vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
On XX/XX/, I opened a premier checking and Way2Save savings accounts at Wells Fargo Bank at a branch with a banker. I opened both accounts with promotional offers. I complied with the terms of both offers, but only received the bonus associated with the checking account. I contacted customer service at Wells Fargo to determine why my savings account bonus did not post ; they informed me that the banker did not enter the saving account bonus offer code at the time the account was opened. When the banker opened my account, he indicated that he was only able to enter one promotional offer on his system at the time of application but that he would have his back office manually apply the second offer to my account. 

The offer that has not been fulfilled is for a {$520.00} bonus payment 30 days after all offer conditions have been met. The offer was conditioned on a deposit of {$25000.00} or more into the savings account by day 30 after enrolling in the offer ( which I did on XX/XX/XXXX  ) and maintained at least {$25000.00} in the account for 90 days thereafter. I deposited {$25000.00} into the savings account on XX/XX/XXXX  and withdrew {$24000.00} on XX/XX/. Thereafter, I have maintained a balance in excess of {$300.00} in the saving account. 

I would like for the bank to honor the bonus offer, as its banker assured me that the offer would be tied to my 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 2024-02-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
On XX/XX/XXXX I attempted a direct assistance program with USAA regarding account XXXX and was denied due to excessive debt obligations. 

I applied and was accepted to an independent debt management company, XXXX XXXX, in late XXXX. XXXX negotiated with USAA to enter me into a debt management program on account XXXX. 

On XX/XX/XXXX I received a letter stating my XXXX account had been closed based on an application/agreement to participate in an assistance program. 

On XX/XX/XXXX I received a letter stating I had been accepted into the assistance program. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

On XX/XX/XXXX XXXX XXXX notified me that USAA account XXXX had been accepted. 

In a phone call during the month of XXXX, a USAA customer service representative verbally informed me that I would still receive late notices from USAA despite being in the debt assistance program, but I should disregard these. I continued to receive XXXX, XXXX, and XXXX notices. 

I have verified monthly statements from XXXX that payments at the agreed amount, {$210.00} ( monthly ) were sent for XXXX, XXXX, XXXX, and XXXX of XXXX. 

On a letter dated XX/XX/XXXX, which I did not see until XX/XX/XXXX, USAA notified me that account XXXX was being defaulted due to non-payment, despite the ongoing payments through the debt management program administered by XXXX. I am unable to verify payment receipt on USAA due to the account being removed from my customer portal. 

On XX/XX/XXXX I verified on my XXXX credit report that the XXXX account had been reported as in default. 

USAA has maladministered my account and failed to meet their obligations in the debt management program or participate in good faith. Their communications between departments handling the credit card and the debt management program are a known problem to USAA employees, as demonstrated by the customer service comments to me in XX/XX/XXXX. The willful failure of USAA to address these issues demonstrates their bad faith participation in handling of this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIRST INTERSTATE BANCSYSTEM, INC.
State: GA

Complaint narrative:
I am a current customer with First Interstate Bank. I am awaiting a two electronic deposits from the Veteran 's Association and the XXXX XXXX and Accounting Service. As of the XXXX of XXXX, I have not received my deposits. I contacted First Interstate Bank to inquire about the status. I was told that 'they are having trouble with their system and can not give me a timeframe as to when this issue will be resolved. ' I am bemused as to why First Instate Bank has not been transparent with their customers. When you log into their website, nowhere does it state that they are having any issues. Nor does their social media indicate a problem. I find this troubling and deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Management Partners, LLC
State: CA

Complaint narrative:
Doctor medical center File # XXXX, XXXX XXXX CA XXXX Send me bill for XXXX as final bill on XX/XX/year> for past procedures. I called them to make a payment plan but they told me they will give be discount if want to pay today. Told me 30 % but gave me discount of XXXX. Now sent the same bill for collection. Because it was on phone I just trusted them to pay in full. Now any time I call I am being directed to collection agencies. I paid XXXX out XXXX and only services was given XXXX XXXX for XXXX XXXX and PA not a doctor gave me the diagnosis that I am XXXX XXXX. I was sitting in waiting room all the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I contacted Equifax to get a copy of my consumer report online. The online service says i can't view it and I need to call Equifax for more information. I started this process on XX/XX/XXXX. 

