vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: TN

Complaint narrative:
Hi. I tried to open an account using a promo code offer. The requirements were to open a checking and savings account at the same time, have {$500.00} in direct deposits, and receive a bonus depending on how much is kept in the savings account. I used the code XXXX. Less than {$10000.00} in the savings account would give a bonus of {$300.00}. I did that and applied the bonus to my account when I opened it. I had an issue when I opened the account online and it only opened a checking account only not a checking and a savings account. I reached out to support who connected me with a local banker at a local branch. He assisted me with the savings account and confirmed that I would still qualify for the bonus. 

Now that its time for the bonus to be paid and credited to my account I did not receive it. I spent several weeks trying to get a response and kept being told they would look into it. General support finally referred me back to the branch banker who told me I would get the bonus. He spent a couple of weeks trying to get a response for me only to finally say that because the two accounts were not opened at the same time I would actually not qualify ( despite confirming several months ago that I did ) and that I would receive no bonus. He said today even though he told me via email in XXXX that I qualified that I actually did not.

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 2021-06-28 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: AES/PHEAA
State: TX

Complaint narrative:
A few months ago, I had filed a complaint against AES for Deceptive and Unfair practices per a private educational loan for $ XXXX I had secured back in XXXX. See Complaint ID : XXXX AES had this student listed as someone who made an initial repayment on the loan and then suddenly stopped making further payments. This resulted in being Blacklisted as Defaulted Loan Presently 90 or More Days Delinquent. Indeed, AES had the following notation in my Credit Report ( CR ) : AES 120 - 149 Days Late. After initially complaining to CFPB about this deception, AES appeared to have fixed the report by updating the CR to reflect : Your account is current! However, to my dismay, I recently on XX/XX/XXXX, applied for a Grad Plus loan but was denied based on what AES was now claiming, that being, " Defaulted Loan Which Has Been Claim Paid. '' There is no doubt this labeling creates an adverse circumstance that resulted in this student being denied a regular XXXX XXXX loan. See attached copy of Letter of XXXX from Federal Student Aid.

At this juncture, it is important to note that " Any Title IV debt that is currently in default '' serves as a legitimate barrier for consideration for a student loan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Dovenmuehle Mortgage, Inc.
State: TX

Complaint narrative:
Forbearance due to Covid. Resumed normal payments but have an outstanding balance due to the forbearance of about {$9000.00} requested loan modification in XXXX of XXXX  and to date have not heard from mortgage company

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: SC

Complaint narrative:
I have a 36 month lease with Hyundai Finance. The lease matures on XX/XX/2022, I call them to get my pay off and they refuse to give me the current pay off. I am trying to sell the vehicle and I can't because they refuse to give me the amount of the pay off. My ACCOUNT # 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 2021-06-28 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
I open an account with coinbase, for about 6 to 8 weeks it works fine. I received a text from them that said there may be some fraudulent activity, I click to open the link and have not been able to get into my account since. I have sent them at least a dozen messages. I have filed complaint forms out with them. And I've called a half a dozen times. I have got zero responses from them in 2 weeks. In this ball is all cryptocurrency market time is of the essence. We're only talking about {$1000.00} or so here but it certainly shouldn't be up to them to decide when I can access my money. And they shouldn't be allowed to do business if they're not going to have a customer service department.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I am filing a complaint about my experience in the XXXX, TN Wells Fargo bank today. I am also filing a complaint against the bank for closing my account due to me having an ethnic XXXX name. There is nothing wrong with my identity and I provided the bank with plenty of documentation. When I went to the bank to discuss this I was made to feel unwelcome and was rushed out. No options were given to me. No help was offered. The banker was rude. His name is XXXX XXXX. The bank manager was engaged yet he did not check on me to make sure I was ok or that my issue was resolved. His name is XXXX XXXX. My experience at the branch today told me all I need to know about this organization. Fortunately I have great banking relationships with XXXX XXXX XXXX and XXXX. They will take care of all of my business needs. Also the letter I received from the bank said I had 20 days to respond. It was dated XX/XX/2021. Yet my account is closed prior to that. Regardless it is ridiculous that this happened. I am very careful not to claim racial discrimination unjustly, but I feel very strongly that this is exactly what is happening. I have had issues with being treated this way due to my name in the past, but my experience in the bank today enforced that this organization should be reported. I also spent money on checks and bank deposit slips. I asked to be refunded and was told No by XXXX XXXX. I am willing to recount my entire experience down to him rushing me out of his office.

