vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: KEYCORP
State: CO

Complaint narrative:
Key Bank opened duplicate checking and savings accounts in my name in XXXX of 2022 as well as incentivized me to open the accounts with a promise of {$300.00} if I set up direct deposit. To date the {$300.00} incentive has not been received and only the duplicate checking account was deleted. I still have XXXX active savings accounts despite bringing this to the attention of XXXX customer service associates and the bank branch manager. I have been requesting and following up on the status of my {$300.00} marketing incentive that was due to me no later than XXXX. It is now XXXX and the bank branch was initially unresponsive until I contacted their corporate headquarters. I now have a Supervisor with corporate following up as of last week however, as of this week my {$300.00} incentive has still not been deposited to my account. In addition to these errors, my accounts were opened with a misspelling of my name and wrong birthdate used resulting in a fraud alert freezing my account. These errors were resolved after XXXX in-person trips to the bank branch, multiple emails and phone calls. Lastly, I wrote a check in XXXX that was made out for {$950.00}. Rather than release {$950.00} from my account, my check was only cashed for {$150.00}. Well over a month passed before this error was identified and my account was randomly overdrawn for the difference of {$800.00} with no communication with me as to why this error was made and how they intended to correct it which I believe violates some sort of regulation with timely corrections to erroneous withdrawals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
It all started in XX/XX/XXXX when I received a notification to my email from Bank of America about an unusual movement in my business account, I immediately responded by email notifying that I did not recognize these bank movements in my business account, I called the bank and They made the decision to close the business and personal account, from that moment on for my family and my personal life it has been very difficult, they bankrupted the company and emotionally and financially destabilized my life and that of my family, it made us XXXX Our lives around the world were surrounded by the decision of the bank. I called several times and they did not give me any solution to my case. From then on it became difficult for me to fulfill my credit card commitments, all because of the closing of bank accounts. 
I am currently out of the country, possibly at the end of XXXX, as soon as my XXXX XXXX is renewed, I will return to the 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 2023-03-03 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: EQUIFAX, INC.
State: OH

Complaint narrative:
Credit Bureau used Oscar system instead of getting accurate information from XXXX XXXX  Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX XXXX  and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: OH

Complaint narrative:
Credit Bureau used Oscar system instead of getting accurate information from XXXX XXXX  Credit Bureau continue to report inaccurate information. Causing my credit score to decrease preventing me from obtain residence. I spoke with XXXX XXXX  and they informed me that last balance statement was XXXX balance. Reported wrong inaccurate balance. The last statement for XXXX shows a XXXX balance with a credit of {$540.00} which means I over paid above the credit limit. Which still means balance is XXXX. Credit limit is XXXX but available credit limit is {$1400.00} related to the over payment and XXXX credit. Please READ accurately that the balance statement is a XXXX CREDIT not and Owed balance.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: DISCOVER BANK
State: CA

Complaint narrative:
Hey guys so back in XX/XX/2020 I opened a discover account but since I live in a mobile home with a assigned number they never sent me a card notice that my account was approved & opened & my card never came in the mail the first 8 months after opening the account. I did receive however a cash advance of {$120.00} and since I was unemployed at the time I didnt know where it came from so I cashed it out to help out with my bills. 7-8 months later I got a call from a random number and I answered and it turned out to be someone from discovery letting me know that my credit card account is on hold and they might delete it due to not paying the amount of {$120.00}. So I had asked him why I have not received a card if I had an open account and he check into it and found out that my address put did not have my space number so I never received it. They told me that theirs nothing they can basically do since its already on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: NJ

Complaint narrative:
In regards to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX on my credit, I have reached out to the establishment and reporting credit bureau frequently to have this file investigated and handle accordingly on the following dates : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Disputing and submitting supporting documents that the property for this account was surrendered in XXXX  XXXX bankruptcy filed XXXX XXXX.To later be informed XXXX after per XXXX XXXX XXXX XXXX that they did not have a deed in lieu on file is ridiculous being that the property was surrendered through bankruptcy which was on file.This file has yet to be updated accordingly.

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 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: TMX Finance LLC
State: GA

Complaint narrative:
I would like to follow a claim against TitleMax because the interest rates are extremely high I've been paying for 10 months and the price is not going down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I was going through severe financial difficulty due to a divorce and job loss. I went to my local Wells Fargo Branch to get a debt consolidation loan. The clerk that helped me told me to get a credit card instead. I told them I would not qualify for a credit card due to my income and debt situation. I really wanted a debt consolidation loan. Instead, the person helping me filled out the credit card application with a fraudulent income. An amount far higher than my actual income. They told me to pay my bills with the credit card and then we could get a debt consolidation in the future. I used the card and went back a few months later and they declined me for a debt consolidation loan. Later, I couldn't pay for my credit card ( that I shouldn't have been given ) and defaulted. Wells Fargo got a judgment for the balance. Later, when Wells Fargo was national news for opening fake accounts, Wells Fargo contacting me AND PAID ME {$4000.00}!!!! I thanked them and did not join the class action lawsuit! They said the were just trying to make things right. Now, 4 years later, they are trying to Garnish {$54000.00} from my account. XXXX XXXX, the wells Fargo attorneys say I owe {$27000.00}. 

In summary, Wells Fargo opened a fraudulent account, paid me {$4000.00} to apologize so I wouldn't join the class action lawsuit. Now, years after the dust has settled, they have frozen my bank account stealing {$20000.00} already and trying to get {$54000.00} when their own attorneys say I owe {$27000.00}.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase offers XXXX XXXX XXXX XXXX. I availed the card XXXX and booked ticket for my wife on XXXX XX/XX/XXXX with XXXX via XXXX using the chase card for to and fro ticket for travel to XXXX between XXXX XX/XX/XXXX and XX/XX/XXXX. We paid {$1000.00}. 

My father in law had final stage XXXX so my wife wanted to see him. In XXXX I got a call from XXXX that his condition was worsened and therefore I had to send my wife to XXXX on a different ticket because changing XXXX ticket on new days was costing us additional {$3000.00} as difference amount while a separate itinerary costed us {$2300.00}. My wife traveled between XXXX XX/XX/XXXX to XXXX XX/XX/XXXX to XXXX on different ticket. 

XXXX / XXXX refused to refund or extend ticket to different date. So for trip protection as per card policy, I filed online claim with Chase online portal eclaimonline on XXXX XXXX with claim ref XXXX. I submitted every single document they needed right on XXXX XXXX. 

Every time I login, I would see a message that claim would be assigned an investigator and adjudicated in 5 days but those 5 days are now till XXXX XXXX. While I am told that the claim in on the way to be paid, I am told that there are staffing issues with Chase to process claims. 

If someone is contracted to provide service, staffing issues should not be something customers have to suffer for.

I wrote to chase CEO office on this on how they are going to fix this but so far I have not got any suitable response on this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America, I am an authorized user on a credit card - you had it reporting to the 3 major credit bureaus - and now it is not. 

Please have the credit card accurately report to the bureaus. 

Attached to this complaint are : - My drivers license - My social security card - My address - My credit card front and back

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 2023-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Express Recovery Services, Inc.
State: UT

Complaint narrative:
Express Recovery is reporting a debt on my file that isn't owed. My husband had a utility bill that went past due and my name was on it too. However, he paid it to Express Recovery and it's fixed on his file but they continue to report the debt on my file when this has been paid. This is inaccurate and must be removed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NH

Complaint narrative:
I sign up for a 4 year interest free account with Synchrony Bank through XXXX XXXX, then on the first month they take the full amount out of the loan my bank, almost {$8000.00} I wasn't expecting. The payment should have been around {$160.00}. I call them on XX/XX/XXXX and they apologize after trying to blame me for their mistake. They tell me they will reverse the payment and I should see it in the next two weeks. Two weeks go by and nothing so I call them again, now they tell me it takes 15 business days. I call at the one month mark and they apologize and tell me that the refund was never processed and that they are going to cut me a check and mail it, could take 2-3 week. What garbage. Deceptive at worst, incompetent at best, either way I would never do business with this organization again.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I previously tried to resolve this issue, be requesting information to validate this claim. The information i received in response to this was that they claims were " valid '' and no further action would be taken. In light of said response based on my first initial letters, these must be removed or i will proceed to take legal action. I am not responsible for these debts and would not like my credit profile to reflect that.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I previously tried to resolve this issue, be requesting information to validate this claim. The information i received in response to this was that they claims were " valid '' and no further action would be taken. In light of said response based on my first initial letters, these must be removed or i will proceed to take legal action. I am not responsible for these debts and would not like my credit profile to reflect that.

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 2023-03-03 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: TN

Complaint narrative:
Over 60 days ago, I sent letters to the XXXX major credit bureaus and till this day I haven't been notified about this investigation. I would like this issue treated immediately. This is affecting my financial situation while I am currently enrolled in school. Please resolve this issue, I do not want to have to pay more money than I need to as a student. I need every penny. I will file for litigation if I have 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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
These items are not mine. Please assist in removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
These items are not mine. Please assist in removing them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I spoke to the Citibank branch manager XXXX XXXX XXXX XXXX several times to address the issue of receiving 3 letters from Citibank Client Services. The letters indicated they were closing my checking accounts, money market accounts, 2 CD 's and my safe deposit box by XX/XX/XXXX. The branch manager said 'I am not supposed to say this '', however you removed sums of cash ( XXXX to XXXX ) that looked suspicious. I explained that my son is getting married, I donated money to a Ukrainian friend who made several trips to the XXXX and US dollars are always helpful. I also sold my vacation house in Florida last year and needed a lot of last minute fixes for the deal to go through. I have been a Citibank customer since XXXX ( 38 years ) and have never had any issues with my accounts. My wife is handicapped and opening a new account and resetting all our automatic payments to utilities, credit cards, phone bills etc. will be a hardship. My wife and I ( join accounts ) have no criminal record and several of those cash withdrawals were in XXXX. We are also Citibank Gold Priority members.

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 2023-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2023-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am an authorized user on the attached XXXX XXXX XXXXXXXX credit card - I want this to accurately report to my credit report. 

Attached to this complaint are : - My drivers License - My social security card - My address - My XXXXXXXX XXXX  XXXX credit card that needs to report accurately

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 2023-03-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
Sometime in XXXX, my loan got sold to Mr. Cooper from XXXX. 

XXXX I missed XXXX payment with my mortgage company. I was out of the country and forgot to pay my mortgage. I am still waiting for a phone call informing me of my mistake. Although they constantly harass me to refinance my house, and I have declined multiple times. 

XXXX Make the total payment of the account and put it in good standing since I had the money to do that. 

XXXX Mr. Cooper increased my payment from {$2500.00} to {$2700.00}. I called, and the second representative told me to submit my documents from my house insurance showing that I made the payments and have been with my insurer since I bought my house in XXXX. ( XXXX XXXX through XXXX ) and I have always made every payment. I have all the electronic receipts. I submitted all the documents, which were sent under review, and have yet to receive an email or follow-up information about my submission, so I assumed everything was fine. 

XXXX I called because I was trying to make my payment, but I noticed that the amount was the same, so I called to see what was happening. Another customer services representative said that my account was not allowed to have escrow because I missed XXXX payment. However, my insurance payment is paid all to XXXX. I asked to talk to a supervisor. After XXXX minutes of waiting, they hang up the phone. I called several times after, and I tried to reach someone. The call is mute, but the phone call is active. I have screenshots and a video of the phone call to Mr. Cooper. It appears to me that they have flagged me since I requested to speak with a supervisor. 

They have also assumed that my property taxes will increase by {$1000.00} when the average increase for my property taxes in the last XXXX years has been {$220.00} per year.

Company response to consumer: Closed with explanation