vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: NH

Complaint narrative:
On XX/XX/XXXX, Wells Fargo received a payment in the amount of {$2000.00} from my XXXX XXXX checking account ending in XXXX. The funds were mistakenly sent to pay a " PAID IN FULL mortgage account # XXXX. The funds ( {$2000.00} ) laid dormant in this " Paid in Full '' account for 4 days. 

On XX/XX/XXXX, I placed a phone call to Wells Fargo. I explained the above to a clerk who looked up my account. She agreed that the funds are in the " paid in Full '' mortgage account. She could not explain why the funds laid dormant in the " Paid in Full '' mortgage account for 4 days. The clerk told me that they could refund the money to me, but that the funds would have to be send back through the " Bill Pay '' that I used to pay the mortgage. I then clearly explained that the " Bill Pay '' account that was used to send the funds was now cancelled and asked them to send a certified check to me and my wife instead of sending the funds back through a closed " Bill Pay '' account. The clerk left the phone to confer with her supervisor. The clerk then told me that she would have them mail a check on Monday XX/XX/XXXX and That I would get the check on Tuesday XX/XX/XXXX. I never received the check. 

On Wednesday XX/XX/XXXXI placed another call to Wells Fargo. spoke to XXXX employee # XXXX. The funds ( {$2000.00} ) in the account were now marked as reversed. XXXX said the funds were sent back through " Bill Pay '' channels.XXXX XXXX said they do not have the money and the bill pay company does not have the money. The money was never mailed like I requested and that they consented to. Could someone please help me recover my money. XXXX XXXX XXXX XXXX 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 2018-02-16 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WESTERN OHIO MORTGAGE
State: KY

Complaint narrative:
On or about XX/XX/2017, Western Ohio Mortgage XXXX ( " XXXX '' ) denied my new construction/mortgage loan application as evidenced by sending me a Notice of Withdrawn application stating, " File incomplete '' as a pretense for discrimination. In fact, XXXX previously had received all required and necessary documents to process said loan within 45 days or less. On information and belief, I believe that I was treated differently based on my race, color, sex, marital status, age, and other forbidden factors when I applied for a new construction mortgage loan with XXXX. For example, XXXX refused to consider my reliable income from full-time employments as both an XXXX XXXX and XXXX   XXXX XXXX. XXXX rejected my new construction mortgage loan application because of my race, color, sex, marital status, age, and other forbidden factors. XXXX also imposed different terms or conditions on the new construction mortgage loan application as evidenced by accusing me of being a XXXX XXXX based on my race, color, sex, marital status, age, and other forbidden factors because I made a cash land purchase for {$40000.00}. XXXX required a co-signer after I had received the pre-approved letter and met all its requirements. XXXX rejected my new construction mortgage loan application after 45 days of submission of my completed loan application and caused a {$3000.00} increase in building price after XX/XX/2017. XXXX failed to tell me the specific reason it rejected my loan. XXXX caused me to pay {$450.00} for the property appraisal.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: WA

Complaint narrative:
Portfolio Recovery Associates is still sending me letters and calling my phone. I just got a new letter from PRA on XX/XX/XXXX on the same debt. On XX/XX/XXXX, I received a call from PRA regarding this debt and informed them the debt in question is over 7 years old ( the debt originally occurred in XX/XX/XXXX-XX/XX/XXXX. They continued to try to get me to pay on a debt outside of the Statue of Limits ( SoL ). I had also informed them in writing back in XX/XX/XXXX but lost proof during a move. Once they contacted me again, I sent a new FDCPA Cease & Desist letter on XX/XX/XXXX.  I still have a copy of letter I sent them and they refuse to follow the law. They also refuse to remove this debt from my credit reports and keep reporting the wrong date illegally.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-02-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I opened a bank account with Wells Fargo in XX/XX/XXXX. I believe the account could have been overdrawn i called to speak with an associate at the banking institution sometime around XX/XX/XXXX. Once on the line with the associate was told i was denied for a student loan as i did receive a letter stating this as well. I never applied to receive a student loan i was not a student i was working not attending school. This incident raised red flags i asked to speak with the Manager and wasnt able to i went into the bank i opened the account with to speak with the Manager i spoke with another associate who explained the debt was in fact mine because the account was overdrawn i didnt not receive notice. I let the situation go for a while due to other obligations i found out a Credit Card was opened in my name per my Credit Report without authorization from me. The account was closed XX/XX/XXXX with a {$600.00} spending limit it also shows out of the {$600.00} limit {$330.00} was used towards debt collection. I am currently involved in a class action law suit with XXXX against Wells Fargo for fraudulently opening credit accounts without consent or approval of their customers. The debt is still showing on all 3 credit bureaus and have been on my credit for 6 years and 8 months i need this debt removed and this issue resolved.

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 2018-02-16 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: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
They will not refund the full initial cost of the card nor honor the Terms & Agreement ( T & A ) for the welcome bonus offer portion. 

AMEX offered a welcome promotion bonus offer for their Delta Platinum Card of XXXX points with a spending of {$3000.00} within 90 days. The card initiated a {$190.00} fee as part of the sign up T & A. 

AMEX Admits that this offer was assigned to my account. Spending limit was met within 92 days. The T & A states that the bonus offer will be credited to the account within 6-8 weeks. 

It's been 12 weeks and AMEX took no action to provide the bonus offer until complaint was made. AMEX reports 6-8 weeks requirement for investigation to be completed with no commitment that the original bonus offer will be provided. 

Also told that they will not refund the full amount of the initial {$190.00} fee. Consumer has to wait 18-20 weeks by AMEX estimation for a decision to be made. Under this scenario the consumer would only receive a {$35.00} refund due to the prorate and no bonus offer if AMEX does not award. 

This is deceptive, misleading. They will not refund the full initial cost of the card nor honor the T & A.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: M&T BANK CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX we closed escrow on a new loan with a lower interest rate. 

The new mortgage company is XXXX XXXX. 

Our previous lender, M & T Bank, was paid off by XXXX XXXX with the closing of escrow. 
However, on XX/XX/XXXX, M & T debited another monthly payment of {$1300.00}. 
This was a normal payment amount on the original loan. 

I called M & T Bank on the same day, and they admitted it was an error and I would be refunded the full amount in 10 days, XX/XX/XXXX. ( ph XXXX I called M & T Bank today, to confirm the refund which I was expecting but never received. They said they are preparing our refund now, and we should receive a check by XX/XX/XXXX. 
This is creating a financial hardship. I gave M & T the permission to debit my checking account ( XXXX XXXX XXXX XXXX - XXXX, CA XXXX ) and they compromised our family financially through their incompetence. 

I am attaching documents reflecting the closing of the first loan ( settlement ) and payoff to M & T Bank effective XX/XX/XXXX. And debit from my checking on XX/XX/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 2018-02-16 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: KY

Complaint narrative:
I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX/XXXX XXXX   XXXX XXXX/XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

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 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Receiving multiple charges I did not authorize from this company. They are re-charging my card multiple times. Unable to pay bills now and etc. I removed my accounts from their website and I still received the charges. 

On XX/XX/XXXX a {$510.00} charge I did not authorize from this company.

On XX/XX/XXXX a {$200.00} charge I did not authorize from this company. 

Again, I did not authorize these charges. I am not alone in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On Sunday, XX/XX/XXXX I spent a few hours gathering information on my student loan including : downloading all available statements, noting down 'current balance ', 'paid to date ', 'interest paid ', 'interest rate ', etc. in order to validate the suspicion that Wells Fargo does not apply the .25 % Auto pay discount as advertised. Attached is the all supporting documentation available to me and compiled for you with a detailed breakdown of interest rates from XX/XX/XXXX - XX/XX/XXXX with those impacted interest rates marked as reference with a circle. 

The initial loan taken out and that was disbursed years ago was set up with automatic payments for a number of years. The available statements relating to this loan are dated from XX/XX/XXXX to XX/XX/XXXX - I have submitted and am awaiting paperwork covering the rest of the loan. Please look at those dates indicating that on each statement the .25 % was not applied. On the second consolidated loan, from XX/XX/XXXX to XX/XX/XXXX, during the time which the loan was set up with Auto Pay, the lender again failed to apply the .25 % discount. 

Wells Fargo has thousands of student loans and I am certain this is a common issue among all of their student loan accounts with Auto Pay, and if not all, most certainly a majority. I consider this fraud as upon reviewing what is marketed, and the legal copy, I find no indication that my current loan or the original loan would not have qualified for Auto Pay discount based on the disclosure available. I consider this a very serious issue. Wells Fargo does not apply the Auto Pay discount when the student loan customer ( s ) meets the criteria advertised.

