vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 2019-01-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent letters correct my personal information. I have incorrect names address still reporting. I have sent my ID as proof of my name and address and they still have not corrected the 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 2019-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc.
State: FL

Complaint narrative:
This is an alleged debt that is over seven years old ( 2010 ). This company has failed to provide proof of this alleged debt. I have previously disputed it and it has been removed from two of the three credit bureaus. However, it is still being reported.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
I'm writing mainly to let CFPB know how blatantly and maliciously Wells Fargo lied to CFPB in their response to my complaint # XXXX. 

I had not really paid attention to Wells Fargo 's late response as so many other things involving them were going on but it lied by reporting : 1. That I had no legal appeal rights when it knew that my appeal had been pending over a year and a half when it wrote what it did. Having forced me into probate court, I appealed immediately after it did not honor it's promise that it would proceed with modification and assumption after it received testamentary letters. The Tennessee Court of appeals found that my husband 's will was valid on XX/XX/XXXX. 

2. It knowing lied that there had been a public administrator appointed to the probate matter it forced me into after I withdrew as administrator. It had the direct denial of being the administrator from the lawyer it claimed was the administrator long before it stated that untruth in response to my complaint. 

3. It intentionally mislead by not revealing that it was responsible for me being in the probate court in the first place under the treat of not lifting a pending foreclosure sale and providing another HAMP application. 

4. It also denied the rights under state law regarding the vesting of real property ownership. It too did not say in its response that I was the record owner of the property in both my county and city records by virtue of Tennessee law when it coerced me to probate my husband 's will knowing that I did not have the funds to waste on lawyers and there were no assets other than my home from which to satisfy the statutory fees allowed in the probate process and are unavoidable because an individual can not represent the estate that is created upon filing the will. 

5. Wells Fargo did not disclose that I was 10 months into a TPP plan when it responded which less than a month after its responded to the CFPB claimed that my husband 's mortgage was not assumable providing no explanation why. 

I'm sure I not the only one but I am one who has navigated through Wells Fargo 's antics and deceit and am still in my home and now in federal court. By the way, my husband died XX/XX/XXXX which represents the time I've tried to assume the mortgage on 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 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
Ally bank. I opened a account and deposited a check. They locked my account with asking me. The reps on the phone don't help and they said that's it fine. I lt happened last Wednesday. I called multiple times and nothing happened. I need the money and it's disgusting that they lock my account and nothing happened.

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 2019-01-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Ad Astra Recovery Services Inc
State: TX

Complaint narrative:
I am unaware of this account on my XXXX  and XXXX credit report. I do not know where this account comes from. I contacted the collection agency with no response. I want to see how to fix this problem as it is damaging my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Previous complaint sent regarding issues with equifax and having my credit card closed due to equifax contacting credit company to have my account closed due to an error on equifax end with my social security last 4 digits being incorrect. I submitted all forms requested by equifax and received a credit report in the mail ( finally as i was never able to receive a credit report prior ). However i am still unable to access my report online even with using the confirmation number from their own report mailed to me. I am unsure if the company has my correct full social security at this point and questions asked to identify myself is not correct and do not belong to me. 

I contacted equifax by phone a few days ago and no help was offered. I want to open a credit card but fear it will be closed again due to equifax and destroying my credit once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CMG Financial Services, Inc.
State: NY

Complaint narrative:
My loan is currently serviced by CMG Mortgage. They keep telling me that my loan needs to be seasoned or at least five years old before they can remove PMI. Otherwise, my LTV needs to be 75 %. I tried to do a loan modification on my loan, and they gave me the runaround. They also did an appraisal, and the value of the home came back where I would have 80 % of equity. I would like my PMI to be removed. They are unwilling to help me, and we are paying a lot of money for this insurance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
XXXX card customer identification number XXXX statement closing date XX/XX/2018 shows a duplicate purchase charged to my account in error. Have tried to rectify with merchant with no success whatsoever. The purchase date is XX/XX/2018, the amount is {$15.00}, item was only purchased once!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am writing to appeal a recent credit score deduction. On XXXX-XXXX-2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to 'Capitol One/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do since XX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with Capitol One for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to Capital One asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process. 

