vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-09-11 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: CITIBANK, N.A.
State: WI

Complaint narrative:
I had dispute filed with City credit card requesting to investigate charge that was improper as I left an item in XXXX store on XX/XX/18 and was requesting a refund. XXXX at that time promised to refund money multiple times but did not. I filed dispute for the portion of the charge with City card and Citi card failed to investigate dispute properly, misstated that they sent me required paperwork for supporting documentation at the same time emailed statement that they are still investigating therefore never sent any request for supporting documentation hence caused me to miss my deadline : I feel I have been defrauded by Citi card. Then Citi bank stated that I missed deadline to provide supporting documentation and declared lost dispute, an addition reported that negatively and improperly to credit agencys '. 

Eventually, XXXX checked their records and refunded the wrong charge however City card never amended their ill reported lost dispute and my report still has their fake negative comments. 

I request negative reporting about lost dispute removed from my records as being unfair and fake.

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 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo is acting in an extremely negligent and predatory way with regards to over-drafting on an already NEGATIVE balance. My mother - the account holder -, who is XXXX XXXX and on SSI, has made multiple cash withdrawals on a negative checking balance and Wells Fargo is making no effort to stop the withdrawals. Instead, they are approving multiple cash withdrawals on a negative balance while charging overdraft fees. On their website, Wells Fargo states that they do not approve ATM overdraft transactions, yet they are letting it happen over and over. They claim that she has a " Debit Card Overdraft Service '' on her account and that they have no choice but to allow the transactions since she has opted in ( even after she stated to a representative that she has no recollection of signing up for the " service '' in the first place ). This behavior is negligent, irresponsible, and predatory and they have refused to take responsibility or use any discretion to decline multiple ATM withdrawals on a negative balance. Additionally, they are even aware that my mother - the account holder - plans to make additional withdrawals on a negative balance ( she told a representative this on the phone ) and they will do nothing to prevent this in favor or collecting further overdraft fees. I have spoken to multiple people on the phone from Wells Fargo and they refuse to act other than to say that the account holder has to specifically ask for the Debit Card Overdraft Service to be removed but they will make no effort to prevent further withdrawals on an already overdrafted account.

Wells Fargo states, regarding the Debit Card Overdraft Service, " You can choose whether your ATM and everyday ( one time ) debit card transactions may be approved, at the Bank 's discretion, if you dont have enough money in your  checking account or in accounts linked for Overdraft Protection at the time of the transaction '' and " The payment of transactions into overdraft is discretionary, and we reserve the right not to pay. '' They are choosing to use NO DISCRETION and instead allow multiple cash withdrawals to be made on a negative cash balance while STILL CHARGING overdraft fees.

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 2018-09-11 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below, and different information among the 3 major credit bureaus. 

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 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 2018-09-11 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: AL

Complaint narrative:
I been trying to get Equifax To delete hard inquiry from my report with them, the rep say the inquiry was verified and I told her that cant be true I never tried to attain credit with any on the companys, I was in Bankruptcy and my lawyer told me not to apply for anything while in the program I tried 3x to get the inquiry remove with Equiifax she say she had sign paperwork I ask her to send me copies where I authorized them she then say call each consumer yourself to get them deleted help accounts including XXXX for {$1000.00} I sent letter showing what the company stated that the account will be deleted and they still wont take it off it report XX/XX/XXXX wasnt my account all the inquiry was done is not mines but XXXX XXXX XXXX XX/XX/XXXX I ask them to delete the rest they wont do anything to clear this up I ask for all addresses to be remove but one nothing help me please

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: TX

Complaint narrative:
This guy offered to pay my credit card debt of {$790.00}, he gave me his saving account info and routing number to pay. I paid it off. Then he asked me to go to XXXX XXXX for him the next day after telling me I was allowed to pay the card off, so it wasn't part of the any exchange I was sick so I told him no. He threaten to reverses the payment, I told him that was fine since I was sick and did not want to be control by money ( I was not his slave ) he then threaten to make my credit score to go to XXXX, he told his bank I committed fraud. I have text messages to prove all of this that I asked him permission on amount and everything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
I tried to open a checking account and was told chexsystems was reporting on me. So I followed threw and ordered a report. Which had incorrect information. So I sent in a dispute and no information was investigated with supporting documents.The company that chexsyems has not investigated correctly is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX. Date Reported : XX/XX/2017 Reported for : Suspected fraud activityand any amount owed was paid.There was never any fraud to my account before they closed my account.

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 2018-09-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
Ive had my card for 11months never made a late payment until XX/XX/2018. I submitted the payment online before my due date as usual but for some reason it didnt come out of my checking account the same time as usual, and the payment was sent back causing my account to be 30 days late. The company has already returned the late payment fee to me but have not removed the late payment from my account history to reflect never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On XX/XX/18, I contacted XXXX XXXX regarding my XXXX card because I realized that I missed my payment due date, which was XX/XX/18. The credit limit was decreased from {$830.00} to {$650.00} and the balance showed as maxed. I spoke with a Customer Care associate named XXXX, who advised me that the bank did a " random review '' of my account which resulted in the credit limit decrease ; thereby maxing my card out. I explained my objections to the associate, stating that I have never " missed '' a payment to XXXX on any of the cards that I have with them. She stated that a detailed letter was mailed to me on XX/XX/18. Comenity increased my credit limit without request to {$830.00}, then after 1 late payment, decreased it to a limit that would " max '' the card out. Ironically, I have recently begun paying all the cards off. I feel that I may be the victim of some unethical practice, which is negatively impacting my credit history. I refuse to allow any corporation to take advantage of me. I've been a good customer and now feel that the bank is taking advantage of me or punishing me for trying to limit my debt. Subsequently, I made the payment today. I will attach proofs of payment and credit limit information separately.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI

Complaint narrative:
On XX/XX/2018 I received a letter from XXXX  XXXX indicating that my mortgage loan had been sold to Carrington Mortgage.

When I went online to make a payment to Carrington Mortgage, I noticed that they charge a {$5.00} online fee for me making a payment to them! Why do I have to pay to pay them when XXXX XXXXXXXX and previous to that XXXX XXXX did not charge? 

This is insane to me, how can a mortgage company sell my loan to another company with fees like this? I understand loans can be sold but I feel victimized and helpless about this additional {$60.00} I have to pay per year! I am trying to pay off a huge loan, not make it worse. This feels like it should be illegal, what if the next company that it's sold to charges {$10.00} to make payments? Do i really need to go back to mailing payments? I have to pay it no matter what fee they charge at their discretion, and I never agreed to this!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I uploaded the file to Experian asking them to remove the fraud alert as well as add my contact number for home and cellular number numerous times over 10 days. I uploaded their form myself and provided the documents and had other people do it for me as well to no progress whatsoever. I have spent well over 10 days trying to talk to a person which is impossible and and their instructions lack results. They said 15 minutes it would be reflected. XXXX! My home number is XXXX XXXX XXXX and cell number XXXX 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 non-monetary relief
Consumer complaint received 2018-09-11 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 — Was not notified of investigation status or results
Company: Fidelity National Information Services, Inc. (FNIS)
State: NM

Complaint narrative:
I have written chexsystems regarding a reporting account in my name. Company : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX Date Reported : XX/XX/2015 Acccounts ending in XXXX and XXXX I was fraud-ed and reported it to the bank and they said i would not be charged. Now they are reporting Account Abuse no results I owe them {$430.00} and {$250.00}. I have deputed this threw chexsystems with no results or documents supporting this.

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 2018-09-11 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: ME

Complaint narrative:
I tried to call Transunion about their inquiries glitch and no removal.

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 2018-09-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: IL

Complaint narrative:
US Bank is engaging is unfair and deceptive practices by purposely charging customers a late fee on their credit card when the online payment did not work as scheduled. I logged into my US Bank Account several weeks before the {$29.00} payment was due on XX/XX/2018. I thought I had scheduled the payment as that is what the online banking system displayed. However, I noticed on XX/XX/18 that the payment never went through and I was charged a {$27.00} late fee, which is ridiculous for a {$29.00} payment that was not made due to an error in US Bank 's Online Banking System. I made an online banking payment for my whole balance, minus the late fee, on XX/XX/18 and contacted Cardmember Service about waiving the late fee since there was an issue with the system and I've attempted to set up Autopay in the past without luck. Cardmember Service refused to waive the fee and hung up on me when I requested to speak to a  supervisor. 

