vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-02-25 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
On XX/XX/19, I ordered approx. {$2500.00} of furniture from a XXXX XXXX Store in XXXX XXXX. The salesman told me I could save an additional 10 % if I opened a XXXX  XXXX credit card, so I did. The card is administered through XXXX XXXX Since then, five weeks have passed and I have received {$120.00} in " rewards. '' I believe {$50.00} of that is a signing bonus. The problem I'm having is with following-up on the remaining {$120.00} in rewards I was promised. Upon logging in to my account on the XXXX XXXX website, there is a reference to " awards '' but the amounts don't match what I received. On tab identifies " bonus rewards '' and a separate tab is for " design rewards. '' In addition, the store has a program called " XXXX XXXX. '' Upon requesting clarification by phone, the XXXX XXXX rep was unable to explain, saying, " we don't have details about all the promotions offered in stores. '' She referred me to XXXX XXXX 's customer service department, which also was not able to provide a full summary of rewards issued and pending. The rep said I could send an email to someone in XXXX XXXX ( no phone #. ) After I explained that an email wasn't going to be sufficient, the XXXX XXXX rep went to the extra effort of getting a XXXX XXXX representative on the line, and it got sorted out. 

My complaint is that there is not a consistent channel for information about rewards based on purchases made using a XXXX XXXX credit card. Some rewards are available only for credit card holders, while others are generated through promotions available to any shopper. Recipients get cards in the mail saying " your bonus reward dollars have arrived '' and it is not clear what the amount is based upon. None of the awards appear as cash-back on the credit card, which is what I expected. The 10 % is not a rebate, it's a coupon for future purchases. No one at XXXX XXXXk, XXXX XXXX or XXXX XXXX can provide a complete picture. The impression left behind is that XXXX XXXX cardholders are getting the runaround with confusing promises and messages about rewards.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I was on the phone with a Wells Fargo Home Mortgage Consultant to discuss options for a pre-approval. I had issues verifying my SSN and DOB. I was asked to visit a branch in person to verify this information. This was the second time I've had to get my information verified at a branch since opening my account in XXXX. Neither my SSN nor by DOB has ever changed. 

Upon visiting the branch, I've learned that my SSN and my DOB were both incorrect by one digit. In addition to this : - I also learned that a credit card application had been placed in XXXX. XXXX was a while ago, I don't remember whether or not I had placed this application. But the graver issue at hand was how an application could have been placed without verifying my DOB or SSN.

- I have been using Wells Fargo 's online banking website to view a FICO score. I've since been told by Wells Fargo that this FICO score belongs to someone else, and is visible because I had someone else 's SSN tied to my account.

In trying to clarify this issue with Wells Fargo, I'm trying to understand when my SSN and DOB first started showing up as incorrect. They refuse to share this. My concerns are as follows : - I have no visibility on whether or not this personal information was wrong from the day my account was created or whether someone had changed the info since then. Wells Fargo refuses to share this. There are implications for me if a malicious party has my personal information and is changing my account details.

- I have problems about Wells Fargo 's procedures and security measures. How was a credit card application placed without confirming my DOB or SSN? How is it possible for me to view someone else 's FICO details without some verification that the score is tied to the correct account, through some means other than SSN? Data like DOB and SSN should be nearly immutable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-02-25 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Synovus Bank
State: GA

Complaint narrative:
Contacted XXXX XXXX for refund sent to inactive account for son Called XXXX, rep answered XXXX XXXX  XXXX. Advised needed to validate account and asked for pass code. Said sending a text to validate account advised to get son on phone to validate his account. Told me to logout of XXXX   XXXX while refund processed. Read off last transactions to me. Said could see sons account was inactive and a new account was formed. Said could not verify son. Received weird text from XXXX   XXXX saying cancelling {$210.00} payment. Rep said that was part of the process to validate. Said needed another contact in my cash app to third party refund. Called my mom XXXX XXXX. The rep gathered same info from her. Put me on hold. Got a fraud alert from my bank. Asked rep what was going on because bank called and texts started coming in sayin pin changed, card disconnected and money transactions and cancellations. Rep hung up. My account had been wiped cleaned. I tried to get back in XXXX  XXXX. Contacted fraud alert at my bank. Deleted account to prevent further transactions. 

