vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I honestly dont think i was the only one affected. Notice its NOT + {$9.00}, its a debit of {$9.00} Wells fargo basically LOST {$9.00} of mine in my CROWN checking account & can not give an answer as to its whereabouts! This has been happening in my bank & im busy just like everyone & have no time to moniter a bank whos reputation is infraction after infraction of fraud. 


Last night at XXXX i deposited a {$100.00} bill in wells fargo crown checking to cover my reacuring mortgage with them of {$1000.00}. 
& That {$100.00} bill deposited shows as pending, yet its cash, its there in the balance. Still WHY pending? 

But below is the main problem.. 

& second my balance before the {$100.00} deposit was. {$1000.00} & after the {$100.00} bill deposit, the balance showed {$1100.00} on the ATM & on the email receipt i received. 

Now this am my crown balance is {$1000.00}?? 

Thats {$9.00} missing & i see no evidence of the {$9.00}. Not in the wells fargo app, not in wells fargo online, no where. 

I just closed the phone after calling wells fargo & they have NO CLUE where my {$9.00} & XXXX there starts insulting my intelligence asking me if made a transaction for {$9.00} & said it could take days to post??? REALLY?? 

wells fargo posts debits IMEDIETLY, i have all documents to proove my complaint is valid. 

Last week the woman at wells fargo said they are having information problems. You can see how little money i have

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 2018-01-05 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: EQUIFAX, INC.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I paid Capital One {$400.00} and they carged me {$200.00} in interst.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: EQUIFAX, INC.
State: LA

Complaint narrative:
The credit bureaus reached a settlement and announced, that tax liens, judgements and public records would be removed from the credit report, if the public records, did not contain certain basic identifying information : A person 's full name, address, social security number and date of birth. The requirement is that 3 of the 4 identifying information, points. Must be contained in the public record, to report it on the credit file as of XXXX 2017 ( these files, must be removed ). The minimum frequency of physical courthouse visits, to obtain newly recorded and updated public records, is ( at the very least ) every 90 days. The credit bureaus, has not physically, had a representative visit the courthouse ( s ) for public records filings and have used online services, such as XXXX for acquiring the information and has reported, this information provided, by a third party. Without any verification process, as required. And using a online service is not, within the physical visits, requirements, as set forth. 

I checked my public records and there are tax lien ( s ), listed on my credit report. 
which does n't meet the requirements to report on my credit file. There is no social security number, no date of birth, my full name is not disclosed, as well as a incorrect address. XXXX has removed the tax lien ( s ) from my credit report, as required. 
But, Equifax and XXXX, still have tax liens, listed on my credit report in violation of the new established agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-05 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: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Wells Fargo signed me up for a credit card without my permission. I am wondering if I can get the credit card and all the things that affected my credit wiped off. And if I close the credit card, will it affect 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 monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: NY

Complaint narrative:
I recently had a loan modification done with Ocwen and I mailed Ocwen money orders on two occasions one in XX/XX/XXXX and again in XX/XX/XXXX in the amount of {$3800.00} as of today they refuse to post the payments to my account. When I spoke to Ocwen on XXXX XXXX 2018 the relationship manager told me that the might not be able to accept my XX/XX/XXXX payment because she is not sure if they are going to accept the {$3800.00} I have to wait on the loan modification team. Ocwen is very unprofessional in dealing with home owners mortgage and most of the time the reps all give you different answers to questions ask and also concerning your loan with them. This is very stressful for me not knowing what is going to happen with my home,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: TRANSCARD, LLC
State: IL

Complaint narrative:
Earned a {$100.00} prepaid debit card from XXXX in XX/XX/XXXX after sitting through lengthy timeshare program. Used several times, then card stopped working on the machines/stores I tried using it on. Friend suggested I clean with alcohol, which I did. Used on XX/XX/XXXX, declined as " expired. '' Check account on XX/XX/XXXX and saw remaining funds of XXXX were removed on XX/XX/XXXX. Called costumer service # ( XXXX ) XXXX, and explained problem ; requested funds returned and extension and was informed that the funds are gone and there is nothing I can do. Spoke to XXXX, manager, who refused to give me last name or employee ID number. 
Having read on prepaid cards before, my understanding is that funds do not expire legally for 5 years. Additionally, it should be mentioned the printing on the card makes the expiry date impossible to read at a glance. I was surprised to find that after 6 months, my funds were removed, and considering my issues with the card, was dismayed that no consideration was given to extending funds earned. My husband and I both wasted hours of our precious family vacation time with the promise of {$100.00}. I feel the circumstances merit some sort of recognition and assistance to ensure people can use the funds they funds they are promised.

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 2018-01-05 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: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
XXXX client, XXXX XXXX is a victim of identity theft. He was notified by Chase/XXXX XXXX of a fraudulent application submitted with his information without his consent. A current XXXX and XXXX credit report shows the Chase Card/XXXX inquiries reported XX/XX/XXXX ; XX/XX/XXXX and again XX/XX/XXXX ; formal disputes of these inquires were submitted to Chase XX/XX/XXXX and again XX/XX/XXXX however Chase has not replied to my client which is a violation of the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 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: CITIBANK, N.A.
State: CO

Complaint narrative:
My credit report has a revolving XXXX account that is reported as being an open account. I contacted a XXXX credit specialist who stated accounts are not reported on after 7 years and there was no record of any account in my name. The account is being reported as open still.