This same situation occurred last year when I tried to make an online bill payment through their site but they claimed they never got it. They were supposed to help me set up autopay last year, but never did. US Bank is clearly engaging in unethical behavior and trying to scam their customers out of money.

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 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
The customer opened a Wells Fargo Everyday Checking account on XX/XX/2017. The account was opened with a {$200.00} bonus promotion attached. The application reference number is XXXX. 

The customer subsequently completed all the requirements for getting the bonus, however, was declined the {$200.00} bonus ( did not get the bonus ). 

There is one bullet point in the bonus eligibility that may prevent the customer from getting the bonus : You can not be a recipient of a consumer checking bonus in the past 12 months ( limit 1 bonus per customer ).

The bonus qualification requirement and payment date ( attached below ) led to the customer mistakenly thinking the 12-month limit is from the date he received the last Wells Fargo personal checking bonus to the date he shall receive the bonus for this {$200.00} bonus. The customer was approved for this account with the bonus offer attached and fulfilled all the bonus requirements. The language of the 12-month limit in this offer was unclear to the customer and affected his decision for applying for this account.

Attached : Bonus Qualification & Bonus Payment To qualify for this bonus, the customer has to complete the following : " for 3 consecutive months, make a minimum of 10 purchases/payments per month with your new Wells Fargo Debit Card '', and the bonus payment will be deposited as follows : " We ( Wells Fargo ) will deposit the {$200.00} checking bonus into your new consumer checking account within 45 days after eligibility and qualifications have been met ''.

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 2018-09-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Well for the last few months I have been sending Trans Union, XXXX, and XXXX 609 credit dispute letters for the following accounts. XXXX XXXXXXXX XXXX   account number XXXX. XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX. XXXX XXXX. XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. Each of the credit bureaus have failed to send me any contract with my signature as it states under the 609 section. This is hurting my ability to get credit and it is unlawful and not fair. Its has been two months and they are supposed to provide proper documentation or the unverified accounts they where supposedly to be deleted and so far have not. I thought the days at the most.

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 2018-09-11 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
On XX/XX/18 I was subject to an adverse action decision by XXXX XXXXXXXX XXXX based in part on information received from Experian. I then applied online with Experian for a copy of my credit report, but was denied. I then wrote to Experian requesting a copy of my credit report. As requested, I included a copy of my adverse action letter, driver license, and most recent bank statement. On XX/XX/18 Experian wrote to me again denying my request for copy of my credit report. I have maintained the same address for 20 years. However, every year for the past 20 years, Experian has denied me access to my free annual credit report without providing additional documentation of my identity and address. Experian 's repeated practice of denying me access to my credit report is unlawful. Experian should be sanctioned for this illegal practice and be required to cease this practice of failing to comply with consumers ' legal rights.

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 2018-09-11 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: Early Warning Services, LLC
State: TX

Complaint narrative:
Words can not explain how frustrated I am with EARLY WARNING SERVICES! The response that I received from the company is ridiculous! All that I received is an automatic response to my complaint stating " that the fraudulent account was verified ''. Still I have no type of original proof of contract signed between XXXX XXXX and me! or any type of paperwork! EARLY WARNING SERVICES is most definitely breaking the law ( FCRA ). I feel as though they are taking advantage of hardworking citizens such as myself who try their hardest to keep their credit report clean! by continuing to report inaccurate information on my credit file, and tarnishing my name, harming my credit worthiness and adversely affecting me as a person I will take take further litigation action if this company does not Freeze my credit file and remove these fraudulent accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-11 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: SC

Complaint narrative:
Experian what is your METHOD of verifying MIXED data when investigating inaccurate information on credit files and what METHOD did you use to verify and insure the information that you are reporting on my credit file is NOT mixed data. I have requested this information through certified letters. Please provide your Method of verification.

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 2018-09-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My wallet was stolen and my identity was used to make fraudulent transactions on my account using my debit cards and my identification to make withdrawals one for {$40.00} one for {$300.00} one for {$2000.00} and one for {$6500.00} the one for XXXX and XXXX were refunded to my account however the other 2 transactions for XXXX and XXXX were denied stating that my identification was used. Which is correct because they were all stolen with my debt cards I have a police report and it was still denied by Wells Fargo. Claim # XXXX. Claim # 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