vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-12 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: NY

Complaint narrative:
On XX/XX/XXXX I received an email offer from Capital One for a 10 % rebate on XXXX purchases. On XX/XX/XXXX I made a purchase at XXXX for {$1500.00}, and the transaction posted on XX/XX/XXXX. I then subsequently paid my bill in full when my XXXX statement came. 

On XX/XX/XXXX I received an email from Capital One stating that the purchase qualifies, and I will receive the 10 % credit within 3 billing cycles ( I can provide a copy of this email ). 

I waited a few months and called on XX/XX/XXXX and was told the credit would post on XX/XX/XXXX or XX/XX/XXXX. The credit did not post so I called again today XX/XX/XXXX. After talking to a supervisor, I was transferred to a special unit that handles promotional offers. The representative then told me the credit would only be given AFTER I have taken the trip using XXXX. The trip is scheduled for XX/XX/XXXX to XXXX. She claimed this was in the small print " terms and conditions. '' However, I explained to her that I have an email from Capital One stating the 10 % statement credit would be given after 3 billing cycles from the purchase date of XX/XX/XXXX. Note on the attached documentation that no mention of having to wait until after the trip is included in the email confirmation. 

This is clearly a bait and switch promotional offer. And had I known I would be waiting for the credit until after the trip I probably would not have made the purchase in XXXX and would have waited until closer to my travel date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CA

Complaint narrative:
{$25.00} was taken from my account on XX/XX/22. When I opened the account, I was told that I would not be charged as long my mortgage account is open with Wells Fargo.

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 2022-01-12 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: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-12 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/2021 I was traveling in XXXX, at the XXXX XXXX, and received texts and calls from Wells Fargo ( XXXX ) from XXXX saying my card had been used at XXXX and XXXX in Florida and that XXXX transfers had been made to XXXX XXXX XXXX. 
No personal information was asked of me. They said the call was being recorded, my card would be reissued, my online banking would be inactivated and that I would need to call to get it re-activated and that a claim would be filed with authorities. 
I was told that the XXXX transfers went through, and I could see I received text messages about that, and they would walk me through requesting the funds back. I was told to add myself as a recipient to the XXXX portion of the Wells Fargo app and request the funds back. 
I did this. Obviously very wrong of me to do it without taking a minute to think or check my account or verify the caller. They didnt ask for anything personal from me so I didnt think anything of it. I had had fraud on my account before and it didnt seem any different, except for the XXXX part but since I was adding myself, I didnt think it was an issue at first. 
Then when I got home and saw that the funds went out of my account, at total of {$4000.00}! I realized I had been duped and actually sent money somehow even though I was the one that was added. I dont understand how the fraudsters work but I realized I had let them in somehow. 
I called Wells Fargo, the number being one digit off from the number that called me, and reported the fraud. They denied my claim since I had been a part to it. 
I am looking for some recourse even though I know I dont have much information to go on. I was sick and deleted some of the texts. The first one was from XXXX and said Wells Fargo Bank : Did You Attempt to Use Your Card for {$860.00} at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Today, Reply YES or NO.

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 2022-01-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time

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 2022-01-12 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: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I was incarcerated from XX/XX/XXXX until XXXX XXXX at XXXX XXXX XXXX during the time someone used my name and social to open accounts and seek care, There is no way I should have any medical exspenses or anything else because I was under the Department Of Corrections during the time

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 2022-01-12 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I've had a credit card with Bank of America for over 3 years. It has been on autopay for its entire existence, I've never had to go online to make a payment other than setting up the autopay amount and/or adjusting the autopay amount. In XXXX and XXXX of 2021, my autopay was stopped for some reason. Since I was not notified, I did not make a payment in time and was therefore reported as late to the credit bureaus. 

On XX/XX/XXXX, I requested Bank of America to remove these lates as it was their fault that the autopay was turned off without notifying me. I was told ( via a representative on the chat help desk ) they would submit a complaint and would be notified in 5-7 business days of the status of the complaint, but was warrant the actual credit report correction may take 60-90 days. But, I never heard anything. 

On XX/XX/XXXX, I called back in to Bank of America to check on the status now that we were well past 7 business days. I spoke with XXXX XXXX who notified me that the prior rep had NEVER submitted any complaints despite my request and despite the fact that he/she told me they had. I asked her if she could check the chat transcripts to see that I had already requested this and was told it was submitted but she said she was unable to access them OR share them with me. I sat on this call for XXXX minutes and was ultimately told by XXXX that she shows no record of my autopay being turned off by Bank of America and claimed that they actually aren't able to do that, therefore she didn't have a " reason '' to submit my complaint. Despite me explaining multiple times that I've never made a manual payment and the autopay was never turned off, she still refused to file a complaint for me. 

I don't want much. I only ask to correct my credit report to show no lates and to refund applicable late fees. That's it. Nothing more. 

I will NEVER bank with Bank of America again. But I just want them to fix their mistake.

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 2022-01-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Medical Data Systems, Inc.
State: AL

Complaint narrative:
I paid a bill for {$27.00} to XXXX XXXX for some medical analysis billed on XX/XX/2020. 
I have the personal check image and endorsed by XXXX XXXX XXXX on XX/XX/2020. 
I have the bank transaction image that includes the amount and the transaction ID associated with the check After providing proof of payment to 2 other debt collection agencies, XXXX XXXX continues to refer the amount to collections. 

Current debt collector, Medical Data Systems , Inc. d/b/a Medical Revenue Service ( MDS ) has been provided the information with no resolution.

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 2022-01-12 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
Checked credit report and found a card was opened fraudulent in my name and charged to. 

Called Genesis FS XXXX XXXX ( XXXX XXXX a XXXX XXXX XXXX ) and notified them. They in turn sent out documents to fill out and I sent back on XX/XX/XXXX. 

They in turn sent back a response on XX/XX/XXXX indicating my personal information was verified. The personal information was incorrect in the documents sent and I called the company several times to resolve with no response back. 

A police report was filed on XX/XX/XXXX with the PA State Police and sent back along with a letter on XX/XX/XXXX asking to re-open the investigation. Letter was faxed to XXXX and XXXX with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!

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 2022-01-12 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: TX

Complaint narrative:
The creditor has ignored my request of this alleged debt and has FAILED to send proper validation. Therefore this is FRAUD. This violates 18 US Code 1028A- AGGRAVATED IDENTITY THIEF. I have placed a security fraud alert on my SSN to avoid instances like these in the future. This account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: CORELOGIC INC
State: IL

Complaint narrative:
can i get a letter from you guys rgat states i gor your ok to have gard inquiry drleted thanks

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 2022-01-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!

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 2022-01-12 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I'm requesting, as my consumer rights, to validate and verify THE INFORMATION on some accounts on my report, and also ask for documentation for charge off accounts and I got no response or saw any update or validation or verifications since XX/XX/2021. Needles to mention that I send letter every 35 days and we are over 6 months without response!?!? 
Attached some of the letters sent to the different bureaus for the past 6 months. no response to any!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
I have VA XXXX for my homestead in XXXX XXXX Florida. MY VA loan is being serviced through LOANCARE. I was declared 100 % P & T on XX/XX/XXXX. I applied for and was granted a 100 % property tax exemption indefinitely beginning for tax year XXXX by the XXXX XXXX, FL XXXX XXXX XXXX XXXX. I sent LOANCARE my P & T letter and a letter from the property appraiser 's showing I am exempt from paying property taxes for XXXX but for {$250.00} per year garbage fee. LOANCARE is refusing to accordingly reduce my escrow for XXXX and is still charging me a higher payment as if I will half to be responsible for my property taxes for XXXX. My property taxes at {$18000.00} a year so LOANCARE is unlawfully charging me an extra {$1500.00} a month! I told them I refuse to pay a higher escrow for property taxes that they know I do not and will not owe for XXXX. They said if I do not pay the extra {$1500.00} a month, they will foreclose on me and take my home. I can not afford to pay {$1500.00} a month for an entire year for no lawful reason. Please help me. This is wrong.

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 2022-01-12 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: FL

Complaint narrative:
My disputes have been sent over a year ago for these collection account that are on my report still and now its XX/XX/2022 with no removals XXXX XXXX {$580.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$1600.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I keep a close eye on my credit report and XXXX scores and continue to see Experian is the only Credit reporting company that give incorrect information. All other scores from my credit card companies show my score well over XXXX, yet Experian continues to show it under XXXX, to be exact XXXX. The reason they give is Serious Delinquency which I am aware of because I co-signed for my daughter on a house mortgage. But my concern is when they say : Few accounts paid on time : When I get a bill I sent it out the very next day on every bill I receive. I take pride in paying my bills on time. Next : No Loan Activity : Why should I have loan activity. When I bought my last vehicle I had 3 years to pay the loan and I paid it in just over 1 year. Next : No credit card activity : I use my credit card at least 10 times a month buying gasoline, XXXX. monthly bills. Experian just wants me to sign up for their membership account, and keeps giving false information until I do so. Experian is a fraudulent company and should be investigated

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 2022-01-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
The credit bureau stated that they properly verified an account but I have proof that they did not verify this account. 

According to fair credit reporting act, 609. disclosures to consumers [ 15 u.s.c. 1681g ], you have 30 days to investigate these accounts and delete them if they are not verified correctly from the creditor. 

The fair credit reporting act 611. procedure in case of disputed accuracy [ 15 u.s.c. 1681i ] states an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and 52 611 - 15 u.s.c. 1681i ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

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 2022-01-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Mr. Cooper Group Inc.
State: NY

Complaint narrative:
I was just told that Mr. Cooper is now servicing my mortgages I was not given any disclosures, This company has a horrible history of taken peoples homes during the foreclosure process. I do not give consent for this company to handle my home account. they have been harassing me sending me correspondences 3-4 times a week since they demanded payment. I have yet to see and paperwork transferring this loan or I have not given my consent. They have not sent me a dividend check in regard to this transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
In XXXX of 2021 I opened visa credit card with Wells Fargo. In promotion they promise me to give me {$200.00} cash reward if I spend {$1000.00} within 3 months. So I did. But not {$200.00} were given to me, nor even cashback that I earned using this card towards other purchases. I contacted Wells Fargo ( XXXX XXXX XXXX ) at XXXX XXXX and person ( supervisor ) XXXX XXXX don't want to talk to me, in very rude manner she trensferd me to executive office, where person named XXXX ( as she spell it to me ) after taking all my personal information simply hung up on 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 explanation
Consumer complaint received 2022-01-12 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: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
I sent a letter to Caliber addressing an ongoing issue with Caliber 's reporting. Caliber 's is reporting inconsistent delinquencies to the three major credit bureaus. One bureau may report the account as 90 days delinquent while the other is reporting 180 days delinquent. I have previously address the issue with the three major issues however Caliber keeps verifying their inconsistent reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-12 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ALLY FINANCIAL INC.
State: TX

Complaint narrative:
Ally Financial Inc failed to disclose my right to rescission. 

I have brought it to their attention and still have not received any documents.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation