vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have been bank with Chase over 40 years. I am XXXX years old and half XXXX. Currently chase close my checking and savings without any notification. I dont have any prior notification before closing. My branch I always visit is Chase XXXX XXXX XXXX at XXXX XXXX XXXX XXXX, XXXX, CA. The bank manager : XXXX XXXX did not help me as a XXXX person. She always mistreat me bad and didnt let anyone to help me with my banking transactions since I am half XXXX. I am sure the reason my accounts are closed because she retaliates against me since I raised a lot of concerns for not being help as a XXXX person. I need more explanation why they treats me worse as a XXXX   person. I feel they violate my right and my XXXX. Also the other banker XXXX, she always refuse to help me. I try to reach to the bank area manager and she also returns no call. I need your help and You may reach me at my cell : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MD

Complaint narrative:
Today on XX/XX/2018 Ive received a text saying my loan forgiveness is expired I was confused so I called the number in the text thinking its my loan lender. I was greeted and informed from a third party loan service debt reliving company that was supposely associated or named XXXX XXXX XXXX. They convinced me to sign ( e-sign ) documents stating they can relieve my debt for loans and forgive them after months of upcoming payments to them. I was spectical about the the information that was given after signing there documents and called fasfa and my loan lender Mohela. My loan lender then told me and a representative from fasfa that the company is stating false information and Im being taking advantage of, I was then suggested to change and update all my passwords for banking and fasfa due to me giving th

em my personal information already. Im contacting you'll because I am being scammed by this company that have all my personal information such as banking, and social security and Im very frightened about identity theft happening to me and loss of unauthorized money in my name . May you please help. Thank You,

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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 — Problem with personal statement of dispute
Company: CNG FINANCIAL CORPORATION
State: NM

Complaint narrative:
XX/XX/XXXX ; let XXXX XXXX XXXX know that I would be on leave without pay sure to XXXX XXXX issues.

XX/XX/XXXX : notified XXXX XXXX XXXX that payments would be starting again in XX/XX/XXXX due to returning to work.

XX/XX/XXXX : called XXXX XXXX store to payoff loan completely and the lady in the phone refused to take my card. I let these people know everything along the way and because they refused payoff I'm in trouble. I'm on a waiting list to medicially retire. I have no income anymore.

XX/XX/XXXX : contacted XXXX XXXX XXXX on XXXX XXXX as soon as I realized they put me as a charge off. I asked her to pull the cal and give me a letter about that conversation.

Today : haven't heard back after she said her or Corp. will call me back in 24 hours.

I truly believe this company is out to hurt the poor. They have poor customer service and its sad because I've had loans through them prior before they changed their employees. Now they won't take a card payment but want my money makes no sense to me. I need help with this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CHARLES SCHWAB CORPORATION, THE
State: WA

Complaint narrative:
1. Applied for CS on XX/XX/XXXX. Got approved on XX/XX/XXXX. Debit card and paper checks got mailed out within 7-10 days later.

2. On XX/XX/XXXX, briefly after the account was opened, CS shut down without proper communication. I've been calling CS every single day or two to follow up since no one has contacted me regarding this matter/concern.

3. After days without answer, CS closed my account completely due to the " complicated matter of verifying my identity ''? Which also made no sense because CS never reached out to me while my IDs are always available to upload.

4. After endless calls and conversaions without much help, I am having no hope that CS ( from any department ) would be willing to deal with my account and do the right by me.

Data point : 1. Account has XXXX balance, 0 debit/credit transaction beside - A XXXX XXXX account verification - External account links to 3 other banks 2. Checks/Debit card both got ordered and sent out, apparently my account was fine until they started to mess with me and decided to drop the ball not to follow up. I've had enough phone calls to them to speak with multiple people to confirm who I am and my account opening.

CFPB would be the only place to file this complaint and force CS to follow up and do the right thing for customer.

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 2018-06-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
After reading notes, please see cases in XXXX & XXXX County, XXXX and XXXX, XXXX to tie to cases pertaining to XXXX XXXX XXXX as a plaintiff on both Federal and State level as well as a classmember on housing cases ; with specification of cases against XXXX XXXX XXXX XXXX , XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX of XXXX, and the fact that the stolen property known as XXXX XXXX XXXX XXXX, XXXX XXXX and those funds collected by XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX, XXXX XXXX Virginia from XXXX XXXX XXXX XXXX, perhaps any participating Federal agency may have aided in the illegal conduct of these individuals and/or the conduct of XXXX XXXX, who is currently being held at the XXXX XXXX Regional Jail. 

I would also like to address the fact that XXXX XXXX specifically went on social media and discussed with his viewers how the court forced me ( XXXX XXXX XXXX ) into taking charges that they knew I did not commit ; by finding me guilty and forcing me to stay in court and allowing XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, and XXXX & XXXX Sheriff 's Office go without consequences for their misconduct. Meanwhile, the legal system and specifically the XXXX Judicial Circuit Judges and leaders such as delegates, etc. were all fully aware of the drug and prostitution ring that was going to be funded from the illegal sale of property address XXXX XXXX XXXX XXXX, XXXX XXXX by XXXX XXXX XXXX XXXX of XXXX, XXXX XXXX- XXXX , XXXX XXXX aand the known conduct Of XXXX XXXX under the business of XXXX XXXX XXXX XXXX XXXX . This has interfered with my healthcare, employment, etc.

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 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: CA

Complaint narrative:
According to NetSpend 's website : " When you refer a friend who activates their new Netspend Prepaid Card and loads at least {$40.00}, you both get a {$20.00} credit. No reward will be credited to either party if referred individual had another Netspend managed program card that was used for a value load, purchase, cash withdrawal, or incurred a balance inquiry fee at any time during the 180 calendar days before the day the {$40.00} load requirement is fully met. Only cash reloads and direct deposits count towards the minimum load requirement. Allow 2 business days for {$20.00} credit to appear on each Card Account. The XXXX XXXX, XXXX XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX XXXX are not affiliated in any way with the Refer-a-Friend rewards program and do not endorse or sponsor this program. '' I have met the foregoing requirements and have not received my {$20.00} credit. I have connected with NetSpend on innumerable occasions whereas they confirmed I am qualified and will receive my bonus credit. I have spoken to several supervisors that requested escalation requests on my behalf. It has been over a month and I have not received my referral bonus of {$20.00} ; when their website says it takes two ( 2 ) business days. This is misleading advertising and a violation pursuant to the federal truth-in-advertising law.

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 2018-06-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Credit Bureau Collection Services, Inc.
State: AK

Complaint narrative:
This company has sent me a collection notice of a credit card debt that I am already paying to another collection company out of XXXX XXXX and have been for a while. They are attempting to settle this debt but has sent no proof that they have been contracted by the original creditor or the collection company I have already been paying to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
No action has been taken I bank with Wellsfargo bank for over a year now I was a victim of identity theft they close my account and reopen a new one without my knowledge and a phone number was link to my account with my knowledge I have many transactions that where not mine still have not got my money back but refuse to help me XXXX XXXX XXXX is another company thats was taking money out of my account without my authorization

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 2018-06-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: AL

Complaint narrative:
Left a voicemail at my parents house which I do not live at and left all this information. Below is the the transcript left on their voicemail. 

This is a confidential message for XXXX XXXX if you are not XXXX XXXX you must hang up now hello I a.m. reaching out to you from direct recovery offer you a chance to resolve your matter here this will be my singular call me the following are your option on your balance of {$1100.00} XXXX 75 % settlement of {$820.00} a 85 % settlement three payments a 90 % settlement and 12 payments of {$82.00} settlements must be set up within the next ___ days please call XXXX again it is important to put a hold on your file I will be able to take your call until 7 PM today XXXX this is _ ____ to collect a debt and any information only be used for that purpose to pay online go to XXXX and click on the _____________________ need your account number and ZIP Code your account number is XXXX and your ZIP Code is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Good morning, yesterday I went to wells fargo in XXXX XXXX XXXX XXXX, XXXX XXXX ca branch, at XXXX XXXX, I met this banker XXXX, I ask him if I could get the copies of my closed account checcking account number, he said something very rude, and he was so uptight, then he stand up, where I felt that he will attack me, it is in the Camera it was XX/XX/2018 at XXXX in the afternoon, There was no supervisor at that time, so I asked XXXX, and he was very nice, he even help me, when I paid the dues, to the teller, because, XXXX is still staring at me, He needs to be seen he has an anger management, I thought that he will really attack me, Hope that this matters will taken seriously, because there employees acted aggressively Thank you so much,

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 2018-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY

Complaint narrative:
I signed up for American Express credit card gold XXXX sky miles while the promotion is running. The promotion was that I would receive XXXX delta miles after spending total of 3000 $ within first 3 months. I met the criteria, but I never received those extra points. There is an ongoing investigation since XX/XX/XXXX. The agents keep on telling me that it will be resolved within a few weeks. It still has not been resolved by today, XX/XX/XXXX. On the latest conversation, one of the manager ADMITTED that it can take longer than 2 weeks. They did not offer any compensation in any form for all the inconvenience and time lost. They CAN NOT even guarantee that the issue will be resolved. 

Chat reference number : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-28 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: Shellpoint Partners, LLC
State: TX

Complaint narrative:
After I get divorced, the Court give the warranty deed of the house located XXXX XXXX, XXXX XXXX Texas zip code XXXX, after this my ex wife mist a lot of payments and get bankruptcy with out my knowledge, this is affecting my credit score, I need the lender remove this of my record because I am not responsible at this time for the payments company responded and provided supporting documentation that does not belong to 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 2018-06-28 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: IL

Complaint narrative:
XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in Trans Union and 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 2018-06-28 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: IL

Complaint narrative:
On XX/XX/XXXX I filed a CFPB complaint ( XXXX ) against Equifax for its refusal to provide information about a significant drop in my credit score preventing me from borrowing. I included a plot ( attached ) of my scores for the months in question, requesting Equifax to provide me with complete records including any derogatory information it had entered onto my credit file to make this happen. 

In its confusing short " form '' response a month later on XX/XX/XXXX, Equifax directs me to their website and also states it has sent me a letter in the mail on XX/XX/XXXX, three weeks before its online response. I did not receive any letters. Equifax should have sent its letter with its online response to CFPB. 

I am filing this complaint to again request Equifax to seriously and completely investigate my complaint, provide a list of all inputs to my credit file that made my credit score drop hugely, and mail its findings NOT to me but to CFPB so both CFPB and I can review it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: MS

Complaint narrative:
XX/XX/18 XXXX XXXX XXXX IL : I was paying for tickets tonight ( {$220.00} ) from a guy I met on XXXX and it all seemed very legit. I used XXXX through my Wells Fargo bank app. I figured it was completely secure and Wells Fargo could solve anything if a problem arose. The guy was a scam so I immediately contacted Wells Fargo and apparently they could do absolutely nothing. That is crazy that a huge bank institution could advertise a company like XXXX but it not even be secure. It makes me want to switch banks! There needs to be warning signs or they should stop working with them! I hoped my bank could do more to help me because we have been with them for years and do a ton of business with them!

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 2018-06-28 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: IL

Complaint narrative:
XX/XX/2018 There is a hard inquiry by XXXX XXXX XXXX appearing on my credit report. 
This is incorrect. I did not apply for any new credit nor loans with XXXX XXXX. This inquiry needs to be removed. Errorinformation appears in XXXX XXXX and Experian.

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 2018-06-28 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: FORD MOTOR CREDIT CO.
State: IL

Complaint narrative:
FORD Credit has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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 — Problem with personal statement of dispute
Company: Merchants Credit Bureau, Inc.
State: GA

Complaint narrative:
After submitting a request to Validate my account, the company failed to update my Credit reports with the required Status under the comment section. As per FCRA section 623-a-3 -Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C 1681s-2 ]. 

( 3 ) " Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer '' ( B ) " Time of Notivce ( 1 ) THe notice required under subparagraph ( A ) shall be provided to the consumer prior to, or no later than 30 days after, furnishing the negative information to a consumer reporting agency described in section 603 ( p ). ''

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # 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 2018-06-28 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: IL

Complaint narrative:
XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-28 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: IL

Complaint narrative:
XXXX XXXX has failed to correct my report. It's reporting erroneous, false and incomplete data to all three credit bureaus. I have called five times over the last 18 plus months to get them to make corrections. They have failed to do what's required under the law. 
Balance, payment amount and status dates are not being reported currently. 
Data is incomplete and has caused me credit problems. 
Acct # XXXX Vin # 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