vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
In XX/XX/2021 I paid my auto loan early in full with Wells Fargo bank and received my lien release. At the end of XX/XX/2021 Wells Fargo reported my closed account as over 30 days late. I disputed this 30 days late report with XXXX, my account was marked as closed as of XX/XX/2021 and the XXXX  30 days late mark was left in place. This inaccurate report has damaged my credit lowering my score from the XXXX 's to low XXXX 's.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CIT BANK, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I opened a checking account with OneWest Bank and enrolled in a {$250.00} promotional offer. In the offer, it states " customers who enrolled in any other OneWest Bank personal checking reward or bonus offer in the past 12 months are not eligible for this offer. '' The wording is confusing as it is not clear if the 12 months is determined by the date the account was opened, the date the bonus was received, or the date the account was closed. So I met with a banker at a local branch and had her check my eligibility. She informed me that the 12-month restriction is determined by the past accounts open date, not by the bonus received date or closure date. I had a previous account with One West bank that opened on XX/XX/XXXX, I received a bonus on XX/XX/XXXX, and then closed the account on XX/XX/XXXX. The banker checked my past relationship with the bank and confirmed that in my case I was eligible for this welcome bonus as long as I open an account after XX/XX/XXXX. Therefore, I had the banker open this account on XX/XX/XXXX, and I completed all requirements per the terms of the welcome bonus by XX/XX/XXXX. However, I did not receive the bonus so I contacted the bank and was told that I can not get the bonus this time because they determined my eligibility based on my past bonus received date. 

Apparently, the customer service team has a very different interpretation of the 12-month enrollment than the banker who opened my account and guaranteed my eligibility. I do not mean to blame the banker, she was very nice and helpful during the account opening process, but it was her false statement that led to me opening my account too soon and not being eligible for the bonus. It is unfair that I do not receive this bonus due to a banker 's mistake, not my own. Plus, the terms are not written in a clear and concise manner, which is confusing for customers as well as their own bankers, and I noticed in their latest offer has improved the words about the enrollment/eligibility so it seems they also realized their terms were misleading. Therefore, I am requesting the bank to provide me with a one-time exemption for this bonus and credit my account at this time. I would like to keep a banking relationship with OneWest bank in the future and intend to refer this bank to more friends.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I had several fraudulent charges made to my Wells Fargo debit card, all withdrawals from non-withdrawal ATMs. My fraud claim was denied on the grounds that as I had my card with me, it was a chip card, and my PIN was apparently used, that it was " impossible '' for it to have been skimmed and that all charges " must '' have been made by me or someone I gave the info to. This is entirely untrue and I am 100 % certain I did not make those charges. Most were made in my local area but one was charged in an area I had not visited in a long time. All were from ATMs at establishments that I had never withdrawn money from. After complaining unsuccessfully over the phone and filing a formal complaint with a representative in my local branch, I was again denied with the same justification. My Wells Fargo complaint number was # 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 2021-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: WA

Complaint narrative:
Was contacted in MidXX/XX/XXXX from the Fair Collections & Outsourcing ( FCO ) of XXXX XXXX regarding a debt owed to the XXXX XXXX XXXX at XXXX in New Jersey for he amount of {$8000.00}. 

I have never been to New Jersey and sent FCO a letter in XX/XX/XXXX that stated this was not my debt and to send me what proof they had. 

They send me an apartment lease not signed by me and a list of late payments not with my name on them. 

FCO then said they wanted all of my personal information to make sure they had the right person. I did not send they my personal information because that is a scam. 

They have since continued to mail me letters stating I own this debt to them. 

On XX/XX/XXXX I received a call from XXXX, a man named XXXX XXXX answered telling I owned him money and to prove it was me. I provided my name, DOB and last 4 of my SSN to him. He then provided no other information other and it was me that he wanted. 

I told him it is not my debt, he told me I needed to file a fraud 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 2021-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to pay a bill
Company: Netspend Corporation
State: FL

Complaint narrative:
I loaded {$64.00} on my Netspend prepaid Visa Card ( XXXX XXXX XXXX XXXX ) on XX/XX/2021. I checked the same day that the funds were on the card. I called Netspend today ( XX/XX/2021 ) the prompt told me that my card didn't exist even though I just loaded it. I was put on hold for 45 minutes, when someone picked up I told the Netspend representative what happened and she hung up on me. Please help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Over the course of less than 30 days, I was charged {$130.00} for four overdraft fees by Chase. When I asked that any or all be reversed, I received a message advising that they can not reverse any fees but suggested that I avoid fees in the future by making more deposits?? 

