vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Im sending this Copy of the check I gave to a Business call XXXX XXXX XXXX and other person REMOVED LABEL and put a name on it and Cash it, that easy Wells Fargo support a thief instead of a Wells Fargo Member or Customer that I being having Accounts with you for several Years. 
I requested over the phone to place a Claim about this XXXX and since Im XXXX and my English is not god, The Representative didnt get the point of my view when I tried to explained that someone REMOVE LABEL THAT I PLACE TO THE PAYEE AND THE THIEF PUT THEIR NAME OR COMPANY NAME INSTEAD., I being Ignored. 
I place a complaint about this misunderstanding from your Wells Fargo Agent and I even received letters from you asking me to wait 10 days to hear from you and even with that, I BEING IGNORED. 
My attorney advised me to ask you in the best way and I dont like to have to go legally and Close all my accounts with you. 
Thanks in advance, I will be waiting for your response only by e-mail or mail Since I cant thrust your word anymore after you lied to me and words didnt count at all. 
XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX CHECK # XXXX {$1000.00}

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 monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I walked into the US Bank Branch located at XXXX XXXX XXXX XXXX XXXX CA XXXX and requested to open a checking account. The banking representative was a XXXX female named XXXX. I am XXXX XXXX and XXXX stated, " We typically do not allow XXXX to open checking accounts at US Bank. '' I couldn't believe what I was hearing from this woman! My family and I immediately walked out of this banking location. We were being discriminated against because we are 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 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
Yes apparently there is a bank of america credit card in my name. It has like 2000 limit. It shows on my credit score. I never got this card and looks like the person missing payments. Which is affect my score. I have no idea what card it is. I try to call the bank of america check on this card no avail. Cuz i don't have the account info or the person email or address. This card should be mine Do you not check people out>? Never got anything on this credit card.

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 2019-10-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Texas Guaranteed
State: TX

Complaint narrative:
While enrolled as a full time college student I was suddenly struck by a vehicle as a pedestrian. 
Needless to say this caused me to withdraw from many of my courses for an extended period of time - to which I did report promptly to the governing body within the school in question concerning my need to forego a semester or two. 
The Withdrawal was misinterpreted by my institution, not as a medical necessity, but as a lack of appetite to attend & complete my degree. 
Ultimately this dispute was finally resolved within the Institution and the Medical Record, Police Record of the Actual Accident and so on were presented along with an appeal to reinstate my Academic Standing in good form. 

These proceedings did not, however, impact my Student Loan Status. As this entire process did take an extremely long time I was forced into default on the Loans. 

Now years have passed, & I have had Lien on my Tax returns each year to the tune of thousands of dollars. 

Thousands of dollars in payments towards these loans and no ability to gather any specific information about the apportionment of the monies collected to pay the loans. 

Finally I am able to receive some information after Legal Request. 

I am able to see in black and White the figures of these Thousands of Dollars of mine that have impacted this loan to no avail. 

Each payment has been deliberately been forwarded to pay interest and not one penny towards the loans Principle. 

I have more money to give these Loan Sharks - But I can not in good faith begin making any payments at reducing this loan to any degree now knowing that they are taking advantage of me to no end perpetually with not one penny towards the Principle of the Loan. 
As you may imagine, paying Interest Alone could go on forever to no end. 

This must be considered unscrupulous by anyone observing, How can an agency do something like this and escape prosecution is my question>? 

I need some help. I need some serious help on this. 

I have made every good faith effort in attempting to right this loan after having been horribly hurt in an automobile accident whereby I was a pedestrian deemed not at fault forcing me out of school temporarily. I am now needing to finish my degree, & Find that I can not due to this nonsense. 

I can see no rational path forward & only a gaping pit of despair concerning this Fraud that is occurring on my account. Please Help me restore my rights and put a permanent end to this. I have legal documentation as well as monies meant to be paid towards the loan that I will never remit now knowing that it refuses to pay principle balance. Please Advise. I need to have my account handled by an ethically bound governing body. 

I look forward to speaking with you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax did NOT protect consumer credit info ( Equifax data breach ). Their solution is to prevent actual owners of credit info from creating a new account to be able to access the credit info online. 
I tried creating an account at myequifax.com by providing ALL of the info needed to prove I am me. I got a message that my account could not be created -- I had to call. I was told there was a problem with creating my account and therefore I will NEVER, EVER be able to create an online account & I will ALWAYS ( UNTIL I DIE ) have to call or snail mail info to be able to manage credit freezes on MY OWN ACCOUNT. The person I spoke to would only tell me there was a problem and I would NEVER be able to find out or resolve ( EVEN IN WRITING ) so that I could create an online account. 
I was told that I will NOT even get a letter explaining what happened and how to fix the issue. They have ALL OF MY CREDIT INFO AND I CANT GIVE THEM ENOUGH OF IT TO PROVE I AM ME!!!! 
Having to call to manage credit freezes ( when Equifax is the bureau that did NOT protect MY credit info ) is incredibly tedious & painful ( a long intro message followed by one-by-one ~4-5 menu prompts for info entry, then entering a code texted to the phone # I provided in one of the prompts. Then a wait for a live person, then MORE questions to verify I am me. 
One of there questions was what is the minimum payment of one of your credit cards. I don't know because I pay the ENTIRE balance EVERY month. That answer was not good enough -- I had to log into my CC account to find the minimum payment ( that I NEVER, EVER USE ). 
The person I spoke to said my unfrozen account would automatically be re-frozen at the end of my requested period. But, since they didn't protect my info in the first place ( data breach ), how can I trust them????? -- I would have to call AGAIN ( and go thru the ENTIRE question / prompts ) to verify the freeze status. 
Remember -- it is Equifax who was EXTREMELY LAX at protecting MY account info -- now it is EXTREMELY DIFFICULT to handle MY OWN info!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: OH

Complaint narrative:
This is my third and final complaint to resolve the credit reporting errors that EXPERIAN has said twice thst they fixed, but didnt! Im seeking monetary damages for the issues having this not fixed! Two loans were denied because Experian listed my sisters credit on my credit and it is still there! I

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 2019-10-10 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: NY

Complaint narrative:
Experian keeps reporting inaccurate information on my credit report and refusing to remove it. I disputed 2 items XXXX XXXX and explained to them I NEVER had a XXXX XXXX account and provided proof of my identify via mail. I am currently identified as 4 different names on my credit report and provided proof such as my marriage license and birth certificate that I should be recognized under 2 names only ( maiden name and married name ). So by them making the proper adjustments on my name, that will show proof I NEVER opened a XXXX account this year or any year for that matter. Not to mention, I've NEVER even had my own mobile account as I've always been under my husbands plan. Also, they are reporting XXXX XXXX which is a collections agency that was under litigation with me in court. XXXX removed this from my account, but Experian is still reporting this. They ( collection agency ) had taken me to court and I WON the judge ruled in my favor and I expressed this and it's still on my account. My husband and I are in the process of buying our first house and this inaccurate information is affecting my future.

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 2019-10-10 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Conn's, Inc.
State: TX

Complaint narrative:
I paid off my account with Conns on XXXX/XXXX/2019 in the amount of {$170.00}. On XXXX/XXXX/2919 I started receiving collection calls from the company. I made the agent aware I paid off my account online. They called me again on XXXX/XXXX/2019 stating Im a delinquent customer and I need to make a payment now. I informed that agent I paid off my account. They said I see that let me get this account closed out. They called me on XXXX/XXXX/2019 stating my account was past due. I told them the same thing. They said the issues would be escalated. At that point I asked for my payment history. I got another phone call on XXXX/XXXX/2019 stating my loan was delinquent and I was approaching 30 day delinquency. I made another payment if XXXX so my credit would not be negatively impacted. I requested my loan history again but Ive yet to receive it. I paid Conns in full {$5200.00} I was financed at {$3800.00}. I have been treated unfairly and I believe they have over collected on my loan. I asked several times to speak with complaint department but was declined that right. I sent an email to the XXXX XXXX XXXX and Ive yet to get a response. I have been treated unfairly and I want a refund of the full amount I paid this company. ( {$5200.00} ) Im a single mom trying to take care of my family. Conns has stressed me out about this situation. I have to been late from my breaks and lunches at work because Ive been placed on hold and given the run around about my payments and how they have been applied. I have spent countless hours on the phone with them. To get no solution. To date no representative from their company has made me feel like a valuable customer. Im trying to buy a house for me and my children and Im dishes out money to a company that can not tell me where my money is going. They owe me for pain and suffering. Ive been so upset about this matter. In XXXX my principal balance was XXXX. Then they increased my balance after I made another payment in XXXX. I have attached my credit report to show my payment history and my balance in XXXX verses XXXX 2019 2019

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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:
Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-10 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:
Inaccurate information on my credit report. Accounts does note belong to me. FTC violation. 
name ID # XXXX does not belong to me. 
Social security does not belong to me. 
phone XXXX does not belong to me. 
adress ID # XXXX does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$2600.00} does not belong to me. 
XXXX XXXX XXXXXX/XX/XXXX {$4000.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$1600.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$5500.00} does not belong to me. 
XXXX XXXX  XX/XX/XXXX {$5000.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$640.00} does not belong to me. 
XXXX XXXX XX/XX/XXXX {$3800.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$10000.00} does not belong to me. 
XXXX XXXX XXXX  XX/XX/XXXX {$7100.00} does not belong to me. 
XXXX CARD XX/XX/XXXX {$3200.00} does not belong to me. 
XXXX XXXX XXXX XX/XX/XXXX {$51.00} does not belong 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 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Today I called up Bank of America because when I was reviewing my offers online it said that I needed to contact the number on my credit card to activate offers. I proceeded to call Bank of America and asked them about it, and they said that my account needed a review and that she could do it now. So I agreed. She did not inform me that something negativa could occur. I thought they just wanted to update income and address and stuff. 

Anyways after the call she said that they will be decreasing my available balance of {$12000.00} to {$800.00}. Mind you I had just paid off like {$8000.00} on this credit card to help my credit score.  Then they lower my credit limit which will surely affect my revolving credit and I will be less likely to get approved at decent rates. Seems like a scam the bank would profit off of, by damaging your credit score so that they can charge you more interest on auto loans and such. 

This is very upsetting, due to I recently had a premature child, and I had expenses because my wife had to stop working. Now that I am able to pay larger amounts back they take away a credit line if I needed it in the future. 

Very bad business! 

Sincerely, 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 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: WI

Complaint narrative:
We started a refinance of our current course of construction loan with Loan Depot. We were told by their representative that they would only be charging us {$35.00} to run two reports and we would have to pay for an appraisal even though it was a Brand New Home. We wanted a VA loan but were told our house couldn't get one because they kept calling it a Condo which wasn't true as I had also contacted the VA and they also said we could get one but we were then told by Loan Depot we would have to hire a lawyer and have the description changed. The appraiser they used was unqualified to appraise the house in the community we are in so he ended up appraising it for between XXXX to XXXX under value. As if this wasn't bad enough my wife and I were Veterans. The mortgage company keep delaying and delaying even though we had a move in date on XX/XX/2019 on XX/XX/2019 my wife died in the XXXX XXXX XXXX Hospital due to incompetent treatment.  Loan Depot then immediately turned down the loan, as I was her primary care giver I feel we were penalized because of this, as if this wasn't bad enough a XXXX XXXX incurred charges with my HOA of {$100.00} without our express consent. The HOA invoiced Loan Depot the {$100.00} but Loan Depot refused to pay. To date I have called them several times and email them as well to include contacting the original agent we spoke with XXXX. We have been ignored every time. After 5 months the HOA is now billing me for the {$100.00}. It's bad enough having your wife of 27 year pass away   from incompetent VA employees but then to have Loan Depot run around incurring charges without any knowledge or authorization nor fully disclosing this fact is in my opinion nothing more than deceptive practices. I am hoping your agency can get us our money back.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Yes i got a sony card. Yes it was only XXXX. Then guess miss some payments. And return payments from family members.Then rack it it to owning them XXXX. They didnt reduce this or let me set up payments. To fix this issue and card open. Yet they were rude and not helpful. I loved that card and now it is gone due to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: NJ

Complaint narrative:
I'm filing a complaint against Equifax for taking 30 points off my credit score while other credit bureau, XXXX, and XXXX XXXX don't drop my score that high with the same reporting that Equifax receive. Please investigate Equifax immediately because I believe they're attempting for me to pay them for services that I don't need. I need them to stop that massive point drop on consumers credit report. 

Thank You XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: MD

Complaint narrative:
I need XXXX to remove the delinquency status of a creditor XXXX from my report based on the attached letter from the creditor of which they have a copy.

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 2019-10-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
Made a purchase of {$31.00} on XXXX/XXXX/19 on my XXXX credit card. I paid {$31.00} on XXXX/XXXX/19 ( which was late ) so I paid an additional {$27.00} on XXXX/XXXX/19. Ever since I have been getting additional bills that assess a late fee for the late fee that I didn't pay on time and now my bill is at {$120.00}. The credit card company agreed to close my account if I paid an additional {$34.00} which I did but the whole situation feels incredibly wrong to me. 

My account is now closed as of XXXX/XXXX/19 but I have paid {$61.00} in late fees for a {$31.00} purchase that I should have paid in cash. 

How do the credit card companies get away with charging you late fees for late fees when the original bill has already been paid off?

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I received a XXXX XXXX XXXX loan, Bank of America did not credit the funds that XXXX XXXX   and I paid towards my mortgage principal. Therefore, my mortgage balance is incorrect. Bank of America is foreclosing on my home eventhough the mortgage was not properly credited.

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