {$3000.00} each '' criteria.

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 2019-10-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC
State: CT

Complaint narrative:
In XX/XX/2019 I closed on the refinance of my home loan.The mortage broker sold my account to a new loan servicer, Amerihome. Along with that I was able to skip a payment to my new loan servicer. I made the first payment to Amerihome Mortgage in XX/XX/2019. Before I could make a second payment, I received word that an escrow analysis had been done and I was approximately {$680.00} short and my payment would be increased XXXX starting in XX/XX/2019. My current mortage payment is XXXX. I want to mention that beforeI refinanced, I had changed mortage insurance due to rising costs and had a rate I was comfortable with. Also my state property taxes decreased this year. So the shortage was not due to takes or insurance increases. According to customer service, the shortgage is due to their requirement that I have an escrow extra reserve. Amerihome states I can pay the amount upfront if I do not want a higher mortgage payment, Otherwise I will pay a {$56.00} higher monthly mortgage payment for a year. I was also informed if I request, I can spread the repayment amount over 4 years. I am wondering if this escrow shortage is vital, how could replacement be dispersed over 4 years? I am wondering also if it is common practice to complete an escrow analysis on a new customer? I feel like Amerihome examined customers escrow who have a lower monthly payment and interest rate and reasoned that there is room for increase. I had a rough period 3 years ago with my mortgage payment. It helped my to refinance to a low interest variable rate for a while. I have now finally refinanced back to fix rate to what I thought was a comfortable payment to have it increased in less than 2 months? During my rough period I had XXXX as loan servicer. I am concerned to discover that they are associated with Amerihome. I went through the closing process, all the costs were calculated before the documents were signed. How could a loan servicer do this to a new customer and more importantly, they should have performed an escrow analysis before buying my account and possibly declined, to help prevent a situation such as this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
I already got the XXXX XXXX XXXX BILL FIXED but its still showing up on my credit score as if Im Im negative XXXX- this balance needs to get cleared already because consumers are looking at it & it looks like XXXXm negative and cant pay my bills & causing me to get denied every bank account. please fix this As for Bank of America someone stole my debit card and my loving information and accessed my online and made fraudulent purchases on my account and this too is causing me from opening up a bank account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
TL : DR Chase provides preferential treatment to customers who communicate with Chase via telephone. 

I has recently contacted Chase regarding an issue on its website that made it difficult for me to write short messages to Chase regarding problems with my account and with the use of Chase 's service that the bank advertises and makes available to other customer.

As you can see from the attached response from Chase, one of its representatives informed me that Chase will not be able to address my issues unless I contact Chase via the use of a telephone service. Chase had never described to me what specific information it needs from me that I can only provide to its representatives via telephone. The only explanation that Chase had was that its employees who support information technology services are not able to communicate in writing nor via electronic messaging systems nor via United States Postal Service.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: NC

Complaint narrative:
Hello Equifax : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior Equifax security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
This case involves my original creditor XXXX XXXX XXXX and my collector Midland Credit Management. Over a year ago after checking my credit report I have noticed that I had unauthorized charges on my credit card, which as I found out was a result of a credit card theft from my mailbox. I have contacted my creditor about that and they said they would close an account for me. After that, the balance was taken off my credit report. 

One month ago I was notified by my collector that I owe them {$870.00}. I have filed a dispute but they came back at me claiming that I still owe them this amount. On a statement provided by a collector, the charge-off happened on XX/XX/2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: NC

Complaint narrative:
Hello TRANSUNION CRA : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX  security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. XXXX seems to be the only CRA that is the least bit concerned about bad information populating consumers account. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!

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 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Incorrect address showing in my report. submitted an online dispute in the company 's website.

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 2019-10-27 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: NC

Complaint narrative:
HelloExperian : In regards to the entries contained in the attached dispute document of : I am disputing 100 % of this credit collection entry. This is a continued DEMAND that every one of the entries be removed and blocked asap from my name and personal information on file with the CRA 's in attendance of these entries. With the prior XXXX security breach, and many other identity theft breaches happening across the country, it looks like you are continually allowing bad data to take over your records. Consistent identity theft is on-going and you are not providing the needed level of security to make sure the wrong information is not reported on my account! I will not stand for this. Look at my history with you, in disputing junk and erroneous information. This does not belong to me and you are again, aiding in ruining my credit profile with this erroneous account. No other CRA seems to be the least bit concerned about bad information populating consumers accounts. You aren't as much ... why? 
See the attached document THAT LISTS ALL THE APPROPRIATE ENTRIES CONTAINED IN YOUR SYSTEM WITH REGARDS TO SLANDERING MY GREAT NAME AND PAYMENT HISTORY!