First, {$34.00} per single overdraft is excessive and should be reconsidered and reduced. Not only because we are in the middle of a pandemic, but because it seems usury in general. 

Second, deposit more money is an extremely tone-deaf response. Thank you for letting me know that you will charge me LESS in fees if I simply have more money. If this isnt taking advantage of low balance customers, I dont know what is.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
National Credit Adjuster allegedly that I owe on my credit report and have not attempted to reach out to me. When asking for validation proof, original contract, Proof Identification, estimated of contract, interest rate disclosure. And full transparency accuracy along with proof of payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: NV

Complaint narrative:
Coinbase are unreponsive with my issue in accessing my account. I use XXXX Double autentication and their coinbasee app is the only app which fails recognition while all my other accounts are able to use double authentication. As a result, im not able to transact in my account where i currently have funds. Here 's all the unresolved case #. Coinbase keeps replying with the same canned advice responce which XXXX help or provide solutions : Case # XXXX Case # XXXX Case # XXXX Case # XXXX Case : # XXXX Case : # XXXX Case # XXXX Case # XXXX Case # XXXX Case # XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
On XXXX I sent a letter regarding inaccurate and unknown things in my credit report. To this day over 30 days later I have not received a response yet. I feel like im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and my have gotten into the hands of the wrong person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: TX

Complaint narrative:
XXXX is the original complaint that I've submitted and was told they can't respond because someone else is on the the account. I'm having major issues with them just sending a default response. Can someone please look up the previous complaint I've been attempting to get documents from them since XXXX and they still can't provide it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2021, I tried to access my account at Marcus.com -- an online bank operated by Goldman Sachs Bank USA -- that I opened more than two years ago. I could not proceed to access my account without inputting my occupation and salary information, which the website claimed is " legally required. '' I'm told after 40+ minutes with customer service that the requirement is mandated by federal law. I know of no federal law that requires a bank to obtain occupation and salary information after opening a savings account, and the representative was not able to provide support. Certainly there is nothing in the deposit account agreement that a customer has to provide -- or continuously update -- occupation and salary information. Can you please help?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
My mortgage lender has sent me three ( 3 ) different 1099 claiming different amounts on my mortgage interest. As a result, my 2020 taxes were filed with the first one I received indicating I made {$35.00} in interest. Now, I have to file an amended return and my Cpa is going to charge me {$200.00} for this service. Nationstar needs to pay for this since it was clearly their error NOT mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
The bank of America has just contacted me via their secure message system and repeated their decision that their initial decision was right and the time for my claim has been out of the window which is a true lie and FRAUD. 

I have disputed my XXXX from apple exactly the same week after I encountered the error and asked Bank of America to dispute it but they did not. 

They keep bringing excuses and falsely claim that I delayed opening the dispute request and they are wrong. 

I need someone to take care of these people. 

BANK of AMERICA is wrong and I object to their decision.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS INFORMATION!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX XXXX, EQUIFAX ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT. 

I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS INFORMATION!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
I am trying to save my home. I purchased my home and closed on XX/XX/XXXX. I made the first 3 payments with XXXX XXXX XXXX. I was then transferred to XXXX XXXX. The COVID-19 pandemic hit at the same time and I was unable to work. XXXX XXXX advised me to go on to a forbearance. They explained to me that I was protected by the CARES ACT and would be fine. It would not effect my credit and they would fix when the forbearance was over. During the pandemic my loan was transfer again for the 3rd time in less than a year. My new servicer was XXXX XXXXLoan Care. Once I was getting back to work in XXXX I contacted Loan Care to resolve. They advised me to apply for a modification. On XX/XX/XXXX Loan Care told me I was DENIED and had to pay them {$26000.00} IMMEDIATELY. I was shocked and I am now facing a foreclosure on my new home. My loan has been transferred 3 times in less than a year by servicers who complete mislead me and lied to me about getting help. I believe I am a victim of predatory lenders and I need help to save my home.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I XXXX XXXX NEVER GAVE THESE AGENCIES ANY CONSENT OR AUTHORIZATION TO REPORT THIS ACCOUNT TO MY CONSUMER REPORT!!!!! 

