vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
During my CD renewal period, I called the local branch where I have banked for years to ascertain their current interest rate. I was quoted 1.4 percent. I left my CD in place in the sum of {$30000.00} and my first month of interest posted on XX/XX/XXXX in amount of {$6.00} and then {$6.00} on XX/XX/XXXX. I contacted XXXX, Branch Mgr., on XX/XX/XXXX and he said call corporate. Extremely disappointed and dissatisifed. I began contacting their Corporate office and spoke with a XXXX on XX/XX/XXXX who transferred me to their Executive Office. I spoke with XXXX of the Executive Offices Case Mgmt. Team and was assigned a case management number. I had received an emailed from bank stating I would hear in 3 days from XX/XX/XXXX. To date, never heard from anyone! I was waiting for a case manager to be assigned and was not assigned one for at least 10 days, at which time I called the main executive office and spoke to XXXX once and requested info and another time with XXXX. XXXX walked over to the case workers ' department and a XXXX provided me with her direct number and said she would work on my case, even though it was assigned to someone who was out of the office, and get back to me. I called XXXX many times and left voicemail messages. I left messages and no response. Again, I called yesterday, I spoke with XXXX for a second time at the main executive office and demanded an upper level supervisor. I held on with her for 35 minutes at which time she cut me off and never called me back on my home number or cell number. I called the main number back immediately and spoke with XXXX who does not know XXXX. He said XXXX is no longer working on my case. After 25 mins, he told me there was nothing he can do in his attempt to locate a supervisor and then transferred me to square one. I am at my wits end. I explained that we are seniors and need the rate we were promised and I want my interest rate back dated. I also stated that I would contact the Dept. of Banking & Finance if they refused to handle my account and do the right thing. Please help us to receive the promised interest rate expected, as quoted, since XX/XX/XXXX. The CD is for 9 months. I am into the third month at this time. The banking institution does not care about their loyal customers, in my opinion. I have not returned to this branch except for the cash machine. As a senior, I have had many CDs throughout my life, and I never had any issues with the bank and I know how renewals work. Thanking you in advance for your help during this time and I hope that this situation does not happen to another consumer.

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 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
REMOVE THE ATTACHED FTC VIOLATIONS

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 2020-04-28 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Flandreau Santee Sioux Tribe
State: CA

Complaint narrative:
More than twice a day, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I have repeatedly informed Rushmore Financial my employer doesn't approve of these phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION  XXXX {$1900.00} COLLECTION   XXXX {$720.00}

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 2020-04-28 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: AR

Complaint narrative:
Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for. These items are not mine. Please remove them from my report immediately. 

XXXX XXXX  XXXX {$1300.00} XXXX XXXX {$1300.00} XXXX XXXX {$420.00} XXXX   XXXX COLLECTION XXXX {$1900.00} COLLECTION XXXX {$720.00}

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 2020-04-28 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: KY

Complaint narrative:
I mailed in a dispute with Citibank in XXXX of XXXX and the same dispute again XX/XX/XXXX. I also emailed and spoke with them on the phone regarding this dispute. I have neither received a notice of dispute nor a resolution. I spoke with them on the phone today, XX/XX/XXXX, and was still unable to get a resolution.

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 2020-04-28 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I have mailed multiple certified letters to Equifax and XXXX   regarding this issue multiple times. They are not getting the issue resolved. I have 22 inquiries from XXXX that I have no knowledge of or nor do I recognize the inquiries. There are only 3 inquires that I recognize from Equifax out of the 37 hard inquiries on my credit report. 
These are the dates that I sent letters to each credit bureau requesting removal : XX/XX/2020 XX/XX/2020 XX/XX/2020 XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: ME

Complaint narrative:
I CLOSED THE CREDIT CARD ON XX/XX/2019. ON XX/XX/2019 A MERCHANT REFUNDED {$480.00} TO THE CREDIT CARD. THE CREDIT CARD COMPANY SAYS IT HAS NO RECORDS SHOWING I EVER HAD THE CREDIT CARD WITH XXXX  CREDIT CARD NUMBER, EVEN THOUGH IT SHOWS UP IN MY CREDIT REPORT.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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: SC

Complaint narrative:
I have sent multiple letters on my behalf disputing an auto loan account on my Experian credit report showing delinquent, the loan has been paid off in full from XXXX  XXXX XXXX XXXX. I contacted the creditor themselves and I was told reach out to the credit bureau to have the information removed, yet the balance is still showing negative. I have receive a letter directly from the creditor to send to them regarding the issue and still no results for the past few months. I will attach supporting documentation. 
The is account by the name of XXXX that I never obtained credit from, this was fraud, I reached out to the creditor directly and there was nothing they could do for me. I refuse to pay a debt that does not belong to me because its simply unfair. 
XX/XX/XXXX XX/XX/XXXX XX/XX/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 2020-04-28 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: NV

