vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem getting a card or closing an account — Trouble getting a working replacement card
Company: U.S. BANCORP
State: OR

Complaint narrative:
I called XXXX to place my card as lost. I don't know where my card is and need a replacement. After 1 hour 24 minutes supervisor told me that my address had not been updated and that I would need to call back in 8 days to request replacement card. I advised representative/supervisor I called and updated address over a year and half ago and would like confirmation of our phone call. Supervisor XXXX employ ID XXXX stated he isn't authorized to sent confirmation of anything about card. He then stated he would send information through mail but it would go to old address. He then proceeded to tell me they have no ability to send information or confirmation of transactions to customers. This is unfair business practice of waiting for almost two hours then to be told the original address change never took place and a second call would be needed to replace card. Advised supervisor I need verification of this phone  call to ensure this card is deactivated. He stated he can't send this information. Asked for address : XXXX XXXX  XXXX XXXX, Florida XXXX is address was provided. Customer service through this bank is the worst I've ever experienced. I've requested card to be deactivated and will not use this bank or refer this bank in the future. Unfair business practices to consumers. Refused confirmation of any call or change completed after over an hour on the phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
On XX/XX/2020, Capital One Bank sent me an email ( copy attached ) informing me that I was eligible for a bonus on a savings account XXXX opened under offer code XXXX. Despite this written notification, the Bank is refusing to credit the bonus to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
In XXXX, i applied fro and received a " XXXX XXXX '' Barclays Mastercard branded by XXXX XXXX. I have a Ietter from Card Services of Barclays Bank Delaware acknowledging receipt of my application dated XX/XX/XXXX. 

I canceled this account in XXXX. However Barclays subsequently simply changed the account to their own branded account and have been charging me an annual fee of XXXX dollars ( {$39.00} USD ) ever since. This despite the fact that the last physical credit card they sent me carries an expiration date of XX/XX/XXXX printed on the front, remains attached to its issuing paper and has never been activated. 

BarclaycardUS collected latest annual {$39.00} fee by direct withdrawal from my bank checking joint account on XX/XX/XXXX, according to my bank statement. 

I never asked for nor applied fro a Barclaycard account except as described above, and believe that this continued abuse represents the same kind of false and unauthorized account creation seen at XXXX XXXX over the last few years. 

My attempt to pursue this matter directly with BarclaysUS through their website today failed because BarclaysUS does not even recognize my credentials to log on to the site.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
**Wallet Stolen and {$7000.00} stolen from me. Wells Fargo declined the claim even though I'm working with a private investigator that  has the suspects on camera** Name : XXXX XXXX Wells Fargo claim # : XXXX Situation : My wallet was stolen and collectively through credit cards and checking account. Of this, around {$3800.00} was charged to my Wells Fargo debit card. XXXX XXXX immediately refunded the other that was charged to my credit card. I was originally told by Wells Fargo I would be refunded within 7 to 10 business days. I called immediately and had to call their fraud department three times before they were able to successfully stop transfer of money and charges to account. At the end of 7 to 10 business days, they told me I was denied. I have a private investigator working on the case and she has the suspects on camera using my car. Wells Fargo is unresponsive in working with it.  Please help, I am going to school and late on tuition to pay.

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 2020-09-02 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: SC

Complaint narrative:
I track my credit information monthly, and two out of the three companies have my numbers in the 700. One has my numbers in the mid 600. I check my report and they have not updated my payment history in four months. When you go to dispute the information they say the card companies have not sent the updates. How is it the other two companies get the update monthly and this one does not get any for four months. You are directed to contact the credit card companies. I don't think it has anything to do with the card companies, I think it because I am XXXX American and it known that some of us have bad credit but to keep the one down who have fairly good credit is unfair to say the lease.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX  XXXX XX/XX/2020 {$1200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XX/XX/2020 {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I submitted a dispute to Experian, XXXX, and XXXX  on XX/XX/2020 to notify them of the accommodations provided by the newly passed HEROES Act in relation to my credit report. 

After the allotted time, there was no adjustment made to my credit report from either agency with regards to the properly submitted documentation and in honorable of the Moratorium. 

After contacting each bureau I was instructed to contact CFPB and file my complaint. 