I was told there was an issue and this would be escalated to their Tier 2 department, and it would take 710 business days. I also asked that a copy be mailed to me just in case it takes longer. 

I called back 2 weeks later as I received nothing in the mail and nothing online. I was told the case was escalated incorrectly and would have to be escalated again. I asked to speak to a member of this team and there is no way for their internal teams to communicate with each other, so i will have to just wait. Additionally, I asked for another copy to be mailed to me. 

I called back again in XXXX, as i still never received anything and was told the same thing again. I asked to speak to a manager who assured me he would take care of the issue but it would need to be escalated again and he also has no contact with the other team that would be handling the case. 
-Far as the mailed report I was told they have my address wrong which is why i've never gotten the mailed report. To have any inaccurate information on my credit report is a violation of the FCRA. 

Here i am XXXX XXXX and still having the same issues. I've called again today only to have the same information told to me. I'm not patiently waiting any longer for something is my RIGHT to have access to. 

Case numbers i've been given at all individual calls : XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
I have a Wells Fargo Autograph credit card ( account number is XXXX XXXX XXXX XXXX ). After the close of the previous statement ( XX/XX/XXXX ), I had a statement balance of {$3100.00}. I made payments to bring the account balance to {$0.00} prior to the close of the most recent statement date ( XX/XX/XXXX ). Wells Fargo never reported to XXXX after the XX/XX/XXXX statement that the account balance is now {$0.00}, so my XXXX credit report continued to show a balance of {$3100.00}. I submit a dispute on the noted Wells Fargo account through XXXX on XX/XX/XXXX. XXXX contacted Wells Fargo referencing the dispute, and Wells Fargo responded saying that i still have an account balance of {$3100.00}, which is incorrect. 

As a result of Wells Fargo incorrectly reporting my account balance to XXXX two separate times, i am submitting this complaint regarding my Wells Fargo Autograph credit card 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 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is indeed ridiculous to see late payments recorded on my account when I have consistently made on-time payments without any history of being overdue. I firmly insist that you correct my account to accurately depict my payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: Bridgecrest Acceptance Corporation
State: IN

Complaint narrative:
On XX/XX/XXXX my husband XXXX XXXX had past away near the end of XXXX I had reached out to bridgecrest to some the loan on are XXXX  XXXX XXXX XXXX  was told need to make loan current and send them alot of papper work all this process was completed in XXXX the still did not reach out to me to change the loan to my name this is when I resized they were not going to they came picked up XXXX XXXX because my XXXX had past I'm askingthem to refund them I did reach out to them to collect the payments I made in the purpose of asoming the loan and requested all documents they say I did not sent and the computer notes right before I made XXXX payments aslo asked for dates and documents were they reached out to me right after XXXX payments asking for more documents they refuse to send documents and said that even though the amount was courent on XX/XX/XXXX I still need to pay XXXX 's payment wich was not due till XX/XX/XXXX in order to complete the process but that is not what the man on XX/XX/XXXX told me he said I need to complete the payment and give him the department of moter vicals address in wich I did later that day when ask what the next step was they were to send me a form to sign in wich they never did. The lady on phone keeps saying they told me about XXXX payment and there was no decision on the form I need to sign .why would anyone keep makeing payments when they don't follow through so you can get the plates for your vehicle this company did this just to string me along for more payments

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: LAKE MICHIGAN CREDIT UNION
State: MI

Complaint narrative:
I have funds in my joint Lake Michigan Credit Union ( LMCU ) checking account with my wife. She had an unpaid LMCU credit card that was a very small fraction of the total funds in the account. LMCU would not allow me to withdraw a small amount of funds because of the fractional charge on an account I am not on. 

LMCU denied disbursement because of a fractional charge that my wife had been trying to pay for the last month online. She didn't get to LMCU before they shut down all funds. We were unable to make it to LMCU during hours during a difficult period as my father passed away XX/XX/XXXX and had been actively transitioning since XX/XX/XXXX according to the hospice nurse. 

We tried to pay using the online tools but LMCU had technical issues sending the money from our joint checking account to her separate XXXX account. Note the amount that LMCU cancelled us over was < 1 % of the total funds they froze due to my wife 's unsuccessful attempts at paying. LMCU then removed all rewards she had on the credit card which totaled {$200.00}, well over the amount LMCU froze all funds for. 