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 2021-06-28 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: I.C. System, Inc.
State: NC

Complaint narrative:
These accounts don't belong to me. Please remove them from all 3 credit reporting agencies. Please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies. 

1. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

XXXX. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

8. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

9. Identity Theft XXXX XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

10. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

11. Identity Theft XXXX XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

12. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

13. Identity Theft US SM BUS ADMIN ODA Date of inquiry : XX/XX/XXXX This is not mine. 

14. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

15. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

16. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

17. Identity Theft XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

18. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

19. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

20. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

21. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

22. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

23. Identity Theft XXXX XXXX XXXX of inquiry : XX/XX/XXXX This is not mine. 

24. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

25. Identity Theft XXXX XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

26. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

27. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

28. Identity Theft XXXX XXXX Date of inquiry : XX/XX/XXXX This is not mine. 

29. Identity Theft XXXX Date of inquiry : XX/XX/XXXX This is not mine.

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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
CREDIT COLLECTION SERVICES LOCATED AT : XXXX XXXX XXXX XXXX, MA XXXX ( XXXX ) XXXX HAS BEEN SENDING ME COLLECTION NOTICES IN THE AMOUNT OF {$370.00}. THE COLLECTION HAS BEEN REPORTED AS PAST DUE BALANCE. I DO NOT KNOW THIS COMAPNY. I HAVE NEVER DONE ANY BUSINESS WITH THIS COMPANY. THIS COMPANY DOES NOT HAVE A CONTRACT WITH MY SIGNATURE.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tribal Lending Enterprise, Inc.
State: AZ

Complaint narrative:
XXXX/XXXX filed dispute of loan XXXXpolice report signed by local XXXX and sent to company No communication XX/XX/XXXX turned over to true accord collections XX/XX/XXXX noticed collection company this was already disputed sent in the required information to the company they sent it back to golden valley No communication XX/XX/XXXX received email regarding the collection resubmitted all of the information and XXXX XXXX collection sent it back to Golden Valley XXXX XXXX received email from Golden Valley that all the docs I had sent over the year needs to be notarized emailed company back with questions no response XX/XX/XXXX received notice of collection with True Accord disputed again

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 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: UT

Complaint narrative:
I had to report my card stolen and report fraudulent activity on my account so I had to receive a new card. When I received my new card I tried to follow the steps to activate it. The only way that I can activate the card is through the app which I can not access due to not having access to the number or email that I had set up the account with. I have called customer support at least 6 times and have been told that they can not help me and that I will have to set up a new account and lose access to the funds that are in my current account. I am on hold once again with customer service as I type this right now. I was already on hold earlier for 30 mins with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021, I sent a letter regarding inaccurate and unknown things on my credit report. To this day, over 30 days later, I have not received a response yet. I feel like Im being taken advantaged of and being ignored. Section 611 ( a ), It states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. Its been over 30days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and XXXX have gotten into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: SC

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my 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 2021-06-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Professional Debt Mediation, Inc.
State: GA

