vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I have a dispute with XXXX, the car rental, and i brought it to my bank 's, wells fargo, attention, the money was returned and from the conversation we had it was my understanding that the dispute had been resloved. A few days go by and now my bank is over-charging the disupted amount to turn my account and charge me excessive fees. They have charged my account over by 300 $ and keep on doing it regardless of my repeated attempts to tell them otherwise

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 2019-05-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
Target keeps calling me all day long on my home phone and cell phone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Wrong records on my credit report. 
Things keep appearing and Im not aware of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I didn't receive the advised XXXX UR bonus for opening sapphire checking account after meeting all the requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BB&T CORPORATION
State: TX

Complaint narrative:
I opened a new checking account on BBT bank website as advertised in XX/XX/2019. I met all requirements on the offer at the time when I opened the new checking account but have not received the bonus offer as advertised to date. I called on XX/XX/2019 and customer service told me there was no promotion code on my new checking account, which was not in the offer when I opened the account. So I can not receive the bonus offer.

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 2019-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NY XXXX ( XXXX XXXX XXXX XXXX XXXX, Asset-Backed Pass-Through Certificates, XXXX XXXX ) We are reaching out to you for clarification on the subject property into if ( " XXXX '' ) is the Trust and if it " owns '' or " Previously '' owned the mortgage and note on the property. If So from when to present-day or Until When. 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 2019-05-11 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WAKEFIELD & ASSOCIATES, INC.
State: TN

Complaint narrative:
This is a VA medical bill owed. I contacted XXXX XXXX and gave them all the info to contact VA. I sent Bill 's to VA. Please erase mark off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: UT

Complaint narrative:
I filed a dispute with Experian because they have two companies on my credit report with whom I never signed a contract. These are : XXXX   XXXX  ( aka XXXX XXXX XXXX ) and XXXX XXXX XXXX. It has been over sixty days and they still have not removed these collections from my credit report. I have never had business with either one of them.

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 2019-05-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
This is a continuation of a previous CFPB Filing Case # XXXX In XX/XX/XXXX I reached out to Wells Fargo to have the PMI removed from my mortgage. 

I had Wells Fargo do a BPO ( Broker Price Opinion ) on my  property. 

The Value of the BPO that was given was {$380000.00}.

The BPO was done incorrectly - Please see previous CFPB Case for details. 
I included proof that it was done wrong and that the value of my property was not accurately assessed, both to Wells Fargo and in the previous CFPB case listed above. 

Wells Fargo refused to make any adjustments or corrections to the BPO or even have it re-done unless I paid for it to be re-done. 

This dispute went on from XX/XX/XXXX to XX/XX/XXXX where Wells Fargo basically said they would stand by the BPO findings.

I decided at that time to have an Appraisal done on the Property. 

The Appraisal Dated XX/XX/XXXX stated that the property had a value of {$410000.00} ( on the low side ).

Wells Fargo did remove the PMI due to this Appraisal.

This valuation was much more in line with the true value of my home and proved that the BPO was done incorrectly.

My request is that the PMI from the time that the BPO was done to the time the PMI was removed be refunded to me as the BPO done  by Wells Fargo was nearly {$30000.00} off in the valuation of 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 monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
My husband and I decided to purchase a home this year and XXXX XXXX was the first lender who brought this to our attention. XXXX XXXX hasnt been the second. XXXX tried pulling our credit from equifax on XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX XXXX and XXXX. XXXX pulled their reports XX/XX/XXXX XXXX XXXX and XXXX XXXX none of which EQUIFAX has reported a score or report. Instead EQUIFAX has sent a message to both credit requestors ( please see picture of email in attachments ). Nonetheless, when my husband and I call Equifax and request to speak to someone in the United States and to a supervisor theyve assured countless times that there is NO freeze in his account, theres NO fraud alert in his account, theres NO alerts of any kind in his file thats prohibiting the mortgage lenders from requesting his report or score. So, the last time we spoke to EQUIFAX was last Tuesday, XX/XX/XXXX. They said they would mail us a copy of my husbands credit report and weve yet to receive it by mail. Again, its been a week and 4 days thats the longest Ive ever had to wait to get a credit report. Our mortgage lenders both that weve tried to do business with have said theyve never in all their years of doing business have never ever seen this situation ever and have advised us. So we are starting with this first step in hopes you can help us as weve wasted days, weeks, months while Equifax holds one of the highest credit scores my husband has hostage.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Opened account XX/XX/XXXX with promotion for {$100.00} bonus given to account holder with two direct deposits of at least {$250.00}. Promotion fine print will be attached as PDF document. 


The terms of this deal, quoted from the contract, read, " you are not eligible for this offer if you were a signer on or owner of a Bank of America personal checking account within the last six ( 6 ) months ''. 

I was the owner of a Bank of America personal checking account closed 7 months prior to the opening of this account. I satisfied all terms and conditions of the deal. 
XX/XX/XXXX and XX/XX/XXXX direct deposits satisfied the requirements of this deal. 
Bank of America owes me {$100.00} at this time. I have notified Bank of America of this and they refuse to pay, stating they have paid me a bank account bonus in the past. That is not relevant, as that is not part of the terms of this contract. Bank of America would be in breech of their contract should they continue to refuse to pay the debt owed for reasons they are making up after creation of the contract.

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 2019-05-11 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: SC

Complaint narrative:
Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) Onemain have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account Receivable Solution : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: SC

Complaint narrative:
Im a victim of fraud. I have contacted Equifax numerous times, and I have disputed this fraud items with this company. In additionally, I have send a copy of my police report to Equifax, XXXX, and XXXX. In XXXX of this year, both companies XXXX and XXXX  have proofed these was fraud and removed the fraudulent items. I called Equifax fraud Dept on XXXX to see why they still had the fraudulent items reporting on my credit report after XXXX proofed it was fraud and notify XXXX and both companies block removed and deleted the items. The two companies that are fraudulent are : The fraudulent items are : XXXX XXXX  : Reported Balance $ XXXX Fraudulent item XXXX : Reported Balance {$410.00} Fraudulent item Never heard of this company and have disputed this item before and required proof of document with sign. XXXX XXXX ( CLOSED ) : Reported {$560.00} -Fraudulent item- Account has been proven fraud and removed according your company response to last complain # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : XXXX XXXX ( CLOSED ) SAME ACCOUNT ABOUT WITH DIFFERENT REPORTING BALANCE : REPORTED BALANCE : {$920.00} ; FRAUDULENT ITEM. This account has been proven fraud by your company in before complaint ; however, it is listed on my credit report. Previous report number is : Your response : XXXX has been proven fraud by your company however, it is still listed on my credit report. Reporting Balance : {$7000.00} :, XXXX XXXX XXXX, XXXX, IN XXXX Phone : ( XXXX ) XXXX. ). The complaint report number ( # XXXX to Consumer finance.gov. Your response ( This item has been deleted from the credit file. If you have additional questions about this item please contact : ) XXXX have been deleted. XXXX : Reported Balance {$1100.00} Fraudulent item Never open this account. The collection account XXXX XXXX : Reporting Balance $ XXXX This item doesnt belong to me. The original company reporting it is XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
Hello, On XX/XX/2019 I applied for a united mileage card that had a promotional to receive XXXX bonus miles after purchases of XXXX and XXXX credit off first airline purchase. I had enrolled in the United airline mileage program, off the airlines website and the promotional populated with the promotional that I previously mentioned, then I applied. The website approved me for the United explorer mileage plus card. So, I purchased my airline ticket believing I will get the XXXX credit off my first statement purchase. Calling Chase, they told me I did not qualified due to the promotional was not for this card. So, there website approved me for something other than I was applying for. I feel like this is a bate and switch. The supervisor refuse to honor the promotional and I closed all my accounts with them. I have up loaded a picture of the promotional XX/XX/19. Please look into this. Thank you for your time and help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TMX Finance LLC
State: FL

Complaint narrative:
Instaloans also XXXX XXXX XXXX never stayed in Georgia I was in XXXX and for many years I have been a victim of identity theft please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Unverified Account Account Name : XXXX XXXX XXXX   Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to you by the above original creditor/collection agency. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2019-05-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I m trying to access my online account I called multiple times and reps keeps giving wrong information. I keep being on hold long periods of time not getting help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Dyck-O'Neal, Inc.
State: SC

Complaint narrative:
Collection agent was for a cease-and-desist notification prior to submitting this debt to the consumer credit file as prohibited under the authority of public law 104 - 208 which communicated in that same notice that his collection attempts where are unwelcome and that he shall refrain from reporting records debt to the credit bureau because he dont deal with 3rd party collection agencies and i am demanding that the account subject to this complaint to be removed due to failure of complying with reppert statute of the Tair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-11 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: Business & Professional Collection Service Inc
State: NV

Complaint narrative:
Unverified Account Account Name : XXXX XXXX XXXX Type : COLLECTION Date Opened : XX/XX/2015 Balance : {$1000.00} Please be advised I have requested validation { not verification } of an item reported to by XXXX XXXX XXXX. I have received a response that clearly violates my rights according to HIPAA. 

HIPPA is the Health Insurance Portability and Accountability Act. This privacy rule mandates that personal medical information may not be shared unless there is permissible reason for doing so. HIPPA laws do not allow health care providers to share medical files without consent under a HIPPA release. HIPPA release only allows the sharing of medical files with other medical professionals, not 3rd party collectors. HIPPA extends to credit reporting agencies and collection agencies as well. 

XXXX XXXX XXXX did NOT provide me a HIPAA release that releases my medical information to them, therefore by providing such information they are in VIOLATION of my HIPAA rights. I am proceeding with legal action as prescribed by law against the above named original creditor/collection agency should this item not be deleted within the required time allowed by law. I will seek every legal remedy available to me and file suit against the credit bureau responsible for reporting this violation. 

I urge you to take this extremely seriously as I have documented my case without error. I encourage a response from you expeditiously.

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 2019-05-11 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: IL

Complaint narrative:
I sent letters requesting method of verification for erroneous items on my credit report. I ask for specific responses as well as details of proof an investigation was conducted. I was completely ignored by the company, and my request was not fulfilled. Furthermore the erroneous items on my credit report remain.

Company response to consumer: Closed with explanation