Since they took these terrible consumer threatening actions we closed our credit accounts and are actively working to move our funds out of this place because of their terrible company policy that keeps funds away from the consumer for very fractional amount of funds. 

As a consumer I am appalled that my funds ( ie paycheck used to operate my family expenses ) was froze and restricted from me for a fractional amount that was late and that I was not associated with. 

This practice was highly impactful for our family and law should be made if not already to ensure these institutions don't continue to threaten hard working American consumers.

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 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I am writing to dispute the inclusion of this bankruptcy on my credit report. The dates filed and reported, as well as the closing dates, do not align. This situation is highly concerning as I possess a letter from the court clearly stating that this bankruptcy should not be reported to you. Furthermore, the involvement of an unauthorized third party adds to the absurdity of this situation.

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 2024-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
On XX/XX/24, I used a drive-up Huntington ATM located at XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX at approximately XXXX. I needed to deposit XXXX} in cash. I had a total of XXXX $ XXXX and XXXX $ XXXX. During the deposit, the ATM indicated that it accepted XXXX but kicked a XXXX} out saying it could not properly process the bill. I selected the option to deposit more cash. The screen signaled for me to insert the bill ( s ) but the slot for doing such never opened. After approximately 10-15 seconds, an error showed on the screen saying my transaction could not be processed and told me to take my card. Once I took my card from the slot, the machine went back to the home screen. The machine did not prompt me for a receipt at that time and did not return any of the money I had already put in. I checked my account immediately and did not see a pending deposit. I then called Huntington Customer Service ( XXXX ) at XXXX and was transferred to the dispute department. I gave the details of the occurrence as I am doing here and was told I would receive a credit for the amount within 24 hours ( as of this complaint on XX/XX/24 at XXXX, I still have not received my money ) and the dispute would be investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
XXXX XXXX XXXX  Opened XX/XX/2018 allegedly owe : {$1400.00} I have been a victim of identity theft I have not opened a credit card account with this bank. I have filed an FTC report and now I'm filing this CFPB complaint as well to get help to dissolve this inaccurate information being reported and improve my credit file so I will be able to obtain the work and home opportunities, I can not obtain due to fraudulent, and inaccuracies being listed on my credit file.

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 2024-02-01 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
I received a letter from a debt collection agency on behalf of XXXX XXXX in late XXXX. I immediately ticked the box on the form requesting details of the debt and returned it. I have confirmed with the company that they received the letter on XX/XX/XXXX. As of today ( XX/XX/XXXX ) I have not received a letter of validation. I have received text messages and calls attempting to chase the debt though. I have explained to the people calling that I requested information and it has not been shared. My understanding was that they have 5 days to respond. It's been a month and nothing. 

My original confusion stems from the fact that vehicle insurance is paid in advance therefore I do not understand how they can claim I owe them money upon cancelling the policy.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
On XX/XX/XXXX I received a HARD inquiry on my report from EXTER FINANCE. Which i have NEVER inquired about a loan or for a loan through this company or through AFFILIATES. Someone stole my SSN and I need this removed ASAP. I never inquired about a loan or gave my CONSENT for EXTER FINANCE LLC/WCG to pull my credit, to do an inquiry, or to make any financial decisions on my behalf based on the credit pull or findings. I'm requesting that you remove this FALSE information ASAP. I want to note that on XX/XX/XXXX i called the customer service line and they assured me that 'someone ' would work on it and didn't have a reference number. I do not trust that and need this to be resolved asap, so YES this is escalated.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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 2024-02-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: WV

Complaint narrative:
I have multiple sclerosis and all of the collections in my report are medical bills. I just cant afford them. Ive paid off all my other debt besides my car

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
I was looking at my credit report and saw that my personal information on my credit report was not right my address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX.I never live at XXXX XXXX XXXX XXXX, TX XXXX or XXXX. XXXX XXXX XXXX XXXX XXXX, la XXXX please delete these addresses immediately as am a victim of identity theft.

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 2024-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with fraud alerts or security freezes — 
Company: NAVY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
My account was hacked, the money that was took was charged to me and now my account is negative XXXX XXXX dollars. The money I had in the account was taken and the bank wont give me my money back

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit.

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