vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Good afternoon, I applied for and received a Wells Fargo Cash Wise credit card. The card offer stated that I would receive 0 % interest for 12 months. However, I have only had the card a few months and they have charged me interest for the past two months. I contacted Wells Fargo and they credited me back the 2 months interest, but they did not change my interest rate back to 0 % In addition, I was supposed to receive a {$200.00} cash bonus after making {$1000.00} in purchases, which I have done. However, I have not received the {$200.00} bonus. I have inquired about this two times, but I have not received the {$200.00} bonus. 

Attached is the offer that I responded to.

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 2018-03-30 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I would Like to File a complaint On behave of Wells Fargo bank. I called the Bank to asked for a One time late payment fee forgivness. I was Told By the Rep That she couldn't do it since My Payment was due on the XX/XX/XXXX Of the Month and today is the XX/XX/XXXX. Poor Banking wells fargo I been a Customer at Your Bank for exactly 10 Years. If you are that Hard up for {$27.00} late Fee bless You and Your bank. From your past Experience of opening up Fradulent accounts in fake people Name Your bank is No Good! I will ask your business to Please remove the the late payment Fee as a 1 time courtesty and I will Give you 30 Days to DO IT if you fail to do so watch How QUICK I WILL CLOSE EVERY ACCOUNT IN MY NAME WITH YOUR COMPANY! I deal with alot of Banks and I have never in my life seen one quite as dirty as Yours to a customer of 10 years very sad WELLS FARGO

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 2018-03-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I called the Experian customer support line to inquire about wrong information in my credit report. After waiting on hold for about 15 minutes, I spoke with an agent that was unable to assist me so she connected me to a dispute specialist.I can't recall his name but he had an XXXX accent. I certain there are phone records to validate. However, he was very rude and as I was having trouble understanding him due to his heavy accent. Long story short : he became frustrated and told me was going to hang up the phone in my face. I responded, that if you do that it would be very rude and I would contact his boss. He hung up the phone in my face.

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 2018-03-30 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: IL

Complaint narrative:
I am a victim of identity theft and Equifax is giving me a very hard time removing a fraudulent XXXX  XXXX XXXX ( XXXX  ) account. I have included ALL of the required documentation pursuant to the FCRA 605B Block of information resulting from identity theft, which states any account a consumer identifies as fraud should be blocked by the consumer reporting agency within 4 days of receiving notice. A dispute was opened for this XXXX account XX/XX/2018. My notice included everything required by FCRA law to block the account, but yet Equifax did not. Nor did they notify me letting me know the account would not be blocked ; which by law was supposed to occur within 5 days of receiving my dispute. 

Not to mention, the XXXX account is now reporting as a charge-off. I have attempted to remove this erroneous account many times, Equifax has made this experience very stressful by " verifying '' each of my attempts through their XXXX system by matching a name, last 4 of ss #, DOB and address. Of course these things will match, it's IDENTITY theft! 

I take paying my bills on time very serious, having a charge off on my report that does not belong to me is very humiliating. I am unable to obtain any credit because of this fraudulent XXXX XXXX XXXX account. Equifax negligence in this matter has caused me undue emotional and financial stress. Submitting my dispute through the CFPB will be my last and final request. If this XXXX XXXX XXXX account is not deleted immediately, I will be left with no choice but to file a civil lawsuit in my county.  I will name Equifax, along with any and everyone who touched my file, as a defendant for violating my consumer rights and putting me through such stress. I will subpoena every phone call, correspondence and record in Equifax 's system ( s ) and file cabinets related to me and will sue for EVERY error found. I will also sue for punitive damages. Please know that I am a litigious consumer and my spouse is an active XXXX XXXX XXXX in XXXX. I am no longer playing this game with Equifax! You will no longer violate me and cause my life a living XXXX from your negligence and willful noncompliance. 

Please also note that you ( Equifax ) are the only bureau reporting this fraudulent account on my credit report. XXXX and XXXX  deleted the account months ago, after my first attempt. Also please note that you all deleted the XXXX inquiry not too long ago as well. That alone verifies there was an error. How is the account mine but the inquiry isn't?! 

Equifax is also reporting the wrong phone number for me in my personal statement section where is states creditor should contact this number before extending credit. The number reporting does not belong to me and I do not know who it belongs to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 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: AES/PHEAA
State: CA

Complaint narrative:
Okay clear example how XXXX works.. 

I am paying off my Student Loan in its entirety.. 

But I did a test payment first in the amount of {$5600.00} it was scheduled to come out today. 

XXXX has NOT processed the payment and will wait days. Then charge me additional interest! 

Not this time.. They were to take the payment today. 

From this moment forward any and all interest accrued from them not taking the payment with be credited back to me. 

From this day forward XXXX.. You mess with my account, as I finally pay it off and I am coming after you for monetary compensation each and every day you sit on my payment. 

I suggest when you say you will take the payment you do. You are not owed a single XXXX more!! 

I can't stand you!!! 

I will say this now that once the account is paid in full.. You are never to contact me again!!! Ever!!!! 

If you pull any shady stuff in the future I will have you in court so fast your head will be spinning!!!!! 

I will be down your throat until this loan is paid in full to ensure everything is handled properly and today is just another example of your XXXX business practices ...

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: First National Collection Bureau, Inc.
State: FL

Complaint narrative:
Received letter claiming judgement was entered against me and the account was placed with the office to be collected. 

No record of judgement, court filings or even the debt can be verified or found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: AES/PHEAA
State: FL

Complaint narrative:
Hello, XXXX XXXX reported to XXXX, XXXX, and Equifax that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX   falsely reported late payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 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: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
called chase and complained about a chase card on my transunion. i did not apply for one. XX/XX/2016. still on my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX, my husband and I inquired about a home mortgage from Citizens Bank. The sales associate pulled our credit reports as part of the process. He informed me that he could not proceed because I have a " freeze '' instituted on my XXXX account. I did this -- as a matter of RIGHT -- when the XXXX breach occurred. I told the sales associate and asked if they could proceed with other credit reporting agencies. The sales associate said no. I asked to see the policy requiring reports from all 3 major credit reporting agencies. He refused to show me. I pressed again. He said that my application was being canceled, and pointed me to this : XXXX XXXX   XXXX This policy says nothing about using all 3 major credit reporting agencies. And it says nothing about XXXX, specifically. Instead, it says : The lender must obtain a credit report for each borrower on the loan application who has an individual credit record. The credit report must be based on data provided by the national credit repositories. Acceptable credit report formats are described in B3-5.2-02, Types of Credit Reports. For credit report requirements in DU see below. 

A nontraditional mortgage credit report or other form of alternative credit verification may be used if the borrower does not have sufficient credit to enable the development of a credit score, or does not use the type of credit that is reported to credit repositories. 

See B3-5.4, Nontraditional Credit History, for additional information. 

I pointed this out to the sales associate. He said, " Thank you again for applying with us. Unfortunately we can not proceed with your application as is. '' Again, I asked to see the policy. He said that he had already showed me ( he hadn't ). 

I called the CFPB hotline. I was told to file a complaint online. 

The sales associate is : XXXX XXXX Branch Manager - NMLS ID # XXXX President 's Club - XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX - Mortgage XXXX XXXX XXXX, XXXX XXXX   XXXX XXXX, NY XXXX Direct/Cell : XXXX eFax ( secure ) : XXXX Email : XXXX Web : www.citizenslo.comXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: SC

Complaint narrative:
I made a checking account balance inquiry at a non-Regions ATM on XX/XX/XXXX. There was a notice on the ATM from the other institution that a fee would not be charged by them, but that Regions Bank may charge a fee. 

However, I was unaware that a {$2.00} fee would be charged by Regions Bank simply for getting my balance. It is a deceptive practice not to tell customers what the fee is for checking their account balance. While I was provided this information at account opening, that was over 15 years ago when I opened my account in XX/XX/XXXX. 

There should either be no fee to check your balance, or the fee should be disclosed to you before you proceed with the transaction. 

I would like my fee refunded for the Bank failing to disclose the fee to me at the time the transaction took place.

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 2018-03-30 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: FL

Complaint narrative:
I am writing you because I have attempted to contact Customer Service and they are unwilling to address this issue. 

In reviewing my student loan account I can see from Navient 's records that including payment to the school and interest I borrowed a total of {$29000.00} Since paying on my loan I have paid a total of ( {$18000.00} ) Meaning I should only owe the remaining balance of {$11000.00} However Navient is reporting in my account and to credit bureaus that I owe {$26000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: OR

Complaint narrative:
Lakeview Loan Servicing LLC continues to delay crediting payments. 
In XXXX payment was sent on XX/XX/XXXX from our XXXX XXXX Bill Pay system in the amount of {$1800.00}. The copy of the check is stamped by XXXX on XX/XX/XXXX but the payment was not applied until XX/XX/XXXX. 

The same thing occurred in XXXX the payment of {$1800.00} was sent on XX/XX/XXXX but this was sent electronically and XXXX tells me is should arrive in 3 business days. This payment was not applied until XX/XX/XXXX. XXXX tells me Lakeview changed the payment to electronic- this is something I do not understand- how Lakeview can make this change- I am told by XXXX that this makes the  payment show up in 2/3 business days. This transaction does not have a stamped check like the XXXX payment. 

These late payments result in a fee. Every month I call Lakeview and complain and thus far they have been willing to reverse these late charges. 

Every time I call I get different information. I ask to speak with a manager and they tell me the payments are in fact late, when my bank tells me they should not be.Hold times are excessive. How can I use another loan servicer? Lakeview is TERRIBLE!

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 2018-03-30 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: GA

Complaint narrative:
I began disputing these items with the Credit Bureaus, and more specifically Trans Union on XX/XX/XXXX. I sent follow up letters on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. I believe the public records reporting on my credit report are not reporting accurately nor or they in compliance with the FCRA and FDCPA.

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 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
Paid off my Chase XXXX card in full by the due date. Balance paid was {$2300.00} on XX/XX/XXXX with a personal check at the local branch in person, XXXX statement confirmed payment date. The due date was XX/XX/XXXX. The following month was billed for interest of {$17.00}. I have paid my balance in full hundreds of times on various cards over the years and have never had an additional interest charge on the following months statement. I contacted Chase XXXX after discussing the issue with our local Chase bank branch manager and was told that the interest was due. In my opinion, they are literally committing fraud on potentially millions of accounts. Would appreciate a refund in full, a letter of apology for the fraud they have committed against me, and XXXX to be financially penalized for fraud.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-03-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/XXXX, I noticed my chase sapphire preferred card was getting declined. My balance was {$0.00}, I had no idea what was going on. After, I called Chase to see what was happening. They said that my sapphire and freedom unlimited were being periodically eviewed. I had a credit limit of {$27000.00} on the freedom unlimited, where I had a {$7300.00} balance. I HAD A 0 % APR OFFER FOR 12 MONTHS. That is the only reason I had a balance. 

I called Chase again last night and they said they closed all 3 of my accounts. I had a regular freedom card as well. I pay that off monthly like the sapphire. 

Back in XX/XX/XXXX I had two {$500.00} freedoms which I maxed out and never paid. In XX/XX/XXXX, Chase approved me for {$1000.00} on my new freedom. I have had 0 issues since then. Fast forward to XX/XX/XXXX, I applied for a sapphire and a freedom unlimited. I was approved for a combined {$36000.00}. I have had AGAIN 0 ISSUES. I made some financial mistakes when I was XXXX. The CFPB didn't even exist then. Now, all of a sudden, Chase decides to close all of my cards? I have NEVER manufacture spent or churned cards for signup bonuses. This is beyond absurd. 

I have XXXX points on my sapphire card as well by the way.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: Dynamic Recovery Solutions, LLC
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX both of these numbers have called myself and my family members asking about my whereabouts about money I owe, acting to be collection agencies but give a different name and call from different numbers then threaten to have me arrested if I do not pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-03-30 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: FL

Complaint narrative:
Hello, XXXX XXXX reported to Transunion, XXXX, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.

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 2018-03-30 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, XXXX XXXX reported to XXXX, Experian, and XXXX that I was 90 days late in my payments in XX/XX/XXXX and 120 days late in XX/XX/XXXX. As evidenced by attached documentation, I was utilizing a general forbearance and my payments were XXXX dollars for the period of XX/XX/XXXX - XX/XX/XXXX. Since there was no payment due for this time period, XXXX XXXX falsely reported late payments.

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 2018-03-30 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: TN

Complaint narrative:
In XX/XX/2016 I used XXXX XXXX to refinance a house I owned. Through XXXX XXXX   process they ran my credit three times : 3x with XXXX/XXXX XXXX giving me three hard inquiries. They told me that was standard practice as they shopped my loan. This is wrong since I filled out one application. My credit score has dropped dramatically because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: FL

Complaint narrative:
I pulled my credit report this morning and found that XXXX has resold an account to Sunrise Credit Service for an amount of {$300.00}. This debt was first sold to XXXX XXXX XXXX.and was closed out and removed from my credit reports through the CFPB on XX/XX/18, after the collection company admitted they could not validate this debt ( 5 certified letters with no responses ). Please see XXXX 's response below. I am requesting that Sunrise cease collection and remove tradeline from all three major credit bureaus, as no company has been able to do validate this debt as mine. 

Complaint # XXXX On XX/XX/2018, this account was closed with XXXX XXXX   and returned to our client, XXXX. We will request that our information for this account be removed from the credit reports as the account is no longer placed with XXXX. To ensure resolution in this matter please contact XXXX directly. We sincerely hope this represents a satisfactory resolution to your concerns. I would invite you to contact our Compliance Department for further assistance. Our number is XXXX or you may Email : # XXXX ; Kind regards, Compliance Representative at XXXX XXXX , XXXX 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