vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: TN

Complaint narrative:
I submitted a complaint already and the company responded by telling me Im wrong and that the apartment was left beyond reasonable repair. I have emails from when we moved into the apartment stating the apartment was not clean at all and that the blinds were already broken. Ive already explained the carpet situation, they needed to be replaced because of damage done by the apartment maintenance people, they were already replacing the carpets and painting because they were renovating all apartments. We did not do any damage to that apartment and left it just like we found it. The trash they claim was left there was one bag that the office itself told us was okay to leave up there as the apartment trash bins were overflowing. And as for contacting the apartment, I have made many attempts to reach them and have the manager phone number. She never answers the phone and never calls me back even though Ive left several upon several messages. My roommate and I moved into the apartments at XXXX XXXX  XXXX XXXX in XXXX in XX/XX/2019. The apartment was not clean when we moved in, and we had not been allowed to see our apartment before the move in date. We told the office and they insisted it had been cleaned so we had to clean it ourselves. We had many issues with them over the year we lived there including AC and power going out multiple times. AC was out for two weeks once, we couldnt stay at the apartment because it was over 90 degrees outside. They put fan units in to try to keep it cool and these fans leaked out water all over the carpet causing damage. We decided not to renew our lease and expected our full deposit back because we left it much cleaner than wed found it, no damage other than to the carpet that was caused by their fans. Not only did we not get any deposit back, they charged us {$400.00} claiming they had to replace carpet. They are the ones that caused the damage to the carpet, and also they were remodeling all apartments and taking out the carpet anyway. They charged us for the remodeling they were doing, we did not leave any damage to that apartment. I have called their office and their management multiple times over this last year. Ive left message after message and no one has returned my call. Now I have this charge on my credit that I dont deserve. They still owe us our deposit. They took our deposit and charged us more money on top of it when we left zero damage to the apartment. I cant afford a lawyer and have no idea what to do about this situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/XXXX, I came into the bank with {$3000.00} dollars, at. Wells Fargo Bank located at XXXX XXXX XXXX, XXXX, XXXX. I requested to open. A Bank Representative named, XXXX XXXX assisted me with opening up Saving Bond and or investment account for my XXXX children. The Account was suppose to have been a savings bond for my children savings for when they got older to use the money for their graduation expenses this year XXXX. The teller took the {$500.00} deposit for that account and forward it to some kind of investment broker that handles Saving investment bonds, then list my information to the Savings bond account. She did not remember me giving her the money for that separate account. On that day she gave me a paper of receipt for the Savings Bond, but it was destroyed through the years from a Storage Auction at XXXX XXXX on XXXX XXXX, in XXXX. I thought the Wells Fargo Bank would have a record of it, but the Manager kept saying I have to speak to the bank representative that opened the account for the information on that Savings Bond. My complaint is that my money was not returned or located in that branch. The representative, XXXX XXXX relocated to another branch and my account was never retrieved and the money was never refunded. That year I had a Savings and checking account with Wells Fargo also. That same day I deposited {$1000.00} into my savings and {$1000.00} into my checking account and {$500.00} into the Saving Bond. Investment account, which was stolen or misplaced by the bank representative, XXXX XXXX. How can I get a refund of the monies I deposited for my children 's Saving Bond investment account. I need an investigation of why the money was stolen or what account did the money go into. I want to know why the account information to the Savings Bond withheld from me or stolen and or destroyed. If the money is found or retrieved please forward it to my current mailing address : XXXX XXXX XXXX XXXX, NJ XXXX. My contact number is XXXX XXXX XXXX XXXX. Thank you for reviewing my 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 non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: AMERISAVE MORTGAGE CORPORATION
State: LA

Complaint narrative:
Mortgage application with Amerisave was completed on XX/XX/21 and rate locked in for 47 days. Due to warranty issues we were not able to close within that 47 day window. With rates dropping significantly over that period I assumed the lock had expired and I was eligible for a lower rate. The company said that wasn't the case because they had automatically extended the rate lock to protect me. I was never notified of this extension and did not learn about it until after the fact. I contacted the company and asked them to honor the terms of the application and they refused.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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 disputed in XXXX unauthorized inquiries and multiple accounts that are not mine and several others that I was never late on. Also one account marked chapter XXXX which is wrong. I never received a full letter of explanation on how this was verified. I wrote a letter with the FCRA statue 611 and 615 and they completely disregarded my request. I believe they did not comply legally so I am insisting the credit I am disputing should be deleted.

