vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I signed up for a new credit card for my small business because they offered a {$500.00} bonus if I spent {$4500.00} by a specific time. 
They sent me an an advertisement email on XX/XX/XXXX that stated all I needed to spend was an additional {$1300.00} to earn the {$500.00} bonus. I spent {$1600.00}, but they said I didn't qualify because I had some returns in XXXX. Nowhere on the advertisement email does it state that refunds hadn't been calculated in the amount. 

I feel this is a very deceptive practice so I closed out my account when they wouldn't honor the {$500.00} bonus promised in the email. Had they stated a different figure I could have made additional purchases to reach the figure since it was only a couple XXXX dollars more.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-19 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:
U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; XXXX internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable

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 2021-03-19 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:
U S DEPT OF EDXXXX {$5500.00} Closed Exceptional payment history Account Info Hover over labels for more details Account number XXXX Account status Closed Date opened XX/XX/XXXX Account type Education Loan Balance on XX/XX/XXXX Loan Amount {$5500.00} {$5500.00} Payment Info Status Seriously past due date / assigned to attorney, collection agency, or credit grantor & apos ; s internal collection department Status date XX/XX/XXXX Past due amount {$5500.00} Original loan amount {$5500.00} Monthly payment - Late payments - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX C C C - - - - - - - - - XXXX C C C C C C C C C C C - XXXX - - - - - C C C C C C C C Collection - Data Unavailable

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: WA

Complaint narrative:
On XX/XX/XXXX, late in the evening ( around XXXX XXXX  ) I needed to get cash from a US Bank ATM. I stopped by the XXXX branch in XXXX WA ( XXXX XXXX XXXX XXXX ). A vandal had smashed the glass on the ATM but it appeared to be operational. I put in my debit card and went through a series of steps to withdraw {$500.00}. At the very end of the steps, the screen said something to the effect that the machine is broken and it cant dispense money and I didnt see any money come out of the ATM. The next day, I saw online that I had withdrawn {$500.00}. I immediately called US Bank fraud department and they started an investigation. I thought this would only take a couple days. I was told they have camera recordings and archived ATM data so surely they would see I didnt take any money from the machine and they would have records of the ATM notifying me that it was broken and could not give me money. In fact, the next day the machine was officially out of order. But then I was shocked to receive the attached letter, stating that no errors occurred with my transaction. Theres no way they could have looked at the camera video and ATM data that I saw on the screen and have come to this conclusion. Last week I spoke with XXXX XXXX, the branch manager and he reopened the case for further investigation. But he said it could take as long as 45 more days and at this point, I dont believe US Bank has acted in good faith which is why I am submitting a complaint with the Consumer Financial Protection Bureau.

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 2021-03-20 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$3700.00}, {$7200.00}, {$2500.00}, {$7300.00}, {$0.00}, {$0.00}, {$40000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$3700.00} -This is not my account. 

2. XXXX XXXX XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7200.00} -This is not my account. 

3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$2500.00} -This is not my account. 

4. XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$7300.00} -This is not my account. 

5. XXXX XXXXXXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- AUTO LOAN OR LEASE 6. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- COLLECTION ACCOUNT 7. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$40000.00} -This is not my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo shows my account delinquent and charged off. That is FALSE. The account is paid in full. The amount they show includes a fraudulent charge, which I have notified them about and they have ignored the blatant evidence.

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 2021-03-20 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: NY

Complaint narrative:
I noticed an account on my report that i do not recognize. I have reached out to the credit bureau multiple times. They have failed to respond.

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 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: FL

Complaint narrative:
On Tuesday XX/XX/XXXX I tried to send a friend {$100.00} that I had in my CASH APP account! Ever since that day I haven't been able to log in AT ALL or use the card provided by CASH APP! I've spoken to support multiple times and they assured me I can sign in but I am unable to ... I have a current balance of {$2500.00} in the account and I'm not able to access my money to pay my rent which is due in a few days! ... cash app support told me to just delete the app and sign back in and I did but that just allows me to create a new account and not sign in my Main account which is cash tag XXXX XXXX which is attached to phone # XXXX And email XXXX When I try to send /receive money to XXXX XXXX Cash app says there is not account with that name but when I try and create a new cash app it states that name is unavailable! This makes no sense and I demand access to my account so i can withdraw my funds Name : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I started the mortgage process in XX/XX/2021, as I want to incorporate the loan for an inground pool I had installed which has a rather high interest rate of 6.99 %. I was told with the initial phone call with the information presented, this would not be a problem, since my income and debt ratio are within limits and the appraisal of the home was sufficient for the refinance. 
The process has drug on and on, I have been asked to submit the same documents several times and I have submitted the documents several times, and each time I was told the process would proceed. This will be a VA loan. 
There is no reason for any rejection or delay as my credit scores are excellent, no missed or late payments on record.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I was contacted by someone from XXXX  for a XXXX XXXX XXXX. They give me all this reason and I think its legitimate. I dont agree to send any money until the bank clears the check. They end up clearing it which makes me believe it is real and I XXXX some money to someone they ask me too because I believe this is their money then the bank takes the deposit check out because there was a problem. I already made a claim but they are the ones who cleared the payment first

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 2021-03-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I applied to refinance my mortgage with Chase and assumed the process would go smoothly because Chase holds the note on my mortgage. I started this process two months ago. The deal ran into one delay after another, and and I was asked to submit more personal information each time, and then we finally got a closing date. At XXXX XXXX the night before the notary was scheduled to come for the final signing, I got an email asking for proof of my employment. I luckily saw it right away and within a few minutes replied with PDFs of both my most recent paystub and a letter from my boss confirming my employment ( dated the previous month, sent to prove qualification for the COVID vaccine ). 

Then, at XXXXXXXX XXXX I got an email saying that proof of the job I have been doing for over 20 years! was not good enough, and that I needed to have my boss call them RIGHT AWAY, before XXXX, to verify my employment. All of this after I had submitted three or four paystubs all clearly showing I am paid monthly. This being near the end of the month, it was impossible for me to produce a paystub dated within the last 9 days, as they demanded. And the suggestion that I call my boss - who is actually a very important person and have him call Chase immediately on my piddly little mortgage refi was insulting. 

As soon as I paid the {$500.00} fee Chase required, it seemed as if the bank was doing all it could to scotch the deal. Information was demanded of me immediately on the most ancillary things ( proof that I own the solar panels on my roof? are you kidding me? ). I refinanced with other lenders twice before and never encountered anything like this kind of treatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: NY

Complaint narrative:
In XX/XX/2018, I was a victim of identity theft. I have been able to resolve all my problems with exception of two incorrect inquires on my Equifax credit report. I have copies of letters that were sent to Equifax informing them that the inquires were incorrect and for them to be removed from credit report. Multiple disputes were completed that the information is correct which it is not. I have spoken to them multiple times, I have sent then copies of the letters in the mail and via fax. I was informed that they never received the copies via Mail and I sent them to the wrong address.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2020 Wells Fargo allowed me to a COVID forbearance during the pandemic. I am not working due to the nature of my job. When I called to start making regular payments when the forbearance period was ending and asked for the paused payments to be paid back at the end of the mortgage I was told the ENTIRE forbearance amount was due in a lump sum. In no way is this a relief program if I'm expected to pay it back in full. I was told verbally when requesting the forbearance I would be able to push the paused payments to the end of my loan. 

I am still not working but am making the effort to make my regular payments and Wells Fargo once again is not willing to understand special circumstances which none of us have ever been through. 

My regular payments are $ XXXX. Wells Fargo is expecting me to pay {$29000.00} when I haven't worked since XX/XX/2020. I get {$450.00} every two weeks for unemployment and that barely keeps the lights on and the groceries purchased.

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 2021-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was given a check to be cashed as was what was supposed to be a Commercial video for a company for Bitcoin, and found out that the check they sent to me was fake by the bank ; it was a total scam, and the individuals who had me to post the check made this out to be a " commercial '' that I was to act in ; I checked their website, to see if they were legitimate, and they appeared to be ; however, the bank informed me that the check I cashed thru them was fake and that I owed XXXX to them. The bank was Bank of America, in XXXX XXXX, and they did not want to help me at all ... ..but my bank, XXXX, isn't in XXXX XXXX , so I needed to use BofA to cash the check ... ... ..All the while, these individuals who had sent me information on what to say, what to do, and where to go were nothing more than scammers who from the start, knew what they were doing, and did not care that even though I checked them out, were still scamming people over bitcoin.

