vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-21 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: FL

Complaint narrative:
I received a Bonus Offer from Wells Fargo for a {$300.00} Bonus for opening a new business checking account and fulfilling the obligations spelled out in the offer details. The account was opened on XX/XX/XXXX with the attached Bonus Offer code. I fulfilled all of the offer detailed obligations within the first 60 day period of the account and was suppose to receive the {$300.00} credit, within 30 days after completing the 1st 60 day requirements. According to the terms and conditions, I should have received the {$300.00} credit on or before XX/XX/XXXX. 
I contacted the Personal Banker at the local Wells Fargo branch were I opened the account on XX/XX/XXXX to inquire why I have yet to receive the {$300.00} Bonus in my account. I was given a commitment that the {$300.00} Bonus would be credited to my account within 5 business days. That did not happen. I followed up with a phone call on XX/XX/XXXX as I had not received the {$300.00} credit and was told that the offer code was not entered in when she originally opened my account so I would have to proceed with another 60 day period of complying with the original terms to qualify again for the Bonus Offer. 
I then escalated this situation to the branch supervisor since I had fulfilled all of my requirements to receive the bonus. 
After numerous voice mail messages and emails sent to the local branch, I finally received a call back on XX/XX/XXXX informing me that my situation is going through a review and would take up to 14 business days for a response. 
Seems to me Wells Fargo is unwilling to fulfill the obligations outlined in the {$300.00} Bonus Offer and hopes that customers either forget & /or get tired out from unprofessional process of trying to receive the promised offer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 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: NJ

Complaint narrative:
This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I met the terms of the offer for {$400.00} after opening and funding a checking and saving account with Citi. The account was opened on XX/XX/18. 

After receiving an email from Citi, I decided to speak with a customer service representative and get an explanation as to why the opening offer had not been credited. I was told that I was not eligible for the bonus though he would not state why. He then proceeded to hang up on me after over 20 minutes of explaining why I had met the offer terms. 

I met the requirements and am expecting my bonus offer of {$400.00} AND then additional compensation for time lost talking to an unprofessional and unknowledgeable rep. 

The terms of the offer are below. 