Thank you for your assistance in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: MD

Complaint narrative:
Because of my illness and divorce I became delinquent in my mortgage payments. All notification regarding the delinquency was sent to another address and not the property address or my mailing address.  In fact I correspond with Ocwen mortgage for month at I current mailing address and the foreclosure attorney was sending paper work to my old address.  Ocwen eventually sent foreclosure paper work to my current mailing address but it was for some else property! I have that paper work! Prior to the foreclosure sale date I filed bankruptcy and it was dismissed two weeks later because the attorney didn’t file the schedule in a timely matter.  So the mortgage company allowed me to file for another short sale and I did along with the submition of a rectified contract and was advised by Qcwen loan servicing that my short sale was denied because it has to be filed within 37 days prior to the sale date.  I advised them that when you offered it to me it was within that time frame because the complete package was submitted that same day which men’s that Ocwen know that when you offered me that option! Then Ocwen offered me a modification and stated that the time factor didn’t matter.  Several days later I received notification in the mail that it was denied because of the timeliness of my filing! Ocwen is playing games! And needs to be investigated! Months ago I requested a deed in lieu of and was advised that I couldn’t apply for that option without giving Ocwen time to review my file so I held on the phone for the review and was advised to apply for another mortification.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: AZ

Complaint narrative:
Attempted to pay the mortgage payment online. Was informed on phone that payment would have to be made tomorrow. In view of the past reputation of Wells Fargo concerning how they treat their customers, how is this allowed? XXXX had no problem accepting an auto loan payment today, as it appears they have do not have to earn another day 's interest on the payment amount.

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 2019-01-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to appeal a recent credit score deduction. On XX/XX/XXXX2018, I learned that my credit score decreased significantly by about 80 points. So I checked my credit report and discovered that I was overdue on a payment to XXXX XXXX/credit card '' for {$100.00}, which I paid immediately on same day. I had not received any statements by mail as I usually do sinceXX/XX/2018 when I changed my account to a paperless and had not received any email notices either. For your reference, I have not moved nor experienced any issues with our mail delivery. 
I have been a loyal cardholder with XXXX XXXX for many years and have never missed a payment. I hold nine other credit lines as well and all of the payments have been on time. At that time, I had a enough bank account balance to pay the payment. So I didn't have any reason not to pay the payment. In addition, I was paying the other card payments on time. I think you can make sure that the fact is correct from my credit report. 

So I sent a letter to XXXX XXXX asking that the mistake should be corrected, but they responded that they did the right action, and they sent a bill. Of course they did not mention about the e-mail notice or bill was not sent to me. 

I strongly appeal to correct this unreasonable treatment against the faithful customer. Please investigate this matter and correct this mistake as soon as possible. In addition, Kindly let me know how I can recover my prior credit score and if there is any other information I can provide to facilitate this process.

Thank you for your assistance in advance.

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 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
I opened linked savings ( account XXXX ) and checking ( XXXX ) accounts with Citi on XX/XX/2018 in response to an advertised welcome offer online that promised a {$400.00} bonus paid after transferring {$15000.00} in funds to new Citi accounts within 30 days of opening and maintaining that balance for at least 60 days. I transferred these funds on XX/XX/XXXX, and I confirmed with Citi representatives that the welcome offer was attached to my account and that I would meet the terms of the offer if I maintained this balance until at least XX/XX/XXXX, which I did. On XX/XX/XXXX, well after the time period for Citi to post the funds had expired, I contacted Citi to ask why my bonus was not paid as promised. I was told I was eligible for the offer and had met the bank 's terms, and that my claim would be escalated, with a response resolving the issue within 2 business days by email. I did immediately receive an automated email confirming the escalated claim, but I did not receive the promised email resolving my missing {$400.00}.

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 2019-01-01 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: CA

Complaint narrative:
I canceled our service with XXXX XXXX months ago. The 2 years equipment leasing contract had expired back in XXXX of 2016. Earlier last year they were promoting an upgrade to XXXX service. All of the promotional information on tv, on our statements, or provided directly from the customer service representative stated no contracts or extensions of current contracts for the upgrade. When the tech showed up to add the connector to our existing box, he also confirmed no contracts. Going forward there was nothing reflected on our statements, as had been in the past either. Well the service was lacking and their pricing for viewing packages continued to increase. We decided to cancel, and never received our final bill. I had paperless billing which means you can only access your statements online. However, once you cancel, you can no longer access your account! it took months for a representative to finally provide me with the final bill. Much to my dismay, it showed a contract cancellation charge, which never should have been. I have tried for months to get this corrected and get my true final billing. Unfortunately it is nearly impossible to speak with someone that is not in an off-shore call center and they just repeat scripted responses! I was told finally that apparently once XXXX XXXX has your digital signature on file, they apply as they see fit! this is completely unscrupulous! There was never to be a contract for what turned out to be a joke of a XXXX upgrade! I am demanding that they provide me with the correct final bill, so I can pay.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have a Wells Fargo account, I am required to make 10 monthly transactions to avoid a {$14.00} monthly service fee. I made the 10 monthly transactions and Wells Fargo still charged me the {$14.00} monthly transaction fee. Wells Fargo is scamming customers by charging them a {$14.00} monthly service fee by stating the customer made less than 10 monthly transactions even though the customer made 10 or more monthly transactions. This has happened to me several times. It just happened again on XX/XX/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 2019-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: MI

Complaint narrative:
I have a secured credit card through discover, today XX/XX/2019, I was supposed to graduate to a unsecured card, I made 6 months good payments never late, and they canceled my account. I called them up and asked why, they said they didn't know and can't help me, I feel like I'm being discriminated on my credit because I did everything I was supposed to do and the day I graduate to a better card they cancel me and don't tell me why.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
I continue to receive credit card offers from CapitalOne at my home address. This is an issue from several perspectives : 1 ) Mail Theft - Someone can steal the promotion and with enough information obtain a credit card in my name without my knowledge. CapitalOne offers a " personal application code '' to make stealing my identity even easier 2 ) I have called and opted out of CapitalOne solicitations and yet I continue to receive these offers. I have NOT done business with CapitalOne for over 15 years because of their abusive credit business practices 3 ) I have  submitted the form with my name from the XXXX website to be permanently removed from all credit solicitations. All OTHER credit card companies have stopped sending solicitation yet CapitalOne apparently IGNORES this request 4 ) There is no CLEAR way to opt out of CapitalOne solicitation either in the mail solicitation or on-line. If you search online for CapitalOne and opt out you will see this frustration with various suggestion on how to opt out but no CLEAR way to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
On XX/XX/2018, I applied for the Chase Ink Preferred which was placed on pending. I promptly contacted Chase bank to ask about the status of my application around 24 hours later and I was told my social security number did not match my identity which is not true because I've undergone several background checks and identity verification processes in 2018, including one from the U.S. Department of State and TSA PreCheck. 

I was asked to send in a digital/scanned copy of my social security card to XXXX for identify verification to further process this application. 

I immediately complied with all of their requests. I was transferred from one customer service representative to another to only hear the same exact thing : that my identity verification can take weeks to be completed. I am being treated unfairly and was not given a clear path to solving this block in the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-01-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Johnson Mark LLC
State: AZ

Complaint narrative:
My paycheck is being garnished for a debt that is unknown to me in the amount of {$4400.00} ( this included fees ). I requested information from the Plaintiff attorney, however they did not comply. I was told they could not tell me and I had to pay. Basically they were not very helpful. I received the garnishment papers from my employer on XX/XX/2018. I called the Plaintiff attorney on XX/XX/2018. I attempted to request a hearing, however I did not have the funds to pay to request the hearing.

Company response to consumer: Closed with explanation