Complaint narrative:
These are not my accounts, nor did I authorize these creditors to pull my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
( XXXX true Identity theft ) I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft Please block this information from my report also ill list each report number : XXXX  REPORT NUMBER : Report Number : XXXX Equifax Report Confirmation # : XXXX XXXX XXXX # XXXX XX/XX/XXXX {$660.00} XXXX ) XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX/XXXX XXXX  XXXX Ive try over and over to fix this and i haven't gotten any update or proof of investigation My personal information was exposed in a data breach ( Equifax XXXX data breach ). i started receiving information not for me, i checked online & found out about the data breach i looked up my credit report i found inaccurate, false and fraudulent information that don't belong to me i contacted my local police made a report they also told me to make a report with FTC because of jurisdictions ive listed as many fraudulent accounts as i could thank you for your help i also attach a true copy of my police report number to this complaint also my case number is XXXX filed with the XXXX Police Department date XX/XX/XXXX and also have a FTC report that i also upload and my FTC case number is XXXX i been battling with this fraudulent accounts on my credit file for over 2 years please help me these fraudulent debt is hindering my ability to apply for credit or even get a frist time credit card for people trying to build credit, i don't know where to start or the next step to take to remedy this situation which has caused financial and emotional stress worst part i was denied a job based on negative information on my report, i have been subjected to adverse action pertaining to the CRA 's reporting inaccurate information as a result of fraud am a victim of identify theft and will be placing a FRAUD ALERT on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I received a notice in the mail for a judgement for my husband. The interest rate is at 12 % annually. Based on XXXX effective XX/XX/2019 interest should have been changed to 9 %. In an attempt to consolidate the debt I offered to settle at the original judgement amount of {$710.00}, the woman I spoke with said she could do {$1000.00}. Which would be waiving only {$160.00} of the post-judgement interest. I have explained to them that my husband is in a XXXX XXXX XXXX and I am not currently working. I am appalled that they would charge me additional interest illegally and not be willing to work with given the current circumstances.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Protection Association, L.P.
State: CO

Complaint narrative:
I received notice in the mail of a debt collection, but I thought that the electric utility was in my wife 's name for the 8 years we lived in our home in XXXX, which we sold in XX/XX/XXXX. I had also thought that we were paid to date, since my wife transferred a service to her name in an apartment in another city in XXXX. We subsequently moved to XXXX  and I received a notice for a debt collection, which I thought was fraudulent, so I threw it away. I subsequently saw the collection show up on my credit report in XX/XX/XXXX. In XX/XX/XXXX, I tried to get a car loan, and my credit score was significantly lower than it ever had been as a result of the collection. I then called XXXX XXXX to verify the debt, which they confirmed, but I could not pay it as it had been referred to a debt collector. They would not give me information on how, who, where the debt collector was, and the only information I could obtain was from a credit reporting agency, which had the following information : {$280.00} Original creditor : XXXX XXXX XXXX XXXX CREDIT PROTECTION XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX ( XXXX ) XXXX When I attempted to contact this agency to get information on HOW to pay the outstanding debt, the phone number is invalid. As a result, I am not able to pay the outstanding invoice. Any assistance would be very much appreciated.

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 2020-04-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I have been disputing this account since XXXX of 2019 with multiple dispute letters I sent in the hope of removing this inaccurate XXXX XXXX - XXXX account on my credit report. It is tiring and expensive going back and forth sending dispute letters with XXXX and they do not mind reporting the same inaccurate information over and over. They continue to say that the account has been investigated and fully verified but it's still inaccuracies, missing information reporting. 

Under Sec 1681 of the FCRA, the credit bureaus must delete inaccurate, unverifiable, missing, or outdated information on my credit report. If this account is not reporting 100 % accurate, I request deletion immediately. 

Error as follows : This account is no longer reporting in XXXX  so this needs to be removed from my credit report. 
This account has been disputed previously still reporting missing information. 
What is the Monthly payment on this account? 
Credit limit is not provided Past due account is not provided. 
What is the date of last payment on the account? 
The remaining balance reporting in Experian is different from XXXX. 
You are reporting a different date account last reported. 
The comment on this account is completely different from XXXX to the comment Experian.

