vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
I signed up for Wells Fargo 's Checking promotion earlier this year in late XXXX for {$250.00}. The bonus was broken into $ XXXX {$100.00}. Wells Fargo paid the initial bonus of {$150.00} on my account after meeting terms on XXXX but refuses to honor the 2nd portion of the bonus ( {$100.00} ) despite initially leading me to  believe I would get the {$100.00} as I will explain below. The terms for the second portion of the bonus were to continue making direct deposits of $ XXXX every 30 days for another 150 days following the initial 60 day period. 

Sometime just before XX/XX/2019 I contacted Wells Fargo via Secure Message asking about the status of my {$100.00} bonus. They  responded on XX/XX/XXXX indicating that I had yet to meet the terms but led me to believe that I was very close. They specifically detailed out that I made $ 500+ in Direct Deposits of {$600.00}, {$550.00}, {$780.00} & {$500.00} for the 4 months ( 120 days ) following the initial 60-day period and {$400.00} as of XX/XX/XXXX but presumably had until XX/XX/XXXX to meet it ( Deposits from XXXX XXXX XXXX XXXX and XXXX XXXX as XXXX ).  They said I had to make just {$96.00} by XX/XX/XXXX to receive the {$100.00}. The very next day on XX/XX/XXXX, a Direct Deposit of {$140.00} posted thus taking me over {$500.00} for the 5th straight month. So I thought I must be good for the {$100.00} bonus. 

Another month passes by and I still don't see the {$100.00} bonus post yet so I message them explaining to them that I had {$140.00} Direct Deposit post before XX/XX/XXXX. Now Wells Fargo tells me on XX/XX/19 that I don't qualify because I didn't meet the terms saying I only made {$370.00} in Direct Deposits from days XXXX?? ( 4th month ) despite their original message stating that I had done {$500.00}. I feel like I was screwed and deceived out of the extra {$100.00} bonus by Wells Fargo and that it should be honored.

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 2019-08-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

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 2019-08-16 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Navient has steered me into forbearance multiple times. I recently found out that my account was past due but apparently Ive run out of forbearances, although i do not recall being told that there was a limit to them. They told me this on XX/XX/XXXX and then reported negative remarks on my credit report XX/XX/XXXX because I was unable to bring my account current by then. This has made my credit score drop over 100 points. I have tried to explain to them how unfair and  wrong this is, especially since a supervisor admittedly told me today that they are not supposed to offer and or process back to back forbearances. But because they consider it an accurate reporting they are unwilling to help me. I am a parent with low income and I can not afford to accept this.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America doesn't want to release my funds. My business received a wire for XXXX from one of the business clients. They client notarized a letter saying the funds were legit, they even went as far as obtaining a notarized letter from a representative at the bank the wire was generated from saying the funds are legit. BoA refuses to release funds and threatens to give funds to the state.

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 2019-08-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Mazada financial services sent out an email stating effective XX/XX/XXXX additional payments would be applied to principle reduction rather than future payments. There is no benefit to the consumer who who may need to transition to a new job, lose their job or become ill and be forced to live on a reduced income temporarily and may need to use the paid ahead state until they are back to work or back on their feet. I spoke with supervisor XXXX at Chase who handles Mazada financial services and while he said that feedback would be forwarded no ability to respond or guarantee any chances. I was transferred by the first representative to her supervisor. The number called was XXXX. There is also no option to opt out of this new policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: TN

Complaint narrative:
Equifax, XXXX and XXXX are reporting a debt owed to the collection agency XXXXXXXX for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX, the original creditor ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to XXXX collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX county courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation. Even the amount they are reporting that I owe is incorrect anyways. However, they filed a non-suit but turned around and still charged me for the same monetary damages they claimed we were settling to drop. This invalid debt that I dont owe should be removed immediately and cease reporting!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
filed dispute asking for verification of debt but as yet to received any documents except for stating that account as been verified. 
XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Comenity Capital Bank did a universal fraudulent address change that I did not request in writing for 3 of my accounts they held. The XXXX XXXX with it's {$10000.00} line of credit I closed in XX/XX/2019 because of dealing with Comenity was stressful. I had a small balance which I broke up into 2 payments for XXXX  and XXXX. An ex-employee took the back of the XXXX statement coupon and changed my XXXX, Texas address to a XXXX XXXX, Missouri. When they saw the handwriting did not match the check handwriting ( which I am the only authorized account user ) they still went ahead and changed one inactive and two active credit cards and didn't contact me. Nor did any alarms go off for Comenity when the week prior via phone I validated all passcodes to change my address to XXXX, Texas. 

My XXXX statement went to Missouri. In XXXX, Comenity Bank calls me about XXXX past due then can't verify me because not just my address was changed but phone number and passcode. Finally, a supervisor pulls up the account previous validation. Now, XXXX Fraud Department is denying to send me a photocopy of the XXXX statement coupon so I can have a Civil case filed even though I send to their Clerk of Records a request in writing, a copy of driver license, and had an attorney call. They now say I must get a subpoena on my own account. Their obstruction is a blatant coverup their complicit action to assist in fraud. All the hoops is meant to deny me justice.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
filed dispute asking for verification of debt but as yet to received any documents except for stating that account as been verified. 
XX/XX/2019 2019

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
XXXX, XXXX  and transunion are reporting a debt owed to the collection agency XXXX-XXXX  for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX, the original creditor ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to XXXX XXXX  XXXX. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX county courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation. Even the amount they are reporting that I owe is incorrect anyways. However, they filed a non-suit but turned around and still charged me for the same monetary damages they claimed we were settling to drop. This invalid debt that I dont owe should be removed immediately and cease reporting!

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 2019-08-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
As my husband passed away in XXXX. XXXX, I asked Loan Modification to The loan company, They asked to send Deed, Death Certificate. 
They told me I dont need to pay till the Modification approved. It took long time to get the dearth cert from XXXX. ( My husband passed away in XXXX ) Finally, I got the cert in XX/XX/XXXX, and sent it. 
But its too late. I received many letters from realtors or refinance companies.Some letter says Sales date XX/XX/XXXX What? 
its going to foreclosure now? 
I called the loan company, but they say the modification is processing. 
I dont know whats going on now. 
Please advise me. 
And PLEASE STOP THE FORCLOSURE if its going on.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: NJ

Complaint narrative:
I pulled my Credit Bureau XX/XX/XXXX, the bureau had a previous address that I have never lived at. I initiated a dispute with Equifax who at the end of the dispute told me that the address was Fraud and would be removed.. On XX/XX/XXXX I pulled a new bureau from Equifax and found that the address that they told me was fraud and would be removed was  still showing on my credit file. Equifax required me to initiate a new dispute. The dispute was closed and once again Equifax told me that the address will be removed. I have another bureau pulled XX/XX/XXXX and the address still is showing on my bureau and I am being told I need to speak to the fraud group again to have my concern resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: I.C. System, Inc.
State: FL

Complaint narrative:
this account was deleted and removed from my credit report because of lack of verification of account but was place back on my report on XX/XX/2019 2019

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 2019-08-16 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: Carter-Young, Inc.
State: TN

Complaint narrative:
XXXX is reporting a debt owed to the collection agency carter-young for {$6100.00}. However, this debt is invalid and actually isn't owed. This was a debt concerning an apartment complex ( XXXX XXXX ). They filed a suit against me for eviction from the property and monetary damages. However, during my tenancy I experienced several issues where the landlord broke many terms of their own lease ( such as unlawful lockouts, and walking into my home unannounced ). I then hired a lawyer as well to counter sue XXXX XXXX in court. Because of the amount of evidence and a likelihood of successfully counter suing, XXXX XXXX and their attorney decided to settle outside of court before the set court date. The terms were for me to return possession of the property in return for them dropping their pursuit of an eviction and any monetary damages they were originally taking me to court for. I returned possession as promise in XX/XX/2014, however XXXX XXXX is still claiming I owe a balance that was then sent to Carter-Young collection agency. I have correspondence from XXXX XXXX attorney as well as mine proving they entered a non-suit and voluntary dismissal of their suit for money/possession. They did do so with prejudice, meaning they could decide to later bring a lawsuit against me back up but the issue is that they have not done so. After reaching out to the XXXX XXXX courts they have also informed me that I still have a {$0.00} balance in their system, meaning XXXX XXXX never legally sought damages from me after we settled. Therefore legally we are still on terms of the voluntary dismissal and non-suit if damages. Therefore this debt needs to stop reporting on my credit immediately! It is affecting my living situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NJ

Complaint narrative:
I use money gram to send my {$300.00} a month mortgage payment. But on XX/XX/2019 my monthly payment was sent for {$1100.00} which was an amount greater than I normally send. Since this day I have disputed with Money Gram and they refuse to send me back my money. I have disputed with my bank and then nothing happens. I have been the victim of identity theft and I did not authorize for this amount to be taken from my bank account and it should not take 6 months to get things squared away. Please return my money. I have attached my FTC Affidavit and police report

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
We have a bogus {$610.00} charge dated XX/XX/19 from the XXXX on our Citi AAdvantage Credit Card.

Citi refuses to remove to remove the charge until investigated, usually 3 billing cycles. In the meantime, I must pay it. I thought the usual policy was to remove the charge until resolved.

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 2019-08-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I check my credit twice a month. And I noticed my balance jumped from XXXX to XXXX dollars. And Ive been XXXX for over 9 years with no school activity or anything. How is it this debt has doubled all of a sudden. Which has made my credit score decrease. Please help. I made a report of identification theft with someone calling my phone and I gave up my social security number over the phone. So I hope this has nothing to do with it.

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 2019-08-16 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 — Card was charged for something you did not purchase with the card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
I had a {$850.00} credit card limit for my daughter. She reserve a car, she never picked up. I set the limit for a reason. I dont want to have to pay interest I cant afford. Capitol One allowed XXXX to put {$1700.00} on a credit card that have {$850.00} dollar limit. This effecting my credit score and Im paying {$60.00} in interest. In 2015 I checked the box to not allow my credit card to go over limit.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 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: Synergetic Communication Inc
State: TX

Complaint narrative:
Letter from Synergetic Communication, Inc. 

XX/XX/2019. Attempt to collect a debt by a debt collector. 

Original Creditor : XXXX XXXX XXXX XXXX Balance Due : {$610.00} Settlement offer : {$150.00} Payment must be received by :XX/XX/19

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account status incorrect
Company: MoneyLion Inc.
State: FL

Complaint narrative:
Initially reported company to CFPB XX/XX/2019. Company assured that they would correction their error of reporting that I was 30 days late. Company did NOT correct report but yet reported me as now being 90 days late. This has caused me not to be able to send my son to college this semester because his student loan was denied because of the false reporting. Im out of {$7500.00}. This is beyond stressful and illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: TX

Complaint narrative:
On XX/XX/19 at XXXX on Coinbase I sent {$300.00} to XXXX They say the transaction is complete but my money is not there. They will not discuss it with me over the phone and refuse to answer my emails. I dont know what to do Im out {$300.00} and they just get away with it. Please help

Company response to consumer: Closed with explanation