HEROES ACT Section 110401 is a Moratorium on negative credit reporting during COVID-19.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian 's online website never works, and does not allow you to reach a live person. Instead, they want you to mail them the same information - drivers license, SS card, utility bills, etc - over and over again. Then they never do anything - no call back, they don't fix their site, nothing. They have cost me a lot of time and money, and have negatively impacted my life. 
- This has been occurring for over a year repeatedly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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 — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
Credit Acceptance Corp reported my payment 30 days late in the month of XXXX and XXXX although the payment was paid in XXXX and XXXX. 

This inaccuracy in reporting is damaging the credibility with other lenders. 

Credit Acceptance own internal reporting does not indicate that the payment is late, nor do they assess a late fee for the period in which they insist was delinquent. 

They refuse to fix the issue by contacting the three main credit bureaus to report the error. 

Credit Acceptance is a predatory lender that is taking advantage of individuals attempting to establish or rebuild their credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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: IL

Complaint narrative:
I am filing a Complaint against Experian and against XXXX XXXX that is listed on my Credit report twice. I have disputed then at least 6 times and each time I dispute them they come back with an different answer saying that the account is accurate causing my score to constantly drop down to a XXXX and I paid all my Bills on time before my Bankruptcy. I have explained to them over the phone and through the dispute that this account is in Bankruptcy at first in a Chapter XXXX and then after that a Chapter XXXX and they never put the account in either Bankruptcy. They just kept putting it as past due and pulling my Score down disobeying the Bankruptcy Laws. So I will like to file a Complaint against XXXX and Experian for keep allowing them to do it, and I have submitted proof of both Bankruptcy documents to show that XXXX is on my Bankruptcy Documents. Please Delete Both accounts from my Credit File if they can't obey the Bankruptcy Laws.  and put my Credit Scores back up in the XXXX where it should be. 

Thank You, 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 2020-09-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
I pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. XXXX XXXX XXXX XX/XX/2020 {$1200.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2020 I opened a checking and savings account that was offering {$500.00} bonus. the bonus offer was addressed to and mailed directly to me. i satisfied all of the requirements I still haven't received the bonus. The mailing had the following offer attached : " Earn Up to {$500.00} when you open checking, savings, or both. {$300.00} when you open a TD Beyond checking account and have {$2500.00} in direct deposits within 60 days. {$200.00} when you open a new TD personal savings account, deposit at least {$20000.00} in new money in the first 20 days and keep at least {$20000.00} balance for 90 days. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: MI

Complaint narrative:
Myself and my girlfriend live in XXXX  and we closed on our home purchase on XX/XX/2020 and our loan was through XXXX XXXX. Almost immediately after closing XXXX XXXX  sold our mortgage to loan care in XXXX. XXXX XXXX  did not have all of the details of our loan ( mortgage payment ) complete before selling it to loan care. Prior to closing we were required to have flood insurance however we went through the XXXX process and obtain a letter of map amendment from XXXX stating we did not need flood insurance. XXXX XXXX  obviously never transferred that information to loan care however I did. Loan care received the letter stating we were not required to have flood insurance in XX/XX/2020. We made our first mortgage payment to XXXX XXXX  because the loan had not yet been fully transferred to loan care. That payment was for {$590.00}. Our 2nd payment went to loan care for {$590.00} on XX/XX/XXXX. The payment amount of {$590.00} is " with '' the flood insurance that we are not required to have and that insurance has been cancelled for some time. I have contacted loan care " several times '' explaining this and they have confirmed to me verbally and with a letter they sent to me dated XX/XX/2020 that they are aware that we do not need flood insurance however our mortgage payment is due today XXXX and loan care has still not removed the flood insurance portion of our mortgage payment. We will be forced to make our 3rd mortgage payment in the amount of {$590.00} when it should be less minus the unnecessary flood insurance. We could be using that extra money we are paying for flood insurance that we don't need and that has already been cancelled for our other bills. I do " NOT '' want your office to have loan care call me because as I stated I have discussed this with them several times and gotten nowhere. If I could resolve this issue myself with loan care I wouldn't need to file this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: BBVA FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX I called the bank and spoke with XXXX operator # XXXX requesting a COVID 19 deferral. I was told by XXXX that my request for payment deferrals was approved and my payments were going to be deferred until XX/XX/XXXX. e.g. No payments would be required from now until XX/XX/XXXX. 

Starting on XX/XX/XXXX I received multiple daily harrassing calls from BBVA stating that I had failed to make my payment for XXXX. I called the bank and let them know that I had been promised a 4 month deferral on XX/XX/XXXX and gave them the name of the operator that had granted that request as well as her operator ID. They confirmed that they could see that I had called in on XX/XX/XXXX but would need to pull the call record to see what they had promised me because they had only deferred my payment by one month rather than the four I had been promised by XXXX. 

So on XX/XX/XXXX I opened a case ( Research Case # XXXX ) requesting the call record from XX/XX/XXXX be pulled and that they verify that I had been indeed promised a four month deferral. The operator that took the case on XX/XX/XXXX was XXXX ( ID XXXX ) and promised I would be notified as to the results of pulling the call record and what the first operator had promised me within 10 business days, which would have been no later than XX/XX/XXXX. 

As of XX/XX/XXXX I have received no response to my request to confirm my call granting me a four month deferral on XX/XX/XXXX. In the meantime I'm still constantly receiving threatening calls and letters stating I'm behind on my payments ... but they're unable to contact me regarding my research request that would resolve everything? 

On XX/XX/XXXX I received another threatening letter from BBVA stating that I was behind on payments. I called in on XX/XX/XXXX and asked the agent what was the result of the research request I had submitted on XX/XX/XXXX and was told that no one had pulled the call record but that I need to make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account status incorrect
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I was checking my credit when I noticed nine separate ( 90 ) day delinquent accounts from Navient, my student loan holder beginning in XX/XX/2017 and received no notifications whatsoever over the supposed 90 days of late payments. I have been enrolled in their Income Based Repayment Plan for nine years qualifying for a XXXX   balance payment annually. The process starts and continues once you file your income taxes and upload them on Navient 's website with your IDR application annually. My plans have consistently run from XXXX of one year to XXXX of the following year. There was no point in time when I had lapsed from a qualified " XXXX '' payment to being late, specifically in XX/XX/2017 when I had not yet filed my income taxes as I would normally in XXXX so that I could reapply before XXXX the following year. I have utilized the credit dispute services of XXXX and made numerous phone calls to Navient. There is no way for a loan holder to hold anyone accountable for what they do or say as not one person has an email that we can utilize as proof of document submission or conversations/instructions given by Navient agents. This has hurt my credit score, employment opportunities, and caused increases in my insurance premiums.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
To Whom It May Concern : On XX/XX/2020, XXXX, XXXX, and Experian are reporting inaccurate and unverifiable information on my credit report. Please see accounts and its details below that are deemed incorrect on my credit files. 

For XXXX 1. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For EXPERIAN 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

For TRANSUNION 1. How is this collection/charged off account still show a balance amount on my report? It should be XXXX balanced. 
XXXX XXXX XXXX Account Number : 68 DELETE THIS FOR FCRA VIOLATION. 
2. Why am I looking at totally different amounts under high credit or original amount for this account? There even is a bureau reporting this at {$0.00}. That is not making any sense at all! 
XXXX/XXXX XXXX XXXX Account Number : XXXX Delete this obviously unverifed and unvalidate account. 
3. The high credit or original amount is being reported inaccurately and inconsistently on all my 3B reports. How did that happen when this is from one and the same creditor? 
XXXX Account Number : XXXX Please remove tjis inaccurate account from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: PLANET HOME LENDING, LLC
State: NY

Complaint narrative:
For several months we have been writing to Planet Home Lending to request that our Private Mortgage Insurance ( PMI ) for our FHA loan be removed because the mortgage has been paid for a minimum of 5 years and the loan to value is 78 % of the initial sales price or appraisal, whichever was lower. 

On XX/XX/2020, we received a letter from Planet Home Lending stating that our FHA loan has met all of the requirements pursuant to FHA guidelines to remove PMI. The letter further stated that the last PMI payment was due in XX/XX/2020. 

On XX/XX/2020, we saw PMI was still included in our monthly mortgage payment, which was automatically withdrawn from our checking bank account. We called Planet Home Lending and we were informed that the PMI review process has not even been started. When we indicated that we had a letter dated XX/XX/2020 stating the opposite, she said it did not matter because there was a one payment in arrears. We were never informed at any time that there was an arrears or that FHA criteria included such as a requirement. 

Our mortgage company is not honoring their agreement as stated in their XX/XX/2020 letter that we met all of FHA requirements.

Company response to consumer: Closed with explanation