My account was wiped of {$4600.00} in about 22 minutes while on hold with the fraudulent XXXX number. XXXX XXXX investigated and concluded my account was compromised and advised me to contact my bank for a refund. My bank denied the dispute and advised me to contact XXXX XXXX since I initiated contact with the fraudsters and file a police report. XXXX XXXX has yet to respond on my next steps for resolving my refund

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: JPMORGAN CHASE & CO.
State: WI

Complaint narrative:
XXXX XXXX, won a default judgment against me in XXXX XXXX Court, XXXX, WI in 2016 while I was residing and working on XXXX. I couldn't afford to fly back to XXXX, WI for court so they won this judgment against me and I never had any account or agreement with this company. I know that they bought a debt from a former Credit Card Company that I couldn't make the payments after I lost my job and the credit card company wrote off the debt. They sold it to XXXX XXXX for whatever amount. I didn't have any type of agreement with this company and I believe they lied in court to win the judgment and now I found out they sent a letter of Wage Garnishment to my current employer where they are taking 20 % of my wages starting with my next paycheck. I can't afford to live with that much money coming out of my check for a company I never owed anything to begin with. I live paycheck to paycheck and don't want to wind up homeless over this. They are not willing to help me in any way. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CHS, Inc.
State: VA

Complaint narrative:
I contacted XXXX XXXX XXXX on XX/XX/19 regarding a letter I received in an attempt to collect XXXX. I asked if these claims had been filed through insurance and was told that it was simply too late to file ( regardless of the fact that I told her we had issues with our insurance company during the time of the claims ) and that this amount would be added to my credit report by XX/XX/XXXX if I do not pay regardless of payment arrangements. When I contacted the insurance company, they were more than happy to begin the process of refiling the claims as it was no fault of my own that they were denied. 

In my opinion, this was a deceptive tactic to collect monies owed rather than inform me of my options. She did tell me I could follow up with insurance, but then said it was too late. This felt like she was leading me not to follow up by saying, " At this point it's too late for insurance to be filed. Most insurance companies only have window of time that claims can be filed. Outside of that window they will be denied ''. 

XXXX also told me that they remove negative impacts from credit reports once they are paid in full, but I paid off a medical collection bill with them quite some time ago that still remains on my report after I was promised it would be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
Not sure what you can do, but this is what has happened. Peoples United Bank, XXXX has changed their online banking format. They have made it very difficult to find a transaction. What they have done is put a single column for both " DEPOSITS '' & " WITHDRAWALS ''. Now you have to scroll to find a small " minus " before each withdrawal transaction. There is nothing to tell you if it is a " DEPOSIT ''!! You have to look over to see what the check was and try and figure if it is a Deposit or Withdrawal!!! I have sent them 2 messages requesting that they give us the option of keeping the old format or choosing the new format. They said " that is not an option ''. I have never seen a system where Deposit 's & Withdrawals are lumped into the same column. Do you know how confusing this is going to be? This is not standard banking practices. If you want to add up all your " Deposits '' you have to scroll through EVERY transaction instead of just looking at the " DEPOSIT " column. This is very time consuming and you are going to miss some deposits as they are lumped with the withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LOAN SIMPLE INC.
State: CO

Complaint narrative:
Following the closing of my new home with a Conventional Renovation Loan on XXXX, construction on the interior, in accordance with the work write up, began. Several line items have been complete and some are partially complete. When the appointed General Contractor contacted Loan Simple on XXXX in order to schedule the inspection in order for her to access her first draw, Loan Simple told my GC on XXXX she was unable to do so, as they had not yet completed the purchase of the loan from the originating lender ( see attachment 1 ). 

On XXXX, I was contacted by XXXX XXXX at Loan Simple and she explained to me that the loan amount I closed with was less that what I should have been approved for. I was told that as a result, I did not bring enough cash to the closing table ( see attachment 2 ). The difference I am being told I have to now still pay is {$1800.00}. I am also told that if I can provide evidence that I also paid for the Consultant Fee and the Appraisal Fee ( which I already paid ), they will be generous enough to not double charge me and demand only {$510.00} ( see attachment 3-4 ). 

Now that I am XXXX to the XXXX XXXX for the forseeable future, and demolition having already begun in my home back in the United States, this situation is that much more aggrevating. This situation is the result of gross negligence on the side of the lender, as any of these issues could have been addressed prior to coming to an agreement at the closing table for whats required as far as my minimum contribution, and prior to me deploying.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CAVALRY INVESTMENTS, LLC
State: AL

Complaint narrative:
My company closed and I was laid off work 2 yrs ago. I paid my debts as long as I could until money ran out. I was not able to pay my XXXX card last year. Calvary Portfolio assumed the debt. In XX/XX/XXXX, I started working again. I called Calvary Portfolio to see about paying my debt. By the time they sent me settlement letter in XXXX, the debt was moved to XXXX XXXX XXXX, XXXX. I contact them for a settlement letter. I finally receive one after calling several times. I try setting up payment arrangements online in XXXX. After going back and forth with them for a month, they finally tell me the problem is, they no longer have my debt, nor account. I need to contact Calvary. After repeated emails and phone calls, Calvary just won't respond. I finally hear from Calvary in XX/XX/XXXX after having to open A XXXX  complaint. They tell me my debt is now with XXXX XXXX XXXX lawfirm. I repeatedly call and email them with no repose. I open a XXXX complaint with Calvary in XX/XX/XXXX. They tell me they authorize this law firm to work with me on their behalf. I get in touch with XXXX XXXX at XXXX XXXX XXXX. We agree to settle on {$140.00} per month, for 12 months. She said she was mailing something in the mail this week. To date, I have not received anything from her. I have numerous phone messages over the past 2 weeks since I only get voicemail. They say they will return a call within 1 business day, but they never do. I open another XXXX  case against Calvary but I'm told it does not meet their criteria. Calling Calvary does nothing. I can't get through to anyone. What do I do? Not to mention, if you XXXX XXXX XXXX XXXX lawfirm, a lot of people are saying it's a scam and ripoff company, so I'm even more fearful of sending them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Sortis Financial, Inc.
State: HI

Complaint narrative:
I agreed to a settlement with Sortis Financial, on a condominium I purchased in XXXX. I had secured a {$61000.00} HELOC, during the purchase of the condo, but because I lost my job in XXXX, I could not pay the monthly payment. I stopped paying and in XXXX I agreed with Sortis that the loan will be reduced to {$18000.00} and I would make monthly automatic withdrawals payments from my bank account. After about 5 years Sortis stopped collecting the monthly payment. As a result I thought that the agreement was resolved. Unfortunately, I did not know that they stopped collecting because they arrange payments in 48 month increments. 
Accordingly, I put my property on the market to find that the HELOC was still a debt on the property. I contacted Sortis and found out that of the {$18000.00} agreement I had paid {$17000.00}, 97 % of the agreed amount. Therefore, I asked Sortis if I could pay off the balance on the agreement to resolve this debt. I contacted Sortis XX/XX/XXXX asked for a resolution. Sortis said they needed to contact their client and would get back me and let me know what their client said about the offer to resolve the debt. On XXXX XXXX, XXXX, I had not heard back from Sortis, so I called them myself. They did not have an answer, but they said they would follow up the next, which they did and denied my request to pay the balance from what I previously paid and the agreed amount. I then made an offer to pay {$3000.00} to resolve the matter. One week later, XXXX XXXX, XXXX, I still had not heard from Sortis, so I called them again and they still had no answer to my offer to pay extra to resolve the matter. But Sortis said they would call me on XXXX XXXX, XXXX, today is XXXX XXXX, XXXX and I still have not heard from them. 
I understand this situation was caused by a misunderstanding or miscommunication but I'm trying with good faith to resolve the matter and they are not acting in good faith.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Termination fees or other problem when ending the lease early
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I leased a XXXX XXXX XXXX from XXXX of XXXX in XX/XX/XXXX. I purchased a Mechanical Protection Plan that provided {$5000.00} worth of insurance for damages to the car. I had called XXXX of XXXX and was told that this should be used at the end of the lease. My lease maturity date was XX/XX/XXXX. In XX/XX/XXXX, I realized that the expiration date to the insurance I had paid for over the past 3 years was expiring XXXX due to a mistake by XXXX of XXXX. Looking back through my paperwork, there were two items I signed for the insurance, one with the wrong expiration date, one with the right. They had messed up the initial form, but never sent the correct one to XXXX. Upon calling XXXX of XXXX in XX/XX/XXXX, they said that I should be okay as I had 60 days after the expiration date to make a claim and I would receive my final bill shortly after turning in the car. However, I had to call Toyota Financial Services multiple times starting in late XX/XX/XXXX and through late XX/XX/XXXX due to not receiving a bill. I finally received a bill today ( there is proof through the XXXX daily email my wife receives indicating what is delivered to our house daily that this was the first thing received from Toyota Financial in the month of XX/XX/XXXX or XX/XX/XXXX ). The due date was XX/XX/XXXX ( yesterday ) and upon calling they claimed that the bill was sent on XX/XX/XXXX and they won't extend my due date. However, I had called countless times in XX/XX/XXXX due to not receiving the initial bill they claimed was mailed to me and they confirmed this was in their notes. The letter I received was dated XX/XX/XXXX and they still refused to update the due date even though I had asked repeatedly for their help with not receiving a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-25 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: MI

Complaint narrative:
Since XX/XX/2013 I have had constantly fight with Experian, XXXX   , & XXXX to take inaccuracies of my credit report and at the same time I also been notified by all three companies. My information had been breached. They neglect to report properly so my scores stay low, when they report inaccurate information I dont get a descent rate on auto insurance. This is the impact of their negative practices

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 2019-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I have a PayPal Credit line of credit, which provides promotional financing for purchases of more than {$99.00}. My most recent billing cycle ended on XX/XX/XXXX and I have still not received a billing statement ( set up for electronic delivery ). My account indicates that I have a payment due on XX/XX/XXXX, but I have no way to verify that payment amount since I have not received a billing statement. I contacted PayPal and they admitted ( in multiple emails ) that there is an error with their electronic billing system and that they are working on a resolution, but have no timeline for when I might receive a billing statement. How is it legal for them to set a payment amount and due date ( and presumably charge interest and fees if the payment amount is not received by the due date ) when they are unable to provide a billing statement for documentation purposes? Do I not have the right to review my monthly statements to verify that all included transactions are appropriate?

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 2019-02-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
Ive tried numerous times to resolve issues with Wells Fargo but they keep coming up with lie after lie trying to say they notified us when we were in danger of a foreclosure when you did not, saying we didnt pay when we did try to make payments but they told us we couldnt during a loan modification so they are the reason we fell even more behind on everything ... when we finally got a chance to do a loan modification they turn around and say we never did a trial run and we didnt make payments when we most certainly did and we have had enough we had to do not one but two emergency bankruptcies that cost us money we dont have and had to pay which messed up our credit even more ... not to mention the stress they have been causing us which in turn has made us not feel to great we want restitution in the amount of XXXX XXXX not a XXXX less ... we will not rest until we get this resolved and save our home and our sanity.. from what these crooks did to us ...

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 2019-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed a double deduction of my credit card on my on-line bank statement. I immediately called Bank of America Visa to get this fixed. I was told that since it was in pending status, I would have to call back when it cleared the bank. I called again on XX/XX/XXXX when the double credit card payment cleared my bank, and after a 30 minute wait the person I spoke to said I had the wrong dept and would transfer me the correct dept. After another 30 minute wait, the representative I spoke with said I would have to wait another 3 business days to call back and get the funds reversed. This is the 2nd time BOA has done this to me. I worked closely with the BOA rep assigned my case to make sure this wouldn't happen again. And on XX/XX/XXXX I had a detailed 49 minute conversation with Mr XXXX, Ms XXXX, and technician XXXX to confirm a double deduction would not happen for the XXXX payment due on XX/XX/XXXX. The technician even logged onto my computer and assured me that BOA would not double deduct for the this payment. He was wrong. Since this same situation happened on XX/XX/XXXX and there were multiple conversations to get it fixed permanently, I assumed the original issue had been corrected. I was wrong. It doesn't surprise me though based on the different answers I get almost every time I call BOA.

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