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 2021-03-20 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: DISCOVER BANK
State: CA

Complaint narrative:
Discover reported a business account late on my personal credit. I was not aware that any amount of money was owed on this Business credit card. My office has been closed since XX/XX/2020 due to the pandemic! I take pride in my credit and have NEVER paid any account late. This particular card is not used often and once the last payment was mailed XX/XX/2020 i thought the card had a {$0.00} balance. I just received notification from Discover to say check my account because a notice was sent regarding them closing my account for none payment. That same day i paid the account in full and asked to speak with a manager regarding the 30 day late payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 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: NY

Complaint narrative:
I noticed an account on my report that i do not recognize. I have reached out to the credit bureau multiple times. They have failed to respond.

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 2021-03-20 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Toyota Motor Credit is erroneously reporting to the three major reporting agencies - XXXX, XXXX, and XXXX  that in XX/XX/2021 payment was late 30 days. No payment was given 30 days late to Toyota Motor Credit and the account is current. All documentation of account statements and billing statements show the account is current with payment history identifying all payments have been provided on time. A representative over a phone call also admitted to this. Toyota Motor Credit have failed to rectify this matter. Numerous phone calls have been placed with no success.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: TMX Finance LLC
State: GA

Complaint narrative:
With bank statements to verify the payments, Ive been paying TitleMax a total of {$210.00} since XX/XX/XXXX. From the beginning, the title loan amount was {$1900.00}. My car involved is a measly XXXX XXXX XXXX. I faithfully paid TitleMax {$210.00} every single month until XX/XX/XXXX. I simply did not have enough money to pay them. Although I faithfully paid them every single month, the bill has not budged. Because of that one missed XXXX payment, today, the bill is registering over {$2000.00} & is steady going up. By XX/XX/XXXX, the amount owed will be nearly {$3000.00}. Regardless of the details in the contract, I thought that at some point, the top TitleMax officials would have mercy on their customers & would stop charging high interest on loans during a pandemic when they know that many people are suffering financially. After they called me up at the end of XXXX & threatened to take my car, I managed to scrape up the {$210.00} payment for XXXX. 
After making that XXXX payment, we had no food & our utilities almost got turned off, but fortunately, without making a payment, the companies kindly left the utilities on. In XXXX & XXXX, I was able to make only one {$210.00} payment each month ( a total of {$430.00} ). TitleMax is now expecting another whopping double payment of about {$430.00}! I dont have this kind of money to give TitleMax whereas my family is literally STARVING & the TitleMax bill is going NOWHWERE BUT UP! Theres a {$7.00} daily charge for each day a payment is late. 
On XX/XX/XXXX, before I could think about receiving my stimulus payment, TitleMax called me up & demanded a double payment & threatened to take my car although I paid them a {$210.00} payment in both XXXX & XXXX. At this point, if you figure it up, from XX/XX/XXXX, I have nearly doubled the repayment of that title loan. By right, I dont actually owe them anything & why should I give them my car after missing a single payment? 
I feel that at some point for customers who have been paying interest on a TitleMax loan for a long time & are unable to pay it out in a single lump sum, top officials at TitleMax should stop collecting the interest & forgive the loan, particularly when a customer has already double paid back the loan! 
Due to XXXX XXXX, Im on a fixed Social Security XXXX income. The TitleMax bill is similar to having a hole in my pocket. Im throwing away {$210.00} per month & the bill is increasing. I feel VERY helpless because I dont know how to stop this without giving them my car. I need my car for doctor visits, grocery shopping, & to commute my brother to dialysis. What should I do to get away from TitleMax without having to give them my car & to finally stop paying them? HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: National Credit Adjusters, LLC
State: MD

Complaint narrative:
A statement of validation does not validate debt. No documentation has ever been sent, and the lack of documentation to support any validation being sent is against FCRA. NCA has provided different dates first providing validation was sent in XX/XX/2020 and the providing XX/XX/2020, both fraudulent and conflicting. 

A copy of all the conflicting signed letters from NCA will be sent to FTC and civil litigation for damages will be sought, if all collection efforts are not stop and CRA reporting ceased.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Kriya Capital, LLC
State: MI

Complaint narrative:
XX/XX/21 notified credence to stop calling. Credence allegedly notated account and then called twice more within 45 min. 

XX/XX/21 credence called XXXX, XXXX, XXXX. When I answered they immediately hung up and then call again later. 

XX/XX/21 XXXX called credence back to notify them again to stop harassing and asked to speak to a supervisor or manager they refused. 

I am a 100 % XXXX woman please make them stop.

Company response to consumer: Closed with non-monetary relief