vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Credit Advisors Foundation
State: NE

Complaint narrative:
My Bank XXXX referred me to XXXX, which referred me to Credit Advisors to negotiate reduced interest rate on my credit cards. I spoke to XXXX XXXX multiple times in early XXXX. He explained that they had a program where by I could enroll all my credit cards, they would put them on reduced negotiated rates. He explained that I would not be able to use the cards while they were in the program, but they would re-activate once paid off, or I could remove them to the program at any time. While on the program, I would make one consolidated payment to Credit Advisors. We spoke on 3 or 4 occasions because I had to look up data and card numbers, and he had to calculate what my consolidated payment and what the interest rates would be. I have 2 credit cards with XXXX XXXX - a XXXX card that I pay off every month. I have had this card for approx 30 years. Last year I ran approximately XXXX - XXXX per month in company expenses thru this card as I work for a start up. I also have am XXXX XXXX XXXX credit card with a balance and a high interest rate. Right now I am not traveling, so I don't need the XXXX card, but if the country opens back up I will need it. XXXX said since I can withdraw a credit card at any time he recommended I put it on the program, or I could pay off the XXXX card early and then have both cards back to use. I also was not sure putting all the cards in the program was a good idea as I might not have enough emergency funds, but he convinced me otherwise. He sent me a contract, and I asked if I had to read it carefully and he said it was everything we discussed. I signed up. I have since discovered that XXXX XXXX 100 % Materially Misrepresented this program. Credit Advisors has permanently closed all of my accounts and tagged them as in collection. I have asked to be withdrawn from the program and they have told me I can not. XXXX was not adequately supervised, and I am told their phone calls are not recorded. I now have need for emergency funds. I have lost 30 years  worth of credit history. I can not re-apply for all of these cards without a significant negative impact to my account. I NEVER would have enrolled any of my cards in the program if I had been told my accounts would be closed. I had additional travel benefits I got from some of the cards. This company made false statements to my detriment, they are saying they can not fix it. They are not qualified to be a credit advisor. They gave me VERY INAPPROPRIATE Credit Advice. I have spoken to their CEO and a manager and they are telling me I can not withdraw from the program. They say can not re-open my accounts that they closed without authorization.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
Problem with EQUIFAX credit reporting service. 

I tried to open a savings account with XXXX services. They rejected me with the explanation that they were : Unable to verify information on consumer report I accessed the free credit reports website, and XXXX and XXXX gave me a fine report. Equifax said they can not provide this information online. They " say '' they can if I provide hardcopies of data that I don't want to send through the mail. I'm not too sure about that after doing an online search and seeing entirely too many similar anecdotes. 

I don't want or need credit ; I was trying to open a savings account. But Equifax 's action DID hurt me. Can you make them stop?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: BSI Financial Holdings, Inc.
State: UT

Complaint narrative:
BSI Financial Services are reporting lates on my account in XXXX and XXXX. I should not have any lates. I have been making my payments on time EVERY month and I don't understand why they are reporting inaccurately. These lates are erroneous and need to be removed off my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
Midland funding LLC failed to remove their tradeline from my credit reports in a reasonably time. This is causing my report to become more negative thus having a huge impact on my credit score. They had hired a law firm, XXXX, XXXX , XXXX  XXXX, for the collection of debt owe to them. The debt was settled as agreed with the law firm over a month ago, which was in XX/XX/2020. I called Midland on XX/XX/XXXX and XXXX to let them know that they had not updated/removed the information. Midland keeps telling me that it takes more days for changes to the report. Another person in Midland 's consumer department named XXXX, said that the law firm needs to let them know that the debt has been settled before updating. I called the law firm they suggested it was a matter to be taken up by Midland funding LLC. I will like my report to be updated immediately. Overall Midland funding is taken a long time to update/ remove collection from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
On XX/XX/XXXX a fraudulent withdrawal occurred against my business checking account. I contacted Wells Fargo to open a check fraud claim # XXXX involving an eight-year-old " lost '' check # XXXX in the amount of {$2100.00} issued on XX/XX/XXXX, personally endorsed by XXXX XXXX, XXXX and presented for payment through a XXXX ATM on XX/XX/XXXX. Despite my instructions to immediately stop payment on the check due to its stale status, the check was honored by Wells Fargo. The bank 's negligence allowed for XXXX XXXX, XXXX defrauding of the company during the pandemic imposed by COVID-19. Moreover, as this was done during a time when the company was required, under the State of New Jersey to close its doors as a non-essential business. This fraudulent deposit was intentionally done during this time when the office was closed due to COVID-19. The investigator assigned to the claim ( XXXX XXXX ) took the liberty to close the investigation within days without regard to my request to be contacted about this matter. She determined that this matter should be handled between the parties. After several attempts to contact the investigator, she finally returned my call advising me of her irreversible decision. I explained that this check was claimed " lost '' by XXXX XXXX in XXXX and that severing the business relationship with her involved attorneys, who ensured that all funds between the parties were settled at that time. She advised me to hire an attorney again to recoup the funds, clearly aware of the fact that retaining counsel would exceed the value of the check. Wells Fargo is in breach of fiduciary with costumers not only by placing the accounts at risk due to negligence but also for their failure to ensure that adequate and fair support is available to their loyal costumers. The claim was escalated to the executive level on XX/XX/XXXX and awaiting 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 2020-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Experian still refuse to uphold the law that applies to them.Experian deletes then reinstate a account that does not belong to me back on my credit report .my next step is to have the IRS in this matter.