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 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
In XXXX 2017 and paid $XXXX to the collection agency. The collection agency removed their reporting to the credit reporting agencies and now I'm asking if this can be removed as well. I'm in the process of trying to buy a home for my XXXX son.

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 2018-01-05 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-05 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: TN

Complaint narrative:
Equifax Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Applied for American Express card for 0 % balance transfer. I was charged 3 % of the balance transferred. Upon approval I transferred of {$3900.00}. On XXXX of 2017. They have been charging me " finance interest '' for the past 3 months. I 've been calling each month they rectify it and then the next month it happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in 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 2018-01-05 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Lost or stolen check — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
Prepaid Card Services of US Bank indicated to me by letter ( attached ) on XXXX XXXX, 2017 that I would receive a check for US {$500.00} in a period no longer than 10 days as a refund of the stolen money to my card finished in XXXX. 
After waiting 45 days, the check for {$500.00} was never sent. Since I do not know what problem they could have to send the check, in order to solve this problem.

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 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I took a 7-day free trial with XXXX XXXX belonging to XXXX XXXX XXXX, an Experian company. In order to cancel it you must call their toll free number. I have called and called. And waited for over an hour, even though wait time was supposed to be 15 minutes. No answer. They are charging my card on file for a membership that is impossible to cancel.

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 2018-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX Reporting Agency has listed following address as to be a past address : XXXX XXXX XXXX XXXX, Ky. XXXX I have NEVER loved at this address. I need it to be removed from my credit history report.

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 2018-01-05 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: WA

Complaint narrative:
The loan servicer, MOHELA, constantly calculates the incorrect payment amount when the interest rate resets on my variable student loan. MOHELA 's payment calculation fails to account for pending monthly payments, thus using a higher loan balance in the calculation, resulting in a higher monthly loan payment. MOHELA always recalculates the loan payment amount on the day that my monthly payment is made, so there is always a pending payment when the calculation takes place. I provided electronic correspondence to MOHELA months ago, informing the company of this issue and have not received a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: EQUIFAX, INC.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
There are many mistakes appear in my report without my understanding.

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 2018-01-05 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Beginning in XXXX of XXXX, I separated from my spouse and began the divorce process by moving my residence twice. On numerous occasions, I contacted Chase regarding both of these changes. Despite my efforts to have the bill sent to my new residences and / or e-mailed to me, Chase failed to follow through with this. I spent a great deal of time on the phone with Chase and many of our conversations became hostile. Because of this hostility, I firmly believe that I was intentionally targeted and one of my payments over the phone was not processed in retaliation. One month after my divorce was finalized, Chase reported a 30 day late on my account in XXXX XXXX. This was a complete slap in the face, especially because of the repetitive due diligence on my end to change two of my home addresses during the divorce process. I NEVER RECEIVED US MAIL CORRESPONDENCE BILLS AS REQUESTED DURING THIS TIME.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in 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 2018-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
Since when I opened my SSN this year I have been cleaning up my credit report due unauthorized requests/reports/updating personal info. 

Inquiries not cleaning up : XXXX XXXX XXXX - XXXX ( Already asked the company they removed one inquiry only ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX. 
XXXX XXXX - XXXX ( never hear back from the company ) - Last contact in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: EVERBANK, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I currently hold a loan with XXXX and have a discrepancy in the escrow account. My taxes on record show late fees as well as interest due to the company errors. They are collecting XXXX dollars a month for escrow on a total tax and insurance yearly account due of approximately XXXX. They are currently collecting double the amount of the escrow necessary. 

I have made XXXX calls to the company thus far with little or no answers from them. I believe they have no reported or paid my taxes properly and are responsible for any and all fees and interest charged since the date of my purchase in XXXX. 

I need help with this issue immediately as the new loan amount is very difficult to maintain with an extra XXXX or XXXX a month tacked on to the account. I have requested an escrow analysis 6 times since XXXX without any action taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-05 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
XXXX XXXX placed a collection on my Experian, XXXX credit report and XXXX credit report on XXXX XXXX, 2017 stating that I owe a balance of {$2200.00} I never signed a contract with this company to agree to pay any debit 's owed. Therefor I am not responsible for any debits owed to this company

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 2018-01-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Per my statements, starting in XXXX, XXXX XXXX XXXX began implemented a minimum monthly charge without notifying me. Since I had not made any purchases using this card I was not checking my online account/balance. I was unaware and the minimum charge subsequently resulted in 3 months of late fees and delinquency which is now noted on my credit report. I already had 2 months of delinquency on this account so this extended period of delinquency has resulted in my FICO score dropping 120 points. XXXX XXXX XXXX did refund me the payments I made for the late fees and minimum charge ( {$7.00} ) but the delinquencies have not been removed from my account. When I contacted the company about this they had obviously realized their wrong doing and terminated the monthly minimum charges. Additionally, I had been enrolled in automatic payments for the minimum balance due back when I used the card more frequently but they were no longer being completed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: AL

Complaint narrative:
Portfolio Recovery is stating I owe a debt of {$1300.00}. There have been multiple attempts to dispute this claim via mail over the past couple months because this is not my debt and fraudulent activity with this account. I have never signed a contract, spoken to anyone by phone, or received any paperwork from Portfolio Recovery stating that I owe the debt or details of the debt.

Company response to consumer: Closed with explanation