vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
On XX/XX/2020, I opened a Wells Fargo Everyday Checking account with an attached bonus offer. The bonus offer promised a {$400.00} bonus after opening an account with an opening deposit of {$25.00} and making direct deposits worth {$4000.00} or more into the account. 

On XX/XX/XXXX, I made a direct deposit of {$500.00}. This should have satisfied the opening deposit requirement and part of the {$4000.00} requirement. 

Also on XX/XX/XXXX, I made another direct deposit of {$3500.00}, which should have completed the {$4000.00} requirement and made me eligible to receive the bonus. 

On XX/XX/XXXX, I still had not received the bonus, so I called Wells Fargo customer support. I was told that my first deposit counted as the opening deposit, and only the second counted toward the {$4000.00} direct deposit requirement. I was told that I had no recourse and missed out on the bonus. 

I feel this technicality was misleading, as this was not specified in the fine print and at no time was I warned or informed that I was in jeopardy of missing the bonus. I feel I satisfied both the opening deposit requirement and the requirement of direct depositing {$4000.00} into my account. 

Because my money was tied up in this account, I was not able to use it to invest in other sectors, effectively taking further potential earnings away from me.

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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I can not set up an account with XXXX which is a pay day loan app due to PNC not allowing XXXX to verify my account information to receive payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I received the attached communication from Resurgents Capital aka LVNV Funding dates XX/XX/2020 I then sent them a letter also attached asking for proof that this is my debt. You will see in the attached summary that they responded with there is nothing that proves this account was mine. I have contacted the original creditor on several occasions and they have no debt listed in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
On XX/XX/XXXX my account got restricted and without giving me a reason. since i couldn't get access to my money on XX/XX/XXXX I told them to close my account. The account is still restricted I've been calling the bank and sending them messages and no one does anything it's been a month and 2 weeks and all they tell me is that they are investigating and that they will get back to me when they are done.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Caliber Home Loans, Inc.
State: AL

Complaint narrative:
I've never been told clear make or not make a payment coming off covid19 assistance. I was told I'd have to submit for loan modification for my XXXX loan. I have dates who I spoke with. Not once have I been told what I need to do. Now I'm being told to go past due just to get a loan modification which takes 30 days to review causing further passed due account and late charges and credit hits. If I shouldn't have made a payment after being one month behind then someone should've clarified that with me instead they said I needed to. Now I'm a month behind unable to catch up and it's been two months with no correct answer. I can make regular payments but can not make up the month I'm behind example I owe XXXX still but can't make until XX/XX/XXXX keeping me behind.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: General Motors Financial Company, Inc.
State: OK

Complaint narrative:
I had a vehicle leased thru GM Financial and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being XXXX XXXX. I settled the account with XXXX and account was paid in full. XXXX is either not reporting to GM Financial that this account is settled or GM Financial is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: PA

Complaint narrative:
I had called and cancelled my card on XX/XX/2019, I was informed of what the pay off balance would be and I paid it during that time. I was unhappy with the service XXXX provided with how they handled, or not handled my fraudulent charges that occurred due to a data breach. I decided to cancel & pay off the balance to end my services with them. I called again on XX/XX/XXXX to follow up and make sure that they had updated their records since the withdraw of {$1000.00} was withdrawn from my bank account on XX/XX/2019. I was assured that they received the amount and that there was a credit of {$.00} on my account that covered a total of {$1000.00} balance. I saw that this popped up on my credit report with notes saying bad debt and that it was closed by the card company which is not true at all. I have provided my bank statement and a letter from them after their investigation to show that they were paid in full and closed on my behalf. It is absurd that I have to keep updating something that was taken care of almost a year ago. I had recently started getting harassing calls again about this paid balance. 

I have a letter from XXXX saying that the account is closed with a XXXX balance and that I paid the amount owed, my bank statement shows this as well. I submitted multiple times to XXXX and they keep saying the same thing. It has yet to be removed from my equifax report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Citi Prestige closed my credit card account without my acknowledgment and without reading the appropriate disclosures to me. I had no idea they were closing my account, as I was on the phone with them, and said I needed to call back because the call was taking longer than anticipated. I did not want to close my account at this moment, but was inquiring about a dispute that should have been closed in my favor instead of the merchant. However, next time I went to check on my account, I noticed it was closed without any acknowledgment. I also did not know I was being transferred from one team to the retention team. I only knew that someone may have been able to help me from another team. I assumed it was a supervisor or manager, not the retention team and that my card was closing. 


Thank you.

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 2020-07-20 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: Synergetic Communication Inc
State: OK

Complaint narrative:
I had a vehicle leased thru XXXX XXXX and that vehicle was repoed. The account was sold to several different collection agencies and the most recent being Synergetic Communication. I settled the account with Synergetic and account was paid in full. Synergetic is either not reporting to XXXX XXXX that this account is settled or XXXX XXXX is refusing to report properly to the Credit Bureaus. This still shows as a charge off on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I sent out a dispute letter on XX/XX/2020 directly to the creditor regarding the validity of this debt. It has been more than 30 days and I have not received any information with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

They have failed to respond and are violating my FCRA 30 day investigation right.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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:
XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also

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 2020-07-20 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:
XXXX XXXX XXXX and XXXX XXXX XXXX was taken off two years ago now put back on without notifying me the law states they must send notice XXXX XXXX  c XXXX FTC commission sent the report to them 2 years ago medical commercial audit was part of the FTC 2 years ago also

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 2020-07-20 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: SANTANDER BANK, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Santander Bank Loan # : XXXX To whom it may concern : I am writing this letter to explain my situation regarding my forbearance process on my mortgage. I called on XX/XX/2020 to discuss my mortgage forbearance, I spoke to XXXX XXXX who identified herself as the senior Specialist Relationship Banker to inform her that I wish to discontinue the process of my mortgage forbearance. I informed XXXX that my monthly mortgage payment is available and can be deducted from my account monthly. As discussed with her the monthly payment was deducted accordingly from my Santander account while its being in forbearance. XXXX informed me that she will remove it from my account and mail me a letter regarding the discontinuation of forbearance on my mortgage. I have not received that letter and I am still in forbearance. Please discontinue my mortgage forbearance on my account. 