Complaint narrative:
The apartments in which we lived is saying we owe a balance. They refuse to furnish me with the online portal transactions which will show we paid the final bill. They sent the balance to Professional Debt Mediation. I disputed the balance and the account was rendered closed with the apartments saying they had made a mistake. PDM sent a letter stating the account was closed. A few mo the later, they sent another letter on the same account trying to collect the balance after closure. I tried to reach out and both PDM will not furnish the portal transactions. I hired a lawyer and all communications with PDM were to go through my lawyer. I received an email from XXXX XXXX where PDM reported the balance on my credit. I need help please.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am a victim of identity theft. Someone has opened numerous accounts in my name. I have reached out to the credit bureau 's to help me resolve this problem. its been over 30 days with no reply. I feel like i'm being taken advantage of. this situation has been extremely stressful. I have sent in my police report an disputes. I have called the company 's to try to resolve with no help. I feel im being ignored. If something its done soon I will be forced to seek litigation. The law clearly states that I should be contacted with in 30 days Of the start of the investigation. Which I have not been. My info was also compromised by the XXXX  data breach. I am a victim an I will not continue to be bullied. Please look into this immediately. 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 2021-06-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I had a secured credit card through Wellsfargo Bank. I was upgraded to a non secured card and my deposit was supposed to have been paid back to me. I was told that I should receive a check in the mail by XX/XX/2021. I have never received that check. So calling them back I was able to reach someone who said they could put the funds directly into my account. As of XX/XX/2021, I still haven't received anything. Calling Wellsfargo today after speaking to 4 or more people I was able to speak with XXXX who informed me that the check had been cashed on XX/XX/2021. The next person I spoke with states that XXXX should have not told me. I appreciate XXXX. I don't appreciate all of the other workers that continue to fail to do their jobs. Also I was told the only person whom can assist me is XXXX and his phone number is XXXX XXXX XXXX XXXX. I left a message. My credit score is dropping due to high usage because I had planned on using the XXXX dollars to pay of the credit card balance. No one has helped me get my funds back.

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 2021-06-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of reciept of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: National Credit Systems,Inc.
State: GA

Complaint narrative:
Dear Sir or Madam : I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. I have circled the items I dispute on the attached copy of the report I received. The items I am disputing do not relate to any transactions that I have made or authorized. Please remove/correct this information at the earliest possible time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 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: EQUIFAX, INC.
State: TX

Complaint narrative:
remove XXXX XXXX XXXXXXXX fcra violations

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I received a notification from Chime regarding a purchase from XXXX XXXX XXXX XXXXXXXX for {$170.00}. I did not authorize this purchase and the card being used was in my possession. I immediately reported the card as stolen. Chime would not allow me to report this transaction as fraudulent on XX/XX/XXXX since the charge had not settled. I then contacted XXXX XXXXXXXX XXXX XXXXXXXX to have them locate this fraudulent order so that it could be reversed. The CSR from XXXX XXXXXXXX XXXX XXXXXXXX attempted to locate the charge with my information such as my name, email address, phone number and the last 4 of the credit card. He was not able to locate anything and stated he would have someone from another team investigate and contact me with XXXX hours. 

On XX/XX/XXXX, the charge posted to the Chime account. I immediately initiated a dispute. I was emailed the dispute form to fill out on XX/XX/XXXX. I immediately filled out this form and received an unacceptable response of having a temporary credit added within 10 business days while they conduct their investigation. I then called Chimes support number and was told that they received the form and it was filled out correctly. I inquired as to why I did not receive a credit immediately since this charge was fraudulent. She stated an investigation would need to occur. 

On XX/XX/XXXX, I reached out to XXXX XXXX ( Director of Customer Service ) for XXXX XXXX XXXX XXXX explaining the situation and asking for assistance in rectifying this issue. I received a response back from XXXX XXXX on behalf of XXXX XXXX. She stated that she couldnt assist with this matter and I would need to reach out to Chime. I then advised her that I already reached out to Chime but in order to facilitate a quicker process, it would need to be located and refunded from their side. She refused again and repeated the same language. 

On XX/XX/XXXX, I received an email from XXXX XXXXXXXX XXXX XXXXXXXX stating that they were unable to locate the charge with my identifying information and to contact Chime since it would appear my debit card had been compromised. On XX/XX/XXXX, Chime emailed me stating that the charge would stand and no fraud was found. This is completely contradictory to the actual merchants response.

Company response to consumer: Closed with explanation