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 2019-10-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Incorrect address showing in my report. submitted an online dispute in the company 's website.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-27 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-27 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: NY

Complaint narrative:
I am a victim of identity theft

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 2019-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
TransUnion refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. XXXX, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. TransUnion continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, TransUnion re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for TransUnion. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.

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 2019-10-27 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: Nelnet, Inc.
State: AR

Complaint narrative:
XXXX refuses to remove a federal Stafford loan that was approved for XXXX Discharge on XX/XX/XXXX and met the 3-year post-discharge monitoring period on XX/XX/XXXX. Nelnet, the loan servicer for the U.S. Department of Education stated by letter that the loan would be reported to credit reporting agencies as discharged. XXXX   continues to report the loan as an unresolved dispute, not specified. Furthermore, since the loan was connected to a proven fraudulent student loan history that is massive known fraudulent signatories and a wrong university I never attended, I requested that the loan be removed from all credit reports and not re-posted. Additionally, XXXX   re-posted a phone number that was disconnected more than 3 years ago after removing it and informing me by letter that no phone numbers would be put on my credit report. I asked all credit reporting agencies to not post any phone numbers to my credit reports since I change the number frequently, sometimes 4 times in a month. All credit reporting agencies have compiled with the request to remove outdated, inaccurate information, and also, removed the student loan that is no longer subject to monitoring and thus no longer subject to being reported - every credit reporting agency except for XXXX. The other credit reporting agencies, including XXXX, are reporting correct up-to-date information, no phone numbers, and removed the loan that is connected to massive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: KEYCORP
State: IN

Complaint narrative:
Complaint XXXX - XXXX XXXX XXXX XXXX v Key bank Loan I have many times complained on this account Key Bank misses paying my Homeowners Insurance in my escrow account and the Key bank person handling this matter, XXXX XXXX, started off apologizing saying it was an introvert-ant error and now it has revolved into I have to contact and address by mail. This is a stalling tactic for bad service. 

Other customers get to call an 800 number and are serviced like I have been serviced before in which money has been wired into my Insurance account.

I guess this is retaliation for my complaints. 

XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
This communication is regarding the response Wells Fargo made in the complaint # XXXX. Well Fargo mentioned that they did the release of lien on XX/XX/XXXX. The release of lien did not transfer any title back to me. After doing some research on this issue we found that while the mortgage loan was in Wells Fargo Trust, on XX/XX/2009, XXXX XXXX cleared the title and transferred the title of our property. 
Wells Fargo as a loan servicer, does not have a right to fraudulently transfer the title of my property. 
XXXX XXXX clears/transfers the title when they receive notification/information from the servicer. 
By causing to fraudulently transferring the title, you have completely broken the chain of my title. Your title has never been transferred back to me. 
According to Mers, you were not even the mortgage servicer of the mortgage loan on my property since XX/XX/2009.

So here are the facts I have : 1. You caused to transfer my property title on XX/XX/2009.

2. Your right to service existing mortgage loan ended on the XX/XX/2009. 
3. You violated the RESPA, by not reporting the change of loan servicing.

4. You released a mortgage lien that did not transfer the title back to me.

5. You released the mortgage lien when you even lacked the right to do so as a mortgage servicer.

So please let me know if you have anything to justify yourself free of any wrongdoing.

Thanks in advance.

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 2019-10-27 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I began to review information on my personal credit file and noticed SEVERAL errors and inaccuracies. Based on my rights as a consumer, I began to request verifiable documentation for the items being reported. Upon contacting several agencies, I was alerted that information was not shared, thus, indicating that company 's response to the item in question ( Bankruptcy ) being verified was not only a deliberate lie, but also illegal. The company deleted this item from my credit files, THEN ADDED this item back, which is also 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 explanation