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE

Complaint narrative:
Monday XX/XX/2020, I used my Walmart rewards card for a purchase and attempted to get cash back the card never offered a cash back option as usual it just processed the purchase as credit. I asked an associate who was working at self checkout was could their be a problem with the machine because I had just done cash back on another card she stated no we have just two machines here set up for cash back and thats one of them so I asked for a manager who checked out the machine and stated it was fine and told me I may want to contact the cardholder which I did so sitting it my car at the location spoke to a manager named XXXX at Capital one who stated Walmart has suspended cash back to all cardholders. I was very upset I asked how could they take this action without notification, I have never been late and has never missed a payment and most of the time I pay over the amount due, he said Im sorry this is not a decision of capital one we just manage their accounts and its nothing that can be done the decision was made to keep down the spread of coronavirus so members dont have to access the keypads which was an unacceptable answer to me. Next day I contacted Walmart Corporate Call center spoke with XXXX told her the issue who stated we know nothing about the suspension of cash back after doing research in their database I asked to speak with a manager, she then stated I was contacting my manager XXXX via email to see if she had an answer but she also stated they know nothing about this try contacting Capitol One Back. I contractually signed up for these features under the terms and conditions if a change was being made I should have been notified and agreed to it I have an exceptional payment history not only with this card but four others I have which can be proven I need something to be done, its not only an inconvenience it caused me an embarrassing situation in the Walmart location.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax still refuse to uphold the law that applies to them .Equifax deletes then reinstate a account that does not belong to me back on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Ive requested proof via mail and online of a judgement that was attached to my name on XX/XX/XXXX. I also submitted these papers as I was a victim of identity theft. 

Report Number : XXXX Date Generated : XX/XX/XXXX In their investigation they advised : " The company that reported the information has certified to Experian that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details '' 1. The Company? The company Experian is referring to is XXXX XXXX. Im not sure why this information isnt stated in the results of their " investigation '' but this is important information for consumers to know who is reporting these type of fraudulent claims. 

2. Experian did not provide any documentation that would solidify that this information is accurate. Proof should be provided and not just a broad statement that what was reported is inaccurate. What is accurate? 

XXXX. When I reached out to said company regarding the release of inaccurate information I was advised via mail at my address which is on file with EXPERIAN which included my name that I could not be located in their system. 

Experian is falsely reporting inaccurate information and anything tied to this judgement should be removed immediately. 

Experian should provide valid documentation to me as the consumer on how this information was validate for accuracy if I am not in XXXX XXXX database.

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 2020-06-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
On XX/XX/2020, I reported a fraudulent charge to Chase on my credit card, ( XXXX Chase Freedom Unlimited ), in the amount of {$150.00}. 

On XX/XX/2020 I received a letter in my Chase account, stating that I " received a benefit from this transaction '' and that I can see the balance on my statement for the fraudulent charge on my account in the next one or two billing cycles. 

On XX/XX/2020, after receiving the letter from Chase, I contacted the company ( XXXX ) to which the charge was made. A representative from XXXX informed me that they refunded the amount charged to my card ( email attached ). However, my credit card statement still shows the {$150.00} charge. 

On XX/XX/2020, after trying to go through Chase Fraud Recovery services, I received a subsequent letter stating that they confirmed the charges were " valid ''.

I'd like to speak to someone regarding this as 1 ) the letters received do not detail why Chase thinks I received a benefit ( I did not, as the charge was fraudulent and I did not make it ), and 2 ) the process of appealing the findings of the investigation. 