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 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Please help me, I don't know what to do. I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint with the FTC. I have completed the report and have attached my documents for proof of ID. I can't take this, my family and I are being deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Feldman & Stern, LLC
State: OH

Complaint narrative:
Repeated calls from RESTRICTED phone number. I have not answered these calls. Caller leaves a voicemail purporting to be " XXXX XXXX '' and insisting that I call his [ unnamed ] firm immediately at XXXX. 

I received calls on XX/XX/21 at XXXX and again at XXXX. Immediately following the second call, the restricted number called my husband 's phone number and left a similar message that I needed to contact unnamed firm immediately. 

On XX/XX/21, I received calls at XXXX. Followed immediately by another all to my husband 's phone line as well. Similar message. That I " needed to clear time this morning to call him back ''. 

On the afternoon of XX/XX/21, at XXXX RESTRICTED number called again and left similar message. Then immediately after, the RESTRICTED number called and left a similar voicemail with my brother who lives in another state. 

Researching the phone number XXXX online reveals numerous reports of harrassment connected to that number. Reports reveal that the person behind these calls will often contact other family members and even employers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: EQUIFAX, INC.
State: OH

Complaint narrative:
On XXXX 2021 I sent a letter regarding in accurate and unknown things on my credit report. To this day over 90 days later I have not received a response yet so my concern seems not a priority. I feel as though Im being taken advantage of as well as ignored of my disputes. Section 611 ( a ), it plainly states that the Failure to investigate these items within 30 days gives a reason to immediately remove these from my credit report its been over 60 days so they should be deleted promptly. I demand these accounts to be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have gotten into the wrong hands.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I spoke to XXXX a small business supervisor spoken to around XXXX ; XXXX PST on XX/XX/XXXX. He stated that I wouldn't be receiving the {$750.00} bonus for the new account opening because I had received the bonus previously on the other account that was closed and opened in the year XXXX. He stated the bonus was posted automatically and eventhough given the circumstances was unable to manually adjust the bonus considering the misconception. XXXX also stated that it was a XXXX time bonus for the lifetime of a Bank of America business banking account. I received a new promotional email from Bank of America on XX/XX/XXXX about another {$750.00} bonus for opening a business checking account. In the terms it states that its " intended for new customers only '' Intended is misleading because why not state " New Customers Only '' Please make this right. Thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: U.S. BANCORP
State: IL

Complaint narrative:
US BANK HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. 

PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN US BANK CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS

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 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Dear Sir or Madam : I am the owner of the account # : XXXX. 
The case ID for this claim is # XXXX. 
Date : XX/XX/2020 Amount : {$350.00} Ref # : XXXX Date : XX/XX/2020 Amount : {$50.00} Ref # : XXXX I did not make or authorize these transaction ( s ) that appear on my bank account. I reported the card as stolen they told me they were going to solve it and I immediately turned off the card using the Wells Fargo app on my phone. The problem is that since the claim was denied they have been charging me interest and late fees on something that was stolen from my card. 

Thank you for your prompt attention to this matter. 

Sincerely, 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 monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement only after being advised that I could only be eligible if the account was behind. The account is now current but the late fees are bringing down my score. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: NJ

Complaint narrative:
I can not remove a credit freeze on my EXPERIAN credit report. This problem has been going on for years. I have removed my freeze by phone. 
I have removed my freeze by computer. EXPERIAN states ( on their website ) that my credit freeze has been removed. My EXPERIAN login at their website says there is NO freeze on my credit information. Still, no companies can access my credit. Thus, I can not apply for any type of credit, I can not buy any service that requires a credit check though EXPERIAN. To obtain utility service in Florida I had to give the electric company a {$300.00} deposit. Now, XXXX can not check my credit to install internet. My credit score is over XXXX but I am paralyzed by this company. I can not reach anyone to talk to at EXPERIAN. I just get a go around phone tree. Ridiculous.

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 2021-05-12 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: MS

Complaint narrative:
In XXXX I lost my job, and XXXX repossessed my car. I tried my best to have the car reinstated, but I was unsuccessful. This repossession on my credit report killed my scores tremendously and I was unsuccessful obtaining credit anywhere. In XXXX and XXXX, I started working hard to catch up on debt, and reestablish myself so that I may become credit worthy again. I reached out to XXXX multiple times to try to find out what happened to the car because I did not receive anything from them explaining to me what was going to/what happened to the car They not only denied me access of buying back the car, they also never gave me the chance to reinstate the car. In XXXX of XXXX, I pulled my credit report and saw that the car was still listed as open, and in repossession. And Every month it reported as being late. I disputed the account with XXXX and the credit bureaus and according to them the account is reporting correctly. But how is this so when the account is reporting different data to each furnisher? How is this so when the car was repossessed over three years ago? Was it sold, Shouldnt it be listed as a charge off? And if its a charge off, should it be listing late payments still? And why is the balance still the same, was the car not sold? I called XXXX again this past XXXX of XXXX, and a representative told me that the account has been charged off for years, well if this is so, why is my credit reports stating different? Every month the credit bureaus are allowing this company, XXXX to report inaccurate information. The open date is inaccurate, the close date is inaccurate, the status is inaccurate, the payment history is inaccurate the balance is incorrect, the date of last payment is incorrect and the date of last activity is inaccurate and each of these categories is reporting different data to each data furnisher month after month after month. This company is updating incorrect information every month, and although I have disputed these inaccuracies in writing with XXXX, Experian, and XXXX, they still allow this company to destroy my credit by reporting unverified inaccurate information every month. This account is intentionally destroying my credit file. I am in the process of trying to establish a better life for my children and myself, but I can not because every month, this company ( XXXX ) destroy my credit worthiness by reporting inaccurate unverifiable 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 2021-05-12 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: FL

Complaint narrative:
Please look at my accounts since 2014. XXXX, XXXX, experian.

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 2021-05-12 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I reached out to Captial One concerning the two credit cards. Essentially, I set up a payment arrangement with them back in early 2020 because I experienced financial hardship due to the COVID-19 pandemic. I was able to set up the arrangement and had the dates clearly outlined over a call. For one card, I made the payment as promised and for the other, I was told that the card was placed into collections. I've requested copies of the recording that would validate my story and capital one has chosen to simply ignore the request alongside the collection agency. One account is now current but the late fees are bringing down my credit score. The other account is in collections and no one is willing to assist me. Per SEC 4021 of the CARES Act, these late fees should be updated on my credit report for all 3 agencies. This has yet to happen. Regarding the charged off account, I demand proof that I followed the appropriate parameters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: BAM Management US Holdings Inc.
State: SC

Complaint narrative:
I deposited USD into a Binance.US account & purchased various crypto currencies. Now Binance will not allow me to sell any currencies or transfer any money out of the account in USD or any other currency. It will not give me access to my funds in any way nor respond to any of my inquiries about the problem. It appears they're doing the same to countless other customers. The attached files show the messages I get for every currency in my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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: Bonneville Billing and Collections
State: UT

Complaint narrative:
Bonneville Collections is reporting an account on my credit file that I have paid. I have settled this debt with Bonneville and am asking that they please remove the account from my credit file. As granted by the FDCPA, I have the right to dispute this account. I am aware that as the original furnisher you have the ability to report this account to the credit bureaus as you deem necessary. Furthermore, you have the ability to remove any accounts since you are the furnisher. I have settled the debt and am asking for a deletion letter. Please provide a letter that states this account should be removed from my credit file. If I don't receive a response in 30 days, I will have no alternative but to exercise whatever rights and remedies we have under the law to enforce the removal, including but not limited to institution of legal proceedings against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX  HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. 

PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN XXXX XXXX CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-12 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:
XXXX XXXX  HAS FAILEDC TO REPORTMY ACCOUNT CORECTLY ON MY CREDIT REPORT federal regulations require creditors to charge off installment loans after 120 days of delinquency, while revolving credit accounts must be charged-off after 180 days I WAS NOT GIVEN THE FULL180 DAYS.. 

PER THE CREDUT I WAS CURRENT IN XX/XX/2020 FROM XXXX TO XXXX WHEN XXXX XXXX CHARGES OFF MY ACCOUBT THATS NOT 180 DAYS

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