vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Lending Club Corp
State: IL

Complaint narrative:
Hello, Around XXXX of 2020, I spoke with a representative regarding options for payment relief for Lending Club. She told me about a Deferment plan that I can do. I proceed to ask her questions and she did tell me that I would accrued more interest and instead of me paying in 36 months I would extending to 38 months. She also said when I start back making payments that some will go on the principal and some will go on the interests. So I agreed to do the two month deferment, I did not make a payment in XXXX, however, I made a large sum of payment in XXXX and XXXX they start taking out my regular payment. I checked my account on XX/XX/XXXX and I was extremely shock that my XXXX payment went all on the interest and none on the principal. I was deceived, if I would of known that my XXXX and possibly my XXXX payments would go all on interests I would NOT agreed to the deferment plan. This is unfair business practices and withholding information as vital as this one is not best business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
accounts not known to me or FTC violations : XXXX XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: TX

Complaint narrative:
accounts not known to me or FTC violations : XXXX   XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX  XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated onXX/XX/XXXX Contact XXXX XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX  XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC

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 2020-07-06 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: TX

Complaint narrative:
accounts not known to me or FTC violations : XXXX XXXX XXXX XXXX Original creditor : XXXX  {$680.00} Balance updated XX/XX/XXXX Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Collection Department / Agency / Attorney Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$680.00} {$680.00} Payment Info Original loan amount {$680.00} Balance {$680.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, FLXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XXXX XXXX Original creditor : XXXX XXXX XXXX  XXXX. 
{$710.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XXXX XXXX, XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$710.00} {$710.00} Payment Info Original loan amount {$710.00} Balance {$710.00} Updated on XX/XX/XXXX Contact XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, MIXXXX ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXXXXXX XXXX. 
{$920.00} Balance updated XX/XX/XXXX Account Info Tap labels for more details Account number XXXX Collection opened XX/XX/XXXX Account type Factoring Company Paid off : 0 % Balance on XX/XX/XXXX Loan Amount {$920.00} {$920.00} Payment Info Original loan amount {$920.00} Balance {$920.00} Updated on XX/XX/XXXX Contact XXXX XXXX XXXX XXXX, VAXXXX  ( XXXX ) XXXX Is everything correct? 
If inaccurate information appears on your report, you can contact the lender directly to have it corrected, or let us know online or by mail. 
Dispute this account XX/XX/XXXXXXXX XXXX Original creditor : XXXX XXXX XX/XX/XXXXXXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX all were filed to FTC

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 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I am unable to connect my bank account in an effort to pay an invoice using XXXX. XXXX has teamed together with company XXXX   to allow my bank account to connect with my invoice. PNC has made a recent change that prevents me from being able to link my accounts. This has made it difficult to pay my bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the beureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-06 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My lender has tried to pull an Experian credit report/score. Despite a long credit history and living in my currently OWNED residence for nearly 20 years, Experian is not " finding '' me by my social security number. Furthermore there is no way to reach a live person at Experian or even email them with issues. Its like a black hole trying to get this situation resolved.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Southern Auto Finance Co
State: TX

Complaint narrative:
Pandemic declaration. SAFCOis attempting to collect on a debt and keeps reporting on my credit that this account is delinquent every thirty to ninety days PLEASE INVESTIGATE FURTHER!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I XXXX XXXX received a pre approval for a personal line of credit at Wells Fargo XXXX XXXX XXXX XXXX, pa XXXX the bank would not disclose my pre approval and did not follow bank policy. I have great credit and just want fair treatment for the request made.

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 2020-07-06 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: NY

Complaint narrative:
Dear all, I booked a return flight for XXXX from the US to XXXX using points from my Chase Saffire Reserve account, on the Chase Travel portal. The flight involved two different airlines - XXXX XXXX and XXXX. Flights were later cancelled due to COVID. I requested a refund through the Chase online form. I then received an email saying I could only request vouchers from the airlines and couldn't get a refund. I did that and got two vouchers. I was later informed that it is illegal to force a voucher and I should have been offered a cash refund option, so I called Chase back. They refunded me ( in form of points back into my Chase account ) the XXXX XXXX flight, but said I had to contact XXXX directly for that flight. I called XXXX and they said I can't get a cash refund because I have already accepted a voucher. I told them I accepted it only because Chase told I had no other choise, so they said to discuss it with Chase. I called Chase several times and finally submitted a written request. They said there is nothing they can do and did not admit to their error, although i told them to review my recorded customer service calls to listen in on how I was given no choice. XXXX is not an airline I plan to use in the future and they recently cancelled the itinerary I needed for the dates I needed, so I had to book a new flight at my expenses. The mis-communication was between Chase and XXXX and I dont think it's fair for me to be stuck with a voucher I have no way to use. The total amount of the trip was {$560.00}, the amount that was not reimbursed was {$250.00} for a total of XXXX points ( I can't see how many points for each flight, but I was already reimbersed points back for the XXXX airline leg ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have been denied opening An account with any account and I need to get it removed off