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 2020-04-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: MD

Complaint narrative:
In XXXX of XXXX my mortgage was sold to ShellPoint Mortgage. My mortgage payment was XXXX and in XXXX  I receive a letter that my mortgage would increase to XXXX and then I receive a letter that stated as of XX/XX/XXXX that my mortgage would increase to XXXX On XX/XX/XXXX I called and spoke to Rep. XXXX she said she did not have a ID number and could not give me her last name and she begin to tell me that my mortgage increase do to my insurance. We called XXXX XXXX and they faxed the Evidence of Insurance form to ShellPoint mortgage the Rep said she receive and I should be getting a letter in the mail informing of the correction, well as of XX/XX/XXXX it has not gotten fix. I have called and talk to so many people and they keep telling me that they are fixing the matter. I am so afraid about this they have poor reviews I don't want anything to happen to my mortgage, I just want this matter fix and I want to buy my mortgage. This company is very unprofessional. No returned email and no call backs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BOK FINANCIAL CORP
State: TX

Complaint narrative:
This probably won't do any good but I am so frustrated with Bank of Texas. 
XX/XX/2020 - Opened checking accounts with Bank of Texas for 5 XXXX  We did our best to transition from XXXX XXXX to BOT in the middle of a pandemic. 
XX/XX/2020 - Scheduled an online ACH for the comptroller to pull out taxes of about {$7500.00} on XX/XX/2020 XX/XX/2020 - Made a deposit with a XXXX XXXX Cashiers check {$8900.00} BOT gives two receipts - the deposit receipt and then a second receipt showing if funds are delayed. ( did not realize this as a new customer ) I looked back at my records and did not find the second receipt. So I based my actions on the online account and the first deposit slip. 
XX/XX/2020 - Funds are not withdrawn from the account XX/XX/2020 - I call the Comptroller inquiring and they said the bank rejected the transactions and I had {$480.00} of fees and penalties. 
XX/XX/2020 - I Asked the bank why they rejected the transaction and they said they gave me a delayed receipt and they hold new customer deposits for 7 days. 
I had no idea they would hold a XXXX XXXX cashiers check for that long. I have been affected by XXXX and I am doing the best I can with extremely limited banking options and resources to get money moved around. Cash was not an option from XXXX XXXX and I think holding a cashier 's check for 7 days is extremely unreasonable. Especially if it shows available on the BOT online portal. 
My complaint is this - My online account showed the funds were available. BOT said they gave me the receipt and a copy of that delayed receipt is attached. So nothing will probably happened to them but I think during a pandemic of this magnitude to not work with people on trying to help them within reason take care of payments and move cashier checks to be available sooner is really unAmerican. We are clearly not all in this together because BOT said they would not help me with any fees and if I need to find another bank I need to do that. I do not think they should allow their online accounts show one thing and clients have to rely on a second piece of paper to know they don't actually have access to their money that came in the form of a cashiers check for 7 days. Our XXXX  is already in XXXX state and having fees like this for a mistake that was beyond my understanding is another devastating blow to our XXXX XXXX  that probably won't make it anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Opened a new credit card account through a promotional deal at XXXX XXXX using Synchrony Bank The deal was for a no interest purchase if spending over {$2500.00}, which I did, for two years. The statement I received said the same statement that payment would not be due for 2 years. 
I received a call on XX/XX/2020 that said there was a late fee charged to my account for not paying the statement, though the entire point of the account is that no payment is needed until two years from purchase date.

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 2020-04-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
Navient recently wrote me a letter XX/XX/XXXX stating they own a student loan ( s ) in my name. 
I am requesting Navient to produce the.chain of custody they own student loan ( s ) in my name. 
In the letter Navient sent two documents consolidated loan and repayment but both forms do not bear my signature. 

The FFELP Federal Consolidation Loan Application And Promissory Note form is a print name dated XX/XX/XXXX and XX/XX/XXXX the form state this is WEB form and not for public use. 
The form also state no printed name, no e -signature, no print e-name or the application will be rejected. The form state you can only mail in the form. 
The form upper right hand corner list me and the WEB as the lender. My signature is not on FFELP consolidation loan and application. 
The second document Loan Consolidation Disclosure Statement And Repayment Schedule does not have a lender name nor lender identification nor address. The typed form is missing money {$4100.00} from original amount borrowed {$53000.00} under original creditor. In XXXX their was no lender name XXXX XXXX XXXX XXXX the company did not register until XXXX for private student loans only. The form has no company identification. The months of payments are XXXX not XXXX in which make the amount owed wrong. 

The letter Navient sent stated I had a balance of {$6100.00} but Navient is appearing on my credit report as owing {$73000.00} as of XX/XX/XXXX after their XX/XX/XXXX investigation. That is a difference of {$12000.00}. Navient has damaged my credit score. This show Navient is wrong about student loans in my name they did an investigation. The letter state and the investigation was confirmed in XX/XX/XXXX. 

Sending a copy of my credit report to Navient. 

Thank you, XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation