vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CHARLES SCHWAB CORPORATION, THE
State: NJ

Complaint narrative:
Hello, Late last year, Charles Schwab began running a promotion for a certain number of existing account holders, where they agreed to offer a {$200.00} bonus if you met the terms of a promotion. Specifically you needed to enroll in direct deposit and receive {$2500.00} in direct deposits into the account. Being that I received previously amazing service from Schwab, I thought this would be a great incentive for me to begin my checking relationship with them and make them my primary bank. I chatted in to see if I was eligible, and was told that I would be eligible for the promotion if I met the terms and conditions, and would be sent confirmation of the promotion to my email ( which is attached to this complaint ) I then followed through and set up a direct deposit for {$2500.00}, which went into the account. I then chatted again with Schwab to confirm that the terms had been met, and was told by new representatives, that my account was not " targeted '' for this promotion, even though I was sent confirmation and told that I would be eligible originally. They stated they would reach out to their marketing department to have them reach out to me. About 2 weeks later, someone from the marketing department called during a really inconvenient time, and left a voicemail asking what my " intention '' was for the account. This was really inappropriate given what I had communicated, and led me to feel that I would get nowhere directly through Schwab. Schwab presented me with a legal offer that was fulfilled from my end of {$200.00} for {$2500.00} in direct deposits. After completing the terms of the offer, Schwab then stated that they made a mistake in telling me I was eligible, despite the fact that I had already completed the actions, and refused to honor the offer. Instead of honoring the offer, they then had a salesperson call to find out my " intentions '' of sales, rather than address the issue directly. My original intention was to make Schwab my primary bank and roll over an old XXXX ( XXXX ) because of this promotion, but after the way this has been handled I am deeply upset at how they do business, and would like to have the CFPB enforce the agreement that was presented to me

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 2018-01-19 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: NM

Complaint narrative:
Equifax is not responding to any of my many requests to investigate, verify and remove accounts from my credit report that do not belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Navient Solutions, LLC.
State: MD

Complaint narrative:
Hello! I graduated in XXXX. Months prior to graduating, I requested to consolidate my 8 private student loans. XXXX XXXX, at the time, told me I had to wait til I graduated to our so. Upon graduation in XX/XX/XXXX,  XXXX XXXX told me they NO LONGER consolidated. I participated in forbearance after forbearance because the amount requested that I pay was over 1200 a month and I worked as a XXXX XXXX XXXX. In XXXX, I lost my job and was given NO relief. I would send {$50.00} a month just to pay something and my credit suffered tremendously. My struggle/fight with XXXX XXXX began in XXXX and still goes on today. My credit remained effected from XXXX til literally last year, even though I was making my monthly payments. A few years ago, I actually hired a company to help me fix my credit and deal specifically with XXXX XXXX/navient.For the past 6 years I have worked for a XXXX XXXX and have had to report my credit problem specifically with XXXX XXXX because you must keep your credit score at a decent level to maintain your job. Even in getting this job 6 years ago, I had to write a letter to the agency that I 'm currently employed, explaining why my credit was so terrible. And it was all having to do with XXXX XXXX/navient. They were able to investigate what I stated in my letter and found truth in it and waived the credit requirements and offered me the job. I am writing to ensure that I am included in the lawsuit being filed. I 'm not sure what documents that I have but I know I have dealt with you all in the past. My last name may have been different at that time. And I 've also had dealings with the " financial advising '' third party company that supposedly woed with XXXX XXXX and would help me and woukd recommend payment plans, etc. I spoke with them, told them my situation and they stated that there was NO WAY YOU WOULD BE ABLE TO PAY WHAT THEY ARE ASKING WITH THE BILLS YOU HAVE. well, I spoke to XXXX days later and that company allegedly reported the exact opposite and that was well able to pay what XXXX XXXX/navient was asking. Please let me know what documentation is needed. I 've been dealing with this for so long I 'm not sure all that I have. But I truly want to be part of the lawsuit. I 've even through the ringer with XXXX XXXX for too long and have been through too much with them in XXXX and even up to now.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Worldwide Processing Group, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX called a family member attempting to contact me regarding a a supposed debt which has been settled well over 10 years ago. This company scared my mother in law who happens to live close to me who frantically brought me the contact information. She is old and had no idea what was going on. 
I have not received a notice whatsoever regarding this company nor any correspondence whatsoever only this phone call. I told them not to call my family again. They claim to represent XXXX. 
I also filed a lawsuit against this company they claim to represent for making several violations according to the CFPB. XXXX XXXX XXXX has a BBB rating of F and has so many complaints against them currently its scary. 
I have zero information other than a phone number of XXXX and a person named XXXX. 
Long gone are the days of scare tactics, threats, and insinuations to others to scare information from someone to collect a debt. This company is in violation of every debt collection practice law its unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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 — Problem with personal statement of dispute
Company: National Credit Systems,Inc.
State: FL

Complaint narrative:
A debt in the amount of {$3000.00} from National Credit Systems is being reported on my credit report. The debt in question is from an apartment that I leased. I contacted the company [ National Credit Systems ] by mail to ask for validation for this debt and the accuracy of the amount. I received a response back on XX/XX/XXXX. The company replied by sending the transaction history and the initial lease. ( see attached ). The initial lease was dated XX/XX/XXXX to XX/XX/XXXX ( Dates are wrong on the lease also ) I am being billed a termination fee of {$1100.00}. My move out date was XX/XX/XXXX. Before I moved I notified the then Manager of the property ( XXXX XXXX ) of my intention to vacate the property well within the 30 day in advance time frame so as to avoid the termination fee as per their agreement I was on a month to month basis since no lease renewal had been signed after the original lease. I have also spoke with the apartment complex to verify this amount as inaccurate but they have since changed management.I have made several attempts with the new leasing office to obtain verification of the amount and have been unsuccessful as all I am told is they are under new management I have also disputed this with the Credit Bureaus and National Credit System confirmed the debt as accurate.National Credit Systems did not contact me regarding this debt before placing it on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: Diversified Consultants, Inc.
State: NC

Complaint narrative:
Disputes with credit bureaus XX/XX/2017 Received REFUND check for overpayment from XXXX BUT account was sold to Diversified Consultants {$650.00} listed on credit bureaus Diversified offer the settle and delete when debt was NEVER ACTUALLY OWED! Refund check was proof. 
Settled but debt still remains on credit report and is inaccurate and should be deleted. Pursuant to the fair credit act 609, no signed contract was ever provided

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
After hurricane Irma I approached WellsFargo to take advantage of the disaster relief assistance since my home was in the affected area, they were very helpful so the agent on the special disaster relief hot-line said on XX/XX/XXXX that I could indeed take advantage to deferred up to 3 mortgage payments ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) and place those 3 payments at the end of my mortgage term ( 30 years ) so I agreed, they promised they wo n't charge late fees, nor report to credit reporting agencies. 
However, starting on XX/XX/XXXX, I started receiving letters from WellsFargo with statements showing the owe amount ( {$2200.00} x 3 months = {$6600.00} ) and that I had to pay before XX/XX/XXXX to avoid late fees, and that my account was sent to Collections, well I called right away and I told them what I was told, well they said, I am sorry if our agent made a mistake but we just forgive the payment for 90 days after that I need to pay the entire amount {$6600.00} so they started asking documents to be send to underwriting to either approved a loan modification or a payment plan, well I sent docs after documents but there was always something missing, actually they place a late fee on XXXX, so I had to call to have it removed, any way, my complaint is that instead of relieving my situation due to loss of income, they aggravated my issue since I had to produce {$6600.00} to make my mortgage current withing 30 days, I was begging on the phone not to impact my credit history, they simply did't care, I was treated like a delinquent customer, the disrespected me, Finally, to my surprise, I received a call on XX/XX/XXXX from XXXX ( wellsFargo agent ) to tell me that they went over the tapes, and indeed they found that the agent told me they will deferred my payments and place at the end of the 30 years term, but unfortunately that agent had made a mistake and they could not do anything!!!!! 

That 's misleading customer, the simply lie to me, and I have to figure out myself, well I had to take money out my 401K to pay the entire amount and be in good status in fear they will report it to the credit bureau. 

I really hope this type of behavior does n't pass in-adverted, they are playing with hard working people, and I would seek some kind of indemnification. 
XXXX XXXX WellsFargo Mortgage XXXX XXXX XXXX XXXX XXXX FL 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 2018-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.

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 2018-01-19 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: FL

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: FL

Complaint narrative:
Ive just reviewed my credit report and noticed there are several inaccurate late items on my report, the following accounts were disputed but the credit bureaus said that they were accurate.. Even after i showed them proofs they never corrected the issues. 

XXXX XXXX Acct : XXXX : This account is listed as being 30 days late on XXXX. I never made a late payment on this account. 

XXXX XXXX Acct : XXXX : This account is listed as being 60 days late on XXXX. I never made a late payment on this account.

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 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
While looking at a bill statement from XXXX XXXX, I noticed a " debt protection '' fee added on. Such a feature was never discussed, advertised or offered to me when I applied for the card years ago. The online customer rep could n't cancel the " debt protection '' fee and referred me to a phone number to call. I called and managed to have the " debt protection '' " service '' cancelled but could n't get a refund for years of unnecessary billing for a service I was never offered or signed on to.

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 2018-01-19 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: MO

Complaint narrative:
A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor XXXX XXXX XXXX XXXX'. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

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 2018-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: DISCOVER BANK
State: FL

Complaint narrative:
Discover Bank Credit Card Account was removed from my XXXX  report. However, it 's still showing up on XXXX and XXXX. This is not my account, and it seems like XXXX has proven this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: MO

Complaint narrative:
A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
A collection is showing on my credit report from XXXX XXXX XXXX for the amount of {$1200.00}. I never had a contract or transaction with this company or consent to any account with them or the alleged creditor " XXXX XXXX ''. I have requested any contracts showing my legal signature as proof of any valid relationship and have not received anything.

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 2018-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Real Time Group, Inc.
State: OK

Complaint narrative:
I just feel so disappointed big banks like XXXX are ripping poor people like me. I tried so hard back in 2016 to get hold of someone in XXXX to resolve this matter. What 's sad is this real time resolution reported delinquent note is post closing of property with XXXX balance? I do n't even think that 's in compliance. I had XXXX mail me this note after closing to sign and they even told me they forgot to get my signature at closing. And with advice of my coworkers at XXXX XXXX that any balance should have been disclosed at closing, I just discarded the 3 notes they repeatedly sent me to my apartment. Then after a few months I started getting calls from real time resolutions for {$2000.00} note. I received written notice after they reported it on my credit. When I asked them for proof of signed docs they sent a doc with my signature! But I did n't sign that for sure. When I finally got hold of someone in XXXX short sale dept they said they had mailed the {$2000.00} cashiers check paid by me at closing back to XXXX XXXX XXXX. When I asked them why would they do that, they said a lady called in as me ( identity theft ) on the phone to send the check back and since XXXX did n't know where to apply the {$2000.00} cashiers check that was pd at closing, they mailed it back! HOW DOES A BANK NOT KNOW WHERE TO APPLY A CASHIERS CHECK THAT WAS COLLECTED AT CLOSING > THAT CHECK SHOULD NEVER HAVE BEEN SENT BACK. I remember signing a {$2000.00} check for my ex-husband from XXXX and at that time, I thought it was some escrow acct balance refund because I never expected this stupidity on the bank side.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
A Walmart credit card was opened without my permission I contacted them they said 60 days to resolve this to remove from my credit report. Still nothing

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 2018-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I filed a fraud report with wellsfargo XX/XX/18. I have made a police report and had around 7,000+ deducted from my account without authorization. I notified wellsfargo and made a claim. I did not hear back from Wellsfargo until the 9th day and on the 9th day, my claim was denied. I was contacted by one branch of the fraud department stating part of my claim was being refunded in the amount of less than {$200.00}. Once he mentioned the wrong dollar amount he placed me on hold and stated he would reach out the main claim personal to have a follow-up call and work to get my funds return as soon as possible. No, follow up. I have spent half my day trying to receive support to learn three cards were sent out and only one was in my possession. I simply want what is rightful mine. The amount is substantial and by law, I feel, I should not be legally responsible for charges not authorized and reported.

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 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
Capital One has denied me credit by not even following their own guidelines for a credit increase. See attached paperwork for information

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: Ocwen Financial Corporation
State: GA

Complaint narrative:
On XX/XX/XXXX, approximately 1 year before the maturity of my home equity loan, I received a notice that XXXX XXXX XXXX had " miscalculated '' my interest that I was paying on my loan for the past 15 years. They said they wanted me to pay a lump sum of {$4200.00} by XX/XX/XXXX, rather than the regular payment of {$430.00}. When speaking with them on the phone ( XX/XX/XXXX ), they admitted it was their mistake and not mine, but they still expected me to pay. This was originally a XXXX loan that was bought out by Ocwen some years ago. There is no way this can be legal! How can I be held liable for THEIR mistake??!

Company response to consumer: Closed with explanation