vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-16 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Wells Fargo sent me personalized marketing offering a 12 month 0 % interest promotional period for opening a XXXX XXXX XXXX credit card. As an existing Wells Fargo credit card customer, they have the right to use my customer information to market to me. 

I applied for the card at the end of XXXX and finally received my card on XX/XX/XXXX. I spoke to Wells Fargo representatives about the account on XX/XX/XXXX, and then several times after that when I was surprised to see that I had a minimum payment due. Previous experiences with Wells Fargo and XXXX credit cards did not have minimum payments due during promotional periods. They told me this one did. 

On XX/XX/XXXX I saw an interest charge when reviewing my online statement. I contacted the company to correct the error, as I was within the 12 month promotional period. I was told that because I had opened a Wells Fargo XXXX Visa in XX/XX/XXXX, I was ineligible for a promotional rate. 

Wells Fargo had ample opportunity to notify me of this during any of several previous calls about this account. Further, Wells Fargo should not have marketed to me offering a 0 % promotional rate if I was ineligible. Further still, I believe that opening a card on XX/XX/XXXX is more than 12 months away from the second open date of XX/XX/XXXX. 

This was deceptive and deprived me of the ability to manage my finances. I can not close this card without repercussions to my credit. I can not open another card with a different provider without repercussions to my credit. I have been choosing to save heavily rather than pay off balances, because I thought I had a 0 % line of credit, which caused me to incur interest charges I could have avoided. 

This is deceptive and a " bait and switch '' advertising tactic. Wells Fargo made no reasonable effort to notify me of this ridiculous rule ( which I did not experience with XXXX or other providers ) and hid it in the " fine print ''.

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 2019-01-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
A XXXX XXXX ACCOUNT # XXXX Is still reporting against me with the full balance on my credit report after they've sent me a 1099 to count it as income on my taxes. I've paid the debt with the Irs and they've collected their losses.I have tried to contact XXXX XXXX on many times and was ignored. I've disputed the account with the bureaus and sent proof and was ignored. They only sent back letters that said we received a suspicious request or verified. If someone was actually doing their job This account would've been removed.

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 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: VA

Complaint narrative:
I have been trying to pay down my balance on my Discover IT card. Discover had usually applied payments made online same day, but now that I am paying more they have delayed posting the payments for 2-3 days. Since interest is compounded daily, this increases my interest charges unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Convergent Resources, Inc.
State: IL

Complaint narrative:
Around XX/XX/XXXX I got a call from convergent collection agency stating that I owed an {$800.00} debt to XXXX, and they were pressuring me into paying over the phone at that time, so I told them I would call back, and I reached out to XXXX, seeing as how I am a current customer with them and have never missed a payment. The representative that I spoke to checked my current account that I had joined with my husband, and didnt find any descrepancies. From there he attempted to check the account we had closed out in store, when me and my husband merged phone plans. He stated he was locked out of the account since it was closed and I never set up a pin for it, but that it did not come up as flagged as delinquent nor did it flag as being sent to a collection agency. On XX/XX/XXXX I checked my credit report which I do quite often, and it showed a delinquent mark/ debt collection from XXXX. I called XXXX and after allot of being sent back and forth they were finally able to retrieve my closed account, and then confirmed that I had an {$830.00} bill that they had sent to collections. My complaint and what I would like to fight is that I closed my account and added a new one, The same day in store. And would have payed any balance I had if I were told. But not only did the in store manager not inform us of that there was anything unresolved with the account, we never got any bill, or any communication from XXXX saying that I had owed them anything. I closed that account out in XX/XX/XXXX, but was still a customer with them, in good standing, and it took 2 years for a debt collector to reach out to me about the balance, that XXXX representives could not verify until a few days ago. Now my credit report is damaged, and I would like to fight this. I would pay what money I am found to owe, but I would like this expunged from my credit

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 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have a debit card and 2 credit cards with Bank of America. One of the credit cards holds a XXXX balance ( Mastercard ), whereas the other card actually has a balance ( Visa ). I generally pay $ XXXX  monthly to the Visa credit card ( which holds an actual balance ) by transferring the funds from my debit account via the Bank of America App. On XX/XX/19, I accidentally made the {$250.00} payment to the Mastercard credit card ( XXXX balance ) which resulted in a - {$250.00} balance as of XX/XX/19. I decided to just transfer the {$250.00} payment from the Mastercard back to my debit account, which would make the - {$250.00} balance go back to {$0.00}. I was charged a cash advance fee of {$12.00} for the transfer. I quickly paid it off today on XX/XX/19 then called Bank of America regarding the situation. I wanted the fee reversed given the unique nature of the situation ( since the Mastercard held a XXXX  balance to begin with and just went into the negative ). Bank of America advised there was nothing they could do regarding this fee given the circumstance.

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 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MA

Complaint narrative:
Nationstar Mortgage ( dba ) Mr Cooper -- the company holding our mortgage -- increased our escrow payment amount required for XX/XX/XXXX by $ XXXX/month ( $ XXXX/year ) 62 % [ from {$500.00} to $ XXXX/month ].  Our tax and insurance increase for the same tax period was {$340.00} ( ~2 % ) for the year which works out to an increase in monthly expenses of {$29.00} ( property tax increase $ XXXX/year ; property insurance increase $ XXXX/year ). 
We had been using excess cash to pay down our mortgage by increasing principal payments. We had asked the mortgage co. on XX/XX/XXXX ( XXXX : customer service @ XXXX ) to refund us the 3.625 % ( interest rate on mortgage ) we would have saved on that amount durning that time period. We were told they do not pay interest on escrow accounts. We find this sharp increase to be unethical and unsettling if not illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
It is too late, ,they went to court already,,, i tried to make it but fell down after finally finding a parking space that was for XXXX on street rather than upstairs in parking lot.

i got the thing delivered in mail that i have 30 days if after the sheriff will come and move me out.

it would help if they gave me 60 - 90 days as i have to find a basement or first floor and someone to move me. i stopped my lawyer after house was going to auction.

I have called and emailed Wells Fargo every day and talked to Foreclosure specialist XXXX XXXX who you have talked too and nothing happened, Thanks for caring. I do not know what to do!!!!! Maybe i will have have another XXXX XXXX and they will be happy cause they will get the house sooner. Don't worry i would never kill myself!!! i am the daughter of XXXX XXXX XXXX ( deceased )

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 2019-01-16 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: IN

Complaint narrative:
Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my Transunion  and XXXX  credit reports immediately.

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 2019-01-16 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: IN

Complaint narrative:
Noticed a collection account from a XXXX XXXX XXXX that first appeared on my credit report in XX/XX/2018 for {$480.00} I sent two certified letters demanding debt validation with return receipt. First one dated XX/XX/2018, the second one XX/XX/2018. No response was received from either letter. ( Copies attached ) This account is not mine and I dispute as was outlined in the letters I sent.

I want this information removed from my XXXX  and Equifax credit reports immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
On XX/XX/2018, at around XXXX XXXX, my debit card was used online at XXXX to purchase a XXXX XXXX Gaming Laptop for {$790.00}. The card number used for the order was stored on my XXXX online shopping account. The order was not placed by me, and was done so without my knowledge or consent. 

On XX/XX/2018, at around XXXX XXXX, I called XXXX customer service to report seeing the fraudulent transaction online. I notified the XXXX customer service representative that this was a fraudulent charge and requested the order be cancelled. The representative assured me that the order was then cancelled and advised me to change my password, which I did. I then called my bank, Chase, to report the unauthorized charge. Chase cancelled the card that was used for the transaction, and credited my account back the {$790.00} since it was reported as being fraudulent. 

On XX/XX/2018, I learned that XXXX denied the fraud claim filed by Chase. XXXX states the order was delivered, and was therefore not fraudulent. This caused a claim reversal charge of {$790.00} on my bank account. The order in question was not received by me. I then contacted XXXX  for more information regarding the alleged delivery. 

The XXXX  representative informed me that on XX/XX/2018, a XXXX employee called XXXX  to request a delivery change of address on the order. The person changed the delivery address from being my home address to a different address, somewhere in XXXX. I did not place this call nor did I have any XXXX representative call XXXX  on my behalf to edit the delivery address on this order. 

The data provided through the XXXX  tracking number confirms the item was delivered to the newly changed delivery address, at XXXX XXXX, on XX/XX/2018, and was left on the front porch. I has no affiliation with this address and therefore, did not receive the order. 

A representative from the XXXX claims department was on a recorded call with myself and a representative from Chase bank and stated that the charge was fraudulent and XXXX wrongfully denied it at first and would not dispute the claim again. The XXXX rep advised the Chase rep to go ahead and resubmit the fraud claim on the transaction, which would refund me. The Chase rep said since it was already submitted and deemed as " non-fraudulent '' they can't resubmit it, even though they have solid evidence and a police report stating it was indeed fraudulent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-01-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citibank has continually assessed overdraft fees to my account in violation of the XX/XX/XXXX Overdraft Protection Law. When I contact the bank about this issue, they deny that this law exists or that they have done anything wrong. They claim it is part of my bank terms of service, but I never opted into the program and they can not provide any contract or paper trail confirming that I have opted in.

Details : Assessed {$34.00} overdraft fee on XX/XX/XXXX Contacted bank on XX/XX/XXXX Bank employees told me this was " how all bank accounts work '' and denied that there is any overdraft protection.

Refused to waive the fee

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 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I have my account setup on AutoPay for the minimum balance. On XX/XX/XXXX I incurred a {$2.00} minimum interest charge. I was appalled. I contacted PayPal customer service who refused to wave the {$2.00} interest as a courtesy.