When I found out ( the day of the charge ) that there was a fraudulent charge on my account, I immediately reported it to Chase. I am stunned at the letter/disposition I received. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I'm trying to invest money in my XXXX XXXX account and PNC won't allow money transfers

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AFNI INC.
State: NC

Complaint narrative:
Company AFNI opened XX/XX/2020.No communication was ever received regarding the collection account reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: NAVY FEDERAL CREDIT UNION
State: MO

Complaint narrative:
In XX/XX/2020, I applied for a conventional home loan with Navy Federal. Loan Officer XXXX XXXX said underwriting asked for additional information. Said information was submitted and a pre approval for {$510000.00} was given. We find a home and take the additional steps per the preapproval. XXXX stops responding. After a week she finally returns our call and says that Navy Federal JUST changed stipulations like yesterday and my score was 20 points too low. For the next 45 days, I do everything in my power to raise my score from a XXXX and ended up getting with a XXXX. I reapply and was assigned a new loan officer,  XXXX XXXX. Received a second preapproval for {$510000.00} just to be given a different reason why Navy Federal couldnt move forward a second time.

The problem is, Navy Federal gives preapproval saying that youve met their criteria only to be told that the goal post is being moved over and over again. Our lease was up and we ended up signing a month to month based on the preapproval. We were also in the process of switching school districts based off of the hone we found.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
Hi Debt was already paid to a XXXX balance. Credit file does not reflect debt paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: World Acceptance Corporation
State: GA

Complaint narrative:
I filed a complaint with the better business bureau. The company has reported that I am am delinquent on a loan that they have admittedly blocked me from paying. They have lied about me making partial payments as well as my ability to pay online. For some reason at the height of the Covid-19 crisis the company blocked me from paying any amount online they indicated that I need to come in to the office to make a payment. I am being harassed by the company. 

In addition the company is a loan sharking company that prey 's upon the poor and disadvantaged. I was presented with a loan application that included all types of unnecessary insurances and and XXXX insurance etc. The staff is forceful and rude when inquiring about the additional charges. As a result of being able to read, and being educated I was able to tel them to remove the excess charges from my loan. However as a XXXX XXXX that works with at-risk populations. This company should be investigated for loan sharking and taking advantaged of low income people who have little or no options. Its really sad people like this exist. I can defend myself but what about the old person on a fixed income or the single parent or the XXXX veteran. These people make a living scavenging on the poor.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
I closed my XXXX account in writing in XX/XX/XXXX because I lost my job. XXXX automatically put thru a fee for having their " premium '' account in XX/XX/XXXX. I was then charged late fees and interest on a closed account. I called in XX/XX/XXXX to confirm closing account and was verbally told all charges were credited off the account. I continued to receive late charges and fees and called both Comenity and XXXX to confirm account was closed XX/XX/XXXX and neither entity would issue credit for the premium fee, interest and late fees on the closed account. They continue to argue that I made a purchase XX/XX/XXXX, which was the " premium '' account fee. I never reopened the account so I should NOT have been charged a fee and I DID NOT make any type of purchase.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hi Debt was already paid to a zero balance. Credit file does not reflect debt paid in full.

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 2020-06-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hi Debt was already paid to a zero balance. Credit file does not reflect debt paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-16 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: TX

Complaint narrative:
FTC Office of the ATTY GEN # XXXX lates XXXX XXXX # XXXX {$16000.00} Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   Business Cred

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 2020-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I opened an account with Chase Bank in part because of a promotion which, after meeting certain conditions including a regular direct deposit, the account would be credited {$200.00}. When I noticed the promotional credit had not been applied after the second direct deposit, I contacted the bank via their secure message feature in the Chase XXXX app. The first person who answered the e-mail indicated that she was not able to apply the coupon code. Although I had not done anything wrong, she indicated that she was unable to credit the account. After replying back and requesting an escalation, I was told to contact Chase at their 800 number. I dialed in on several occasions but no person I spoke with seemed to be aware of the promotion or how to address the issue. 

I have attached the e-mail promotion to this complaint, but it appears that the bank is engaged in a bait-and-switch to have my business but fail to follow through on their promotional offer, acting in bad faith. Multiple requests to speak with a customer service supervisor, offering to send copies of previous communication and a copy of the offer to the customer service representatives which whom I spoke, were all declined.

Company response to consumer: Closed with monetary relief