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 2018-02-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: CA

Complaint narrative:
XX/XX/XXXX - Buy XXXX XXXX from XXXX XXXX XXXX and Westlake Finance as the financing company with {$6400.00} Amount Financed 10.15 % APR, 36 months to pay with a Financed Charge of {$1000.00}, Total payment of {$7500.00} and payment of $ XXXX/month for 36 months beginning XX/XX/XXXX XX/XX/XXXX - cancelled the extended warranty worth {$1300.00} So now the Principal Amount/Amount Financed was reduced. 
The WESTLAKE FINANCE told me to pay the same amount $ XXXX/month, nothing has been reduced, so I asked them to send me a new updated accounting but until now nothing. 
What I understand is my payment of {$200.00} have a fixed rate, meaning fixed monthly Finance/interest charge and fixed monthly Principal amount, but every month said interest and principal amount keep on chaging. Again I asked them thru email to explain. 
I have made 4 monthly payments already and the account statement that they are sending have different amount in interest and principal, and until now they have nit sent me an updated account where I can see how long will I pay and the adjusted amount and every important details that can be easily understand.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: FL

Complaint narrative:
I have contacted Experian several times about this Child Support Account, the information is incorrect, Experian 's response is " This item was updated from our processing of your dispute in XX/XX/XXXX '' however it's gotten worse!

Now no payments are showing, and it shows " Failed to Pay '' in XX/XX/XXXX only. 

This information is 100 % INCORRECT

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 2018-02-16 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: NC

Complaint narrative:
I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, XXXX, and Transunion. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, XXXX, and Transunion. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

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 2018-02-16 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: NC

Complaint narrative:
I contacted XXXX in XX/XX/XXXX in regards to the incorrect late payments reporting to XXXX, Experian, and XXXX. I spoke with representative XXXX, and explained to her that the late payments that are reporting were during the time I was enrolled in school and/or in a deferred state. There is no possible way that I could missed a payment that I was never set up for. She agreed and confirmed that ALL of the late payments will be deleted and removed from my accounts. Over 30 days went by and I received an updated copy of my credit reports from XXXX, Experian, and XXXX. The late payments were still reporting and had not been deleted. I typed up a letter explaining everything that I had previously explained to XXXX. I also explained that I was told that All late payments would be deleted and removed over 30 days ago but they were still there. I mailed the letter off along with copies of all three of my reports certified mail with a received receipt included. According to the receipt the company received my letter on XX/XX/XXXX and I still have not gotten a response. These incorrect late payments are affecting my credit file/score tremendously. I have attached the letter and the receipt.

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 2018-02-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I called Equifax and told them to remove hard inquires on my credit report because I did not authorize the hard inquiries. Equifax replied to me by mail dated XX/XX/XXXX and told me they will not delete the inquiries because they are verified as accurate. XX/XX/2018, I sent Equifax an inquiry removal letter, because I have hard inquiries on my credit report that I did not authorize. I received a reply letter from Equifax dated XX/XX/XXXX stating that they will not remove the inquiries because they are verified as accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
Coinbase.com has double charged my account and I can not reach anyone from the company. My checking account is sitting in the negative after these fraudulent charges and I cant get any answers. They are blaming XXXX and XXXX is blaming Coinbase. I just want my money back ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-16 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: KY

Complaint narrative:
I have been in the process of cleaning up my credit- or trying to. I have several issues. 
I had sent several goodwill letters recently. Trying to simply get negative accounts removed from several years ago when I declared bankruptcy. However, every single creditor I sent these too has then entered them as disputes. I am not disputing anything! I even plainly state that in my letters. 
Creditors that have done this so far- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX My understanding was that unless we specifically file a dispute then- it isnt a dispute. 

Second issue- new collection- I verbally told them I dispute it. I want an accounting. I never received any sort of mail correspondence at all. They updated an old collection on my credit report with this new information. Then as if that wasnt bad enough- I sent via certified letter- a debt validation which has been completely ignored. 
What next? 

I feel like we have all these laws that are supposed to protect consumers but they arent taken seriously. After all, why should they be? If you dispute something they just electronically verify the exact same erroneous information. Once you have errors on your credit report it is a nightmare. You never seem to get them resolved or removed and it seriously can ruin your life. You cant get credit or not affordable credit. And you never get out of that pattern because on down the road future creditors see that you had to go through sub prime lenders and they dont like that either. Meanwhile the only people that get hurt are the people this is supposed to protect.

Company response to consumer: Closed with non-monetary relief