XXXX XXXX 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
Consumer complaint received 2019-01-21 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent several letters since XX/XX/2018 disputing the late payments that's showing in my credit report which is incorrect. I have never been late and always made my payments on time or before due date via phone call to a representative. I have sent certified return receipt letters on or about XX/XX/2018 and again on or about XX/XX/2018. 
with all letters being returned to me stamped Return to Sender Not Deliverable As Addressed, which is the address in my Equifax Credit Report. Also, listed on their webpage and a representative verified the address. They are avoiding me at this point please delete this tradeline which is a violation of my rights and FCRA. 
Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/2018, my check for the amount of {$710.00} was direct deposited into my bank account that had been closed. Chase Bank told me that the funds were automatically sent back to the payroll company with my job. The payroll company said that they do not have the funds because the money directly deposited into the closed account. I spoke to an agent with Chase Bank that advised me that the check was sent to my previous address and that I should receive the check within 7-10 business days. After the wait, the check was still not received so I called Chase Bank to have the check sent to my current street address. The bank told me to fill out a Declaration of loss cashier 's check and advised to wait 7-10 business days. I filled out the form on XX/XX/XXXX.On XX/XX/2018, I created a new account as well with XXXX and deposited my check for {$950.00} with a withdrawal of {$100.00}. My new account balance should have been for {$850.00}. This account was closed on XX/XX/2018. The agent I spoke with told me that the balance was mailed to my current address and to wait 8-10 business days. On XX/XX/XXXX I called Chase to see where both of my checks were and they told me that they never sent them out to the payroll company or my address because they could not verify where the check came from. It's been almost 2 months and I still haven't received my checks. I'm furious!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I signed up for XXXX XXXX recently, and discovered a derogatory mark only on my XXXX   credit score. It did not appear on XXXX. Credence Resource Management, a company claiming to be a debt collector has an account open for me, claiming I owe {$370.00}, with the original creditor being XXXX XXXX XXXX XXXX. I never received a bill from XXXX XXXX XXXX, and I do not have any affiliation with XXXX XXXX XXXX. My phone service is with XXXX. I called Credence Resource Management and they demanded my personal information ( social security # ) before they would tell me anything about my account. I mistakenly gave it to them and they only told me it was from XXXX XXXX XXXX originally. I told them I am not paying until I see proof from XXXX XXXX XXXX  of this debt. I gave them my mailing address, phone number, and they only sent a bill from Credence Resource Management, and a followup bill claiming a {$170.00} discount on the bill, basically bribing me, using pushy threats again, with no verification from XXXX XXXX XXXX. I researched Credence Resource Management and out of 80 reviews on XXXX, it had nearly 100 % 1 star ratings with nearly every comment saying the company is a total scam, even seeing a comment saying XXXX XXXX XXXX does not work with Credence Resource Management and XXXX XXXX XXXX themselves urge anyone who hears from them to report fraud and not to pay them a dime. I went to a local XXXX XXXX XXXX store and they found no evidence of a debt from me. This derogatory mark is significantly affecting my credit score and I need this problem resolved immediately. I went to my local bank and the branch manager agreed thoroughly this appeared to be fraud based on the lack of credibility Credence Resource Management has as a whole. I disputed this claim through XXXX XXXX already but havent heard anything back yet, and I am attacking this on all fronts especially because of everyone elses experience with this company being identical. I have no doubt this is fraud. Now they are calling every day multiple times a day demanding payment. I have told 3 or 4 of the telephone representatives about my knowledge of their 100 % fraudulence and they just continued to demand my personal info. I received my letters from Credence Resource Management on XX/XX/19. No original dates for debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I called to do a product change from the Venture Card with a {$95.00} annual fee to the VentureOne card with {$0.00} annual fee on XX/XX/2019. I was previously advised that the {$95.00} annual fee would be void as long as the product change happened within 30 days of the renewal. However, after speaking with multiple customer service representatives and managers they said the fee would remain even though they already product changed my card to one with {$0.00} annual fee the day after the fee went on my account. I need a fully refund of the {$95.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
HAD A LOAN FROM REGIONS BANK. REGIONS BANK TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAYOFF THIS LOAN. THIS LOAN WAS PAID IN FULL. THEY ARE STATING IT WAS CHARGED OFF NOT TRUE WAS NOT CHARGED OFF

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 2019-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
The local Government and XXXX XXXX and XXXX XXXX took my house after I payed it off.I have ths proof to prove it.Judge XXXX, AttorneyAuthment XXXX XXXX XXXX Manager, and sheriff XXXX was all involved.I need some help getting my home back.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XX/XX/2018 - 30 Day Late I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
The complaint revolves around the procedure of the supposed employees of the Equifax Credit Reporting company. I believe there are scam artists working within the company. Each time I was given a new number to call, the same voice answered the call and asked for more secure information. The calls were all out of the Country. I was trying to dispute an incorrect report on my account. I left my phone number, and the call was returned with one of my old cell phone numbers. Please help me to end this action. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: RoundPoint Mortgage Servicing LLC
State: NC

Complaint narrative:
My homeowners insurance with XXXX XXXX is due XX/XX/2019. XXXX has already sent the new policy and an invoice to Roundpoint, and Roundpoint has not responded. I have twice emailed the new policy to Roundpoint as well.

The online chat for Roundpoint has not been operational for the past few days ( including today ) so you can't get a hold of anyone. I need this homeowners insurance paid by XX/XX/2019. There is plenty of money in the escrow account. 

I also noticed that Roundpoint just settled a class action lawsuit for lender-placed insurance.

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 2019-01-21 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: NJ

Complaint narrative:
This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.

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 2019-01-21 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:
This is a written request to verified accounts that appear on m y credit report that I do not recognize, I believe I have been a victim of identity theft, therefor and requesting verification of this accounts on my credit or deleting of this accounts. 
An FTC complaint could not be filed due to government closure and a police report will be filed soon. 

Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX / XX/XX/2018 - 30 & 60 DAYS LATE PAYMENT I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Changes in terms mid-deal or after closing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX is not allocating my payments correctly. 
They refuse to send statements showing payments I made on account. 

I called and their excuse is due to high interest loan I was charged. 

I received a statement on XX/XX/2019. Not listing my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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:
XXXX XXXX IS SAYING THIS ACCOUNT IS CHARGED OFF THIS IS NOT TRUE. XXXX XXXX TOOK THE MONEY OUT OF MY SAVINGS ACCOUNT TO PAY THIS LOAN OFF SO THIS LOAN IS PAID IN FULL

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 2019-01-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: PDQ Check Exchange LC
State: UT

Complaint narrative:
I owe Money4you {$1900.00}. I have made payment arrangements, but they will not accept what I can afford so I have not been able to keep current. They have reached out to my employer many many times to the point that my employer is putting pressure on me. They have also disclosed information such as the purpose of the call, the amount owed, and other information.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: GA

Complaint narrative:
I have sent several letters since XX/XX/2018 disputing the late payments that's showing in my credit report which is incorrect. I have never been late and always made my payments on time or before due date via phone call to a representative. I have sent certified return receipt letters on or about XX/XX/2018 and again on or about XX/XX/2018. 
with all letters being returned to me stamped Return to Sender Not Deliverable As Addressed, which is the address in my XXXX  Credit Report. Also, listed on their webpage and a representative verified the address. They are avoiding me at this point please delete this tradeline which is a violation of my rights and FCRA. 
Please help me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
I have a XXXX XXXX credit card with XXXX  XXXX. I have had the account for over 12 years. I have never ever paid a bill late. My daughter unknown to me, bought slippers in XXXX with my card. I received a call in XX/XX/2018 on my phone saying I had a over a hundred dollar balance since XXXX. They asked if I would like to make my account current, I apologized, said absolutely and paid them via my bank account right over the phone. I received ZERO bills in the mail, I received ZERO bills in my email. I am registered to receive bills with them via email. I checked my spam, I checked my inbox, I checked All Mail. I confirmed all my XXXX XXXX emails we in fact going to my inbox successfully. I had NO idea I owed anything. They never gave me a chance to pay on time, or to tell me to pay before it hit my credit report. I have perfect credit. It is now RUINED. I went from a XXXX score to under 700 in one missed payment from them. I have called multiple times, emailed, and wrote letters saying this was not my fault. I want the late payment removed from my credit report. as it was NOT late per when I was notified I had a balance. 

The fact that they have NO - Auto pay like every other credit card company has, tells me that this is a huge way they make money, late fees and not alerting the client they have a balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-21 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX  XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX XXXX XXXX XXXX/XXXX XXXX XXXX, 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
Consumer complaint received 2019-01-21 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: FL

Complaint narrative:
Account has been closed by XXXX a long time due to an issue with payment and the faulty camera they provided. XXXX closed credit account in 2015. They transferred file to a third party. They are still claiming that account is open and they are still reporting missing payments which is innacurate. Account is no longer open. See account status : XXXX : XXXX XXXX XXXX reporting inaccurate information is PORTFOLIO RECOVERY XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-21 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: GA

Complaint narrative:
I was advised to contact you all regarding items on my credit that is not mine. I also reached out the my local police department and the FTC. I really need help to get these items off my credit report and I am doing this on my own behalf. XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX/XXXX  XXXX XXXX, XXXX  XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX, XXXX XXXX XXXX XXXX/XXXX XXXX   XXXX  XXXX XXXX XXXX/XXXX XXXX XXXX, 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