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 2019-01-16 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: DFC Global Corp.
State: CA

Complaint narrative:
I took out a personal installment loan for {$5000.00}. I realized it was at a high interest rate but never did I realize the excessive rate. I have a payment of {$550.00} per month and yesterday I found out from the creditor that only {$10.00} per month of that is going towards principle. I would have NEVER taken the loan if I had known that was the case. It was not explained to me in the loan process. 

I TOTALLY realize that there are a lots of places out there like this one. I have  had them before but never to this extent. 

My complaint is that creditors should first of all explain this upfront in the loan signing process. Our government laws should but NEVER allow companies to rip off people this way. My credit scores are low but I do make my payments. 

I also want to know the organizations and/or government agencies that are working on correcting this abuse to consumers so that I can follow up with them. 

I will also be sending a letter to congress voicing my option. 

Any information that you can provide me to get involved in stopping this is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
XXXX XXXX is Charging me {$620.00} a month for Escrow. 
My annual property taxes is {$3400.00} My annual homeowners insurance is {$820.00} That should make my escrow about {$350.00} a month. 
they are overcharging me {$260.00} a month and I can not get them to reduce it. 
I do have a year end statement and I also have a report from my insurance company. I have called before and ask your team what to do and I have can not get Huntington to stop taking so much. 
Can you help?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: KS

Complaint narrative:
My Fico score went down within 2 days from XXXX to 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 2019-01-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: MA

Complaint narrative:
XXXX XXXX has had my account for more than a year for the Public Student Loan Forgiveness Program. As of today ( XX/XX/XXXX ), they still have not provided me with how many qualifying payments I have. I have made repeated requests, and they still will not provide me with an email or response via mail. I recently became unemployed and they provided me with incorrect information and advised me to put my loan into Employment Forebearance. My loan should have stayed in the IBR plan with a {$0.00} amount due so I would still get credit for a qualifying payment ( this information was provided on XX/XX/XXXX ). When I spoke with customer service on that date I was told I had either 48, 54 or 57 pending qualifying payments. After a year, they still don't have a set number. I then called back on XX/XX/XXXX, XX/XX/XXXX ( after hearing back from my local attorney general 's office I was told to keep the loan in the IBR and requested it ), XX/XX/XXXX and XX/XX/XXXX. Each time in XXXX that I called I wrote down the employee 's name and ID ( they didn't want to give it to me ) and requested an email or letter stating what I requested. The employee told me they would send one but I have yet to receive anything. I have even spoken to supervisors with no recourse. At this point I have no choice but to put my loan into forebearance and lose out on qualifying payments. Their customer service is so confrontational that they make me physically and emotionally ill!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
This company continues to viciously attack me with no proof of any debt that supposedly stem back from XX/XX/XXXX- almost 7 years now for the amount of {$1300.00}. I have filed a police report and have retained an attorney against this Collection Agency- Commonwealth Financial , which have been sued over 77 times already AND LOST. This company needs to be shut down. According to the FCRPA, they are to prove such alleged debt with Validation NOT verification witch include an itemized break down of services that were supposedly rendered and not just a statement of random of amounts. I have never lived in XXXX XXXX, Nevada or have been there. The so-called dates of service are from XX/XX/XXXX-XX/XX/XXXX This company continues to ruin my credit standing and arbitrarily post and file reports on my credit reports. This company should not have access to my Social Security number in the first place. This company keeps accusing me of unpaid debt! I viewed a statement that was sent to me by Commonwealth Financial from a provider in XXXX XXXX Nevada, and this so-called original creditor is based out of XXXX XXXX Nevada! All previous allegations by this company have been removed ; nevertheless, they continue to erroneously post alleged debts! I need this resolved immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I am a XXXX XXXX XXXX member and also have their XXXX XXXX credit card. XXXX advertises a product called the " XXXX XXXX '' which, after accruing enough points during a calendar year, allows for a travel to designate a XXXX who flies with them for free - it has significant monetary value. 

In early XX/XX/XXXX, I checked my account and noticed that I needed approximately XXXX additional points in order to requalify for the XXXX XXXX  in XXXX. I checked my XXXX credit card statement payment date with Chase ( the issuer of the XXXX XXXX card ) and saw that my next payment date was XX/XX/XXXX and that I would be being enough money such that it would translate into the additional points needed to qualify for the XXXX XXXX 

In XX/XX/XXXX, I checked my XXXX account and noticed that I did not qualify for the XXXX XXXX, so I called XXXX. I was told that although the credit card payment was made on XX/XX/XXXX, that my points " always post '' on the XXXX of the month and that it was my responsibility to understand this. 

My complaint is that this is an unfair and deceptive practice. From the customer 's vantage point, points are accrued when one flies ( i.e. the flight dates ) and when one pays their credit card - it is unreasonable to expect that the layperson would know that there is a material lag between payment and posting dates which, in this case ( and probably many others ), could result in failure to obtain a marketed benefit with material monetary value.

Company response to consumer: Closed with explanation