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 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
I disputed a charge ( letter faxed to the credit card company on XX/XX/20 ) from XXXX on my Fidelity Visa account ending with XXXX because I didn't receive the service I purchased as it was described ( an air trip from XXXX XXXX XXXX via XXXX XXXX to XXXX XXXX XXXX XXXX. The changed ticket issued due to XXXX XXXX required travel to a different airport from XXXX ( XXXX in XXXX, NJ ) to change planes which cost us {$300.00} and resulted in over five hours of delay in arrival to the final destination : the arrival time per original ticket was XXXX XXXX, but after the change it was XXXX XXXX. XXXX provided no adequate compensation for these extra costs and change so a billing dispute has been filed. Cardmember Service failed to correctly process the dispute, incorrectly claiming that I received the services represented in the transaction. I faxed them my objection to their decision on XX/XX/20, requesting a partial reversal of the charge to compensate for the issue with the charge that I raised. Cardmember Services failed to respond to fulfill my request.

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 2020-07-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I'm unable to link my account

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CO

Complaint narrative:
I went in on XX/XX/XXXX to make my mortgage payment through the online payment system for LoanCare , LLC and they blocked out that date not allowing me to make a payment and blocked out the XXXX, and XXXX so I couldn't make a payment and they start charging charging a {$5.00} fee and when trying to call them on Monday to get this fee waived and all number I called sent me to an automated system. I was not able to get a live person on the phone. I don't see how it is legal to start charging a fee when when they go in and block dates keeping you from making your payment. The folks in other departments are not able to hook you up to a live person in the mortgage department. This company needs to be investigated for extortion by blocking dates so you can't make a payment until their fee kicks in. At {$5.00} a person and they have 1000 people that try to make a payment between the XXXX  and XXXX  so they can charge their fee is an extra is an extra {$5000.00} of extortion money. If you have any questions or need anything further please do not hesitate to contact me. Know that I DID NOT take a mortgage out with this company, my mortgage was sold to them so this company is not a company I chose or would have ever chose as I do not feel they are a responsible respectable company. They're crooks at a company that they don't give you a phone number to reach an actual customer service person. Know that I also have a paper trail to prove that I went in on XX/XX/XXXX to make a payment as well as sent them an email to every email address I could find dated XX/XX/XXXX. I went ahead and put a check in the mail today to avoid their {$5.00}

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 2020-07-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received a promotional offer to get {$400.00} after opening a checking account with SunTrust. On XX/XX/2020 I opened a checking account online using their promo code to receive the {$400.00}. I need to direct deposit money to this account, but am unable to continue because I CAN NOT GET THROUGH TO ANYBODY AT THE BANK. I've called numerous times and waited on hold FOREVER and can not get anybody on the phone. Today I finally got through to SOMEBODY IN THE XXXX. XXXX. I've never had a bank transfer me overseas to take my banking details. I need the bank to personally call me to document the details of this offer as I plan on closing the account after the funds are credited to my checking. So far, it would appear this bank is a complete scam and can not even handle incoming phone calls.

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 2020-07-06 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: GA

Complaint narrative:
I HAVE ACOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT 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 explanation
Consumer complaint received 2020-07-06 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: GA

Complaint narrative:
I HAVE ACOUNTS ON MY CREDIT REPORT THAT DO NOT BELONG TO ME. PLEASE REMOVE THESE INACCURATE ACCOUNTS FROM MY CREDIT 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 explanation
Consumer complaint received 2020-07-06 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
At some point during my relationship with a Citi Bank Credit Card account, billing was defaulted to electronic and sent to an email address I no longer use. 

The bank auto-called and indicated I was behind in payments around XX/XX/XXXX. My wife called the company on my behalf on XX/XX/XXXX, negotiated a late fee to be dropped and paid us up to date, and at that time we requested the account be closed. 

Fast forward 2 months and I get another call from the automated service indicating I am behind in payments and have 2 months in late fees on our account. 

I called to find out that they did not close the account, and kept sending bills to my old email address. I asked that my information be updated for communication purposes, and after a few conversations the rep indicated my account would be closed and brought to a XXXX   balance. 

Today on XX/XX/XXXX I recieved a call from Citi indicating I am still behind in payments. I called and spoke to a rep, and eventually a supervisor that asserted that there were no notes indicating we requested the account closed in XXXX so therefore it was not done. Further, they indicated since the card was paid up 2 days late, the system must have added a late fee when my wife requested pay-off info. 

I am now looking at paying another {$81.00} in late fees to XXXX my account out, but strongly feel that this incident is a clear failure on Citi 's part to do what we requested, and vehemently disagree with the supervisors assessment of this case.

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