Please anything you can do to expedite the process will be greatly appreciated as the error affects my credit report. 

If you have any questions feel free to call me anytime by email XXXX or by phone XXXX Sincerely and Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX number XXXX X XXXX Fax 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 non-monetary relief
Consumer complaint received 2020-07-20 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: Experian Information Solutions Inc.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX  XXXX # : XXXX To whom it may concern : I am writing this letter to explain my situation regarding my forbearance process on my mortgage. I called on XX/XX/2020 to discuss my mortgage forbearance, I spoke to XXXX XXXX who identified herself as the senior Specialist Relationship Banker to inform her that I wish to discontinue the process of my mortgage forbearance. I informed XXXX that my monthly mortgage payment is available and can be deducted from my account monthly. As discussed with her the monthly payment was deducted accordingly from my XXXX account while its being in forbearance. XXXX informed me that she will remove it from my account and mail me a letter regarding the discontinuation of forbearance on my mortgage. I have not received that letter and I am still in forbearance. Please discontinue my mortgage forbearance on my account. 



Please anything you can do to expedite the process will be greatly appreciated as the error affects my credit report. 

If you have any questions feel free to call me anytime by email XXXX or by phone XXXX Sincerely and Respectfully, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX number XXXX X XXXX Fax 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 2020-07-20 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: AR

Complaint narrative:
My bank called me to inform me that there was an unknown charge on my account. They wanted to verify if it was mine and they were correct it did not belong to me. Later that same day I received a call from one of my credit card providers stating the same thing. I immediately knew my identity had been stolen. I got online and made an account with XXXX XXXXXXXX and got a copy of my report. For years my name, birthday, and social security number was used to open accounts that are not mine. Please remove these items from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I was shocked when I reviewed my credit report and found 90 days late payment on the dates XX/XX/XXXX - XX/XX/XXXX, XX/XX/XXXX - XX/XX/XXXX. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Flagstar Bank, N.A.
State: PA

Complaint narrative:
Closed on selling my home XX/XX/2020. 

Mortgage held by Flagstar Bank Insurance premium was sent from my bank back to Flagstar, {$620.00} on XX/XX/XXXX They have yet to return it to me on XX/XX/XXXX 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 2020-07-20 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report XXXX XXXX {$230.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I called Chase to submit a dispute against XXXX XXXX charges in XX/XX/2020 because I was promised and owed a refund by XXXX XXXX for flights that were cancelled. Chase gave me a temporary credit for the charges and then in XXXX told me that the dispute was resolved and the credits were permanent. Fast forward to XX/XX/2020, I receive letters in the mail saying that the two credits of {$670.00} were taxable and that Chase " consider the charge valid '' and " issued a courtesy credit ''. I'm thinking, how is this taxable if I'm owed a refund? I called the dispute team and the representative told me that the charges were valid because the airline had responded with their non-cancellation ticket policy even though I told the representative that I had called XXXX XXXX and they have notes on the itinerary that my flights were to be refunded. He even suggested that I was not telling the truth and that there was nothing they could do. I called back in a few days asking for a supervisor and she told me the same thing that there wasn't anything I could do. Now fast forward to XX/XX/XXXX, I finally received a confirmation letter from XXXX XXXX saying that they had refunded my flights ( after I submitted a complaint to the DOT ). However, they shorted me on one of the refunds. They were supposed to refund {$670.00} but only refunded {$490.00}. The issue with this experience is that the disputes department did not do their due diligence and sided with XXXX XXXX and told me there was nothing they could do even though XXXX XXXX had notes on my itinerary that showed I was owed a refund. But now I have an email from XXXX XXXX showing that they were going to refund my flights. It shows that Chase was wrong to side with XXXX XXXX and did not handle this case properly.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: FL

Complaint narrative:
I sent out a dispute letter on XX/XX/2020 directly to the creditor regarding the validity of this debt. It has been more than 30 days and I have not received any information with proof of this alleged item, specifically the contract, note or other instrument bearing my signature. 

They have failed to respond and are violating my FCRA 30 day investigation right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-20 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report XXXX XXXX {$230.00}

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 2020-07-20 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: AR

Complaint narrative:
I went to file my taxes and I was told by my consultant that my social security had been used already from someone else and that I needed to act. I pulled my credit report and there are many fraudulent accounts that do that belong to me. Please remove these fraudulent accounts from my report XXXX XXXX {$230.00}

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 2020-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
As stated in prior CFPB complaint, I've sent a dispute letter via fax, postal mail, as well as email most recently regarding information needed for dispute ID XXXX, I was sent a letter on XX/XX/XXXX which I replied to and provided same information again.. In total, numerous letters provided, Citibank dispute dept claims non-receipt of these which is suspicious. I spoke with a Citibank rep today, he claims a letter was received on the XXXX of XXXX as well.. I provided information pertaining to dispute and the merchant appears to be a scammer as the charge, {$160.00}, was declined on merchant end supposedly, funds taken regardless ... I've message the merchant via secure message, no reply and no direct email or number to reach ... This transaction is a scam and again, I've provided this info numerous times, Citibank claims either non-receipt or needs additional info which I am not aware of and have no such additional information to provide other than what is in letters sent prior ...

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