XXXX, TRANSUNION, XXXX  ARE BREAKING THE LAW UNDER Under 15 U.S Code 1681b- Permissible purposes of consumer reports I never gave them any written consent to report anything on my consumer report, No consent is IDENTITY THEFT.

IM A PROTECTED CONSUMER AND KNOW MY RIGHTS!!!!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
In the fall of 2020 Capital One switched the type of checking account that I have. Since the change over my direct-deposits are not credited in the timeframe that they have been in the past ( theyve excluded Saturday postings and credit funds on Monday ). 

Additionally I have been subject to fees and charges that were nonexistent with the previous checking account. In fact Ive made more customer service phone calls since the switch then I have in the combined years that Ive been a customer. 

Lastly I reported a unauthorized charge and was promised a provisional credit for a case that was ruled in my favor only to have it retracted and an overdraft fee charged. 

Its my belief that they switched my account to make more of a profit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 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: AK

Complaint narrative:
I am AGAIN submitting documents showing that XXXX, on page 19 was listed and discharged in Chapter XXXX bankruptcy. 

I have been told that student loans do not get discharged under bankruptcy, however, that is NOT the case. There are special circumstances, such as mine, were there is a hardship and they DO get discharged.

I have attempted to contact NUMEROUS people about this. I was SEVERLY injured. We lost EVERYTHING in 2018 due to my inability to work. I have had XXXX XXXX XXXX XXXX XXXX XXXX XXXX from my XXXX XXXX XXXX XXXX, have been XXXX for infections for weeks on end, almost XXXX XXXX XXXX, may NEVER walk again, have had two XXXX XXXX. 

Due to the hardship of my case, ALL DEBT was discharged, INCLUDING ALL STUDENT LOANS. I would NEVER be able to repay.

NOW, I have not 1 but 2 companies, reporting and listing late payments on the SAME debt, making it appear as if I have MORE credit than I have, that I have MORE late payments and that I OWE. 

I DO NOT know how to make things any more clearer to ANYONE. I have sent photographs, records, ALL the information and STILL, I get back .... ACCURATE!! 

HOW CAN XXXX, a company who BOUGHT A DEBT FROM XXXX, report the SAME DEBT and yet XXXX is CONTINING TO REPORT THAT I ALSO OWE THEM???? 

SEE ALL ATTACHED DOCUMENTS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble getting information about the card
Company: AMERICAN EXPRESS COMPANY
State: NC

Complaint narrative:
I recieved an email at XXXX today from bluebird Amex that I violated terms and my account was permanently suspended I have money on that card and a {$7000.00} give or take tax refund being sent if it hasnt already reached my account. Ive been hung up on and cant get any answer out of them. Ive gone over the terms and I havent violated them. I havent even used the card. Their wevsite was down and I tried logging in unknowledged that the website was down and then recieved this email. I want my money back theres almost {$8000.00} on that card and soon will be another {$2800.00} in stimulus that Ill never receive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: CA

Complaint narrative:
I was solicited to refinance with PHH mortgage, the company that currently finances my investment property. I began the process in XXXX of XXXX. After 4 months of repeated delays and duplicate requests for information, my application was rejected based on the appraisal they ordered and provided to me. I applied for a no-cash refinance for a lower rate and lower payment in the amount of {$140000.00} and the property appraised for {$920000.00}. They rejected their own appraisal and denied the application based on " Inadequate collateral - unacceptable property ''. I was verbally told my property was not in zoning compliance but Per the appraisal : Per public record, subject shows as a XXXX unit, however, upon inspection, subject is a XXXX unit building with separate meters. It appears to have been converted in a workmanlike manner ZONING COMPLIANCE DEFINITION SUBJECT IS IN COMPLIANCE WITH ZONING AS AN XXXX XXXX Mixed Housing Type Residential - XXXX Zone. The intent of the XXXX XXXX is to create, maintain, and enhance residential areas characterized by a mix of single family homes, duplexes, townhouses, small multi-unit buildings, and neighborhood businesses where appropriate. 

So, per XXXX zoning definition above, even if PHH considers it a duplex it is zoned appropriately. Additionally, the loan to value ratio would be well within acceptable limits even appraised as a duplex. I escalated this to a manager with an email on XX/XX/XXXX. To date, I have not received a written response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation