vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-12-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
On XX/XX/2018 Capital One put an offer for {$500.00} for their XXXX XXXX XXXX Account where if you deposited a cumulative amount of {$50000.00} you would receive the bonus. From XX/XX/XXXX to XX/XX/2018 I cumulatively deposited $ XXXX and I called in after 60 days asking for the {$500.00}, but the call agent said that there is a $ XXXX balance requirement that wasn't part of original offer letter. 

They are adding a new element to the terms and conditions that wasn't present in the original document in order to not pay out the bonus. 

Attached is the offer where there is no mention of a XXXX balance and screenshots of my bank statements where you can see I cumulatively deposited {$50000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
As a result of a disaster in which I lost the use of my home, I submitted a claim to my insurance company. I also called my mortgage company Ditech at the same time ( XX/XX/XXXX ) to make sure my claim was handled in a timely manner. It took two months for my insurance company to release a payment for damages at which time I immediately called my mortgage company ( XX/XX/XXXX ) to get them all the information they requested. They informed me that it would take approximately 16 business days from the day they physically received my information ( XX/XX/XXXX ) to release the insurance check. I explained that they had all the documents, costs were incurred and some work has already been done, and I am living in a camper behind my house and they had all the documents to release funds. I got the same standard answer. No deferment of mortgage payment or any solution. Just that they are overwhelmed with the amount of disaster claims across the country right now and there is nothing else they can do and I'll just have to wait ( XX/XX/XXXX ). I can imagine that this is where mortgages fail and foreclosures happen. I asked if the company had or is developing any expedited processes or hiring more claims processors to help and short answer was no, it will just take that long and I'll just have to wait. If the insurance has gone through the process and the homeowner is entitled to the money, the mortgage company should not delay the process. I understand it is an asset for them, but it is a hardship to all of their customers that they are ill-equipped to handle this process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: GA

Complaint narrative:
First thing, I had made XXXX XXXX monthly payments consistently since XX/XX/XXXX for 13 months to someone who claimed to be a part of XXXX XXXX XXXX XXXX XXXX NationStar, but wasn't. I truly thought I was doing the right thing because I was actually making Cash Deposits into a XXXX  XXXX XXXX Account # XXXX : All State Marketing Solutions Escrow XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX , FL XXXX Only to find out that my payments had not been going towards my Loan # XXXX Mortgage because my home was about to be Auction off at the Courthouse on XX/XX/XXXX which I had to file Bankruptcy in order to prevent ( please see attached documents ). 
Secondly, this indicates a Case of in which I need to get my total of {$7000.00} back to go towards taking care of my Outstanding Balance of {$14000.00} .due by XX/XX/XXXX. Please advise and assist me in getting this resolve as soon as possible. 
Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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: NY

Complaint narrative:
I have received a targeted offer from American Express to open a card and spend {$5000.00} and receive XXXX bonus points ( I have a print screen ) I have applied for the card, was approved. 
Once I did the required spent XXXX did not want to grant me with the XXXX points they said that in the terms and conditions they had a notice that previous card holders are not eligible. This was not noted on the offer page ( as you can see ) and you had to click on the whole terms and conditions to discover, this is clearly misleading intentinally. 
Also, I did not get any warning that I will not qualify for the offer, moreover, I was targeted for the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Community Health Investment Company, LLC.
State: MS

Complaint narrative:
On XX/XX/2018, I had a procedure done at XXXX XXXX Hospital in XXXX, MS . I was advised that they will bill my insurance and then send a bill for the balance. I received a bill at the end of XXXX for a payment to be made XX/XX/2018. I paid a total of {$40.00} for this month and then began paying {$5.00} per month thereafter. I have been paying each month and XXXX  turned the account over to XXXX. XXXX then started stating the collection is due in full or would be turned over to credit reporting agencies. I responded stating that I could not afford to pay the full balance and that I am paying what I can afford. I have continued to submit these payments each month, but now they have started reporting this as a collection on my credit. I do not feel that this is acceptable when they are accepting and cashing my payment each month and should not be reported on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Equifax will not provide my credit report to my mortgage lender or myself. My lender tried pulling it on XX/XX/XXXX, and the information they were provided was that there was a freeze on my account for " fraudulent activity ''. I have called multiple times ; twice on Friday, XX/XX/XXXX, and once today ( XX/XX/XXXX ). I spoke with a customer service rep on XX/XX/XXXX, and they then transferred me to the dispute center in order to lift a dispute on my account. Both reps stated that my account isn't on a security freeze, and that I should be able to have my account pulled by XX/XX/XXXX. My lender attempted to pull my account twice since the XXXX, and they are receiving " file error '' messages from Equifax. I called Equifax today and spoke with a representative, but requested a supervisor because of the continued issues despite speaking with two reps, and they stated there were no supervisors available to handle my issue. After confirming my identity, the rep informed me that there is no freeze on my account, and that there is no reason that my report couldn't be pulled. I informed the rep that this isn't the case, that there is an issue on the Equifax end, not user error, but the rep kept insisting Equifax isn't to blame. I have researched this issue and found multiple other individuals having this problem with Equifax despite not having a freeze on their account. I am trying to get a mortgage financed, and because of Equifax 's incompetence, I am unable to move forward with the process. I need assistance with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I do not think that is fair that the three credit reporting agencies have " negative '' information on me for accounts that I struggled to pay in full. It's like being punished for trying to do what is right. If I did not pay them, then I can understand having negative information on my account. The credit agencies say that the creditors have to remove the information and the creditors say the agencies have to remove it. I am at a loss trying to get this resolved : - ( If a person pays their bills, then their credit should be good.

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 2018-12-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: LA

Complaint narrative:
Carrington Mortgage XXXX  refuses to take my payments and only is interested in foreclosure. I have tried several times to get caught up but they refuse to do anything. They tell me to make payments, I try, they send them back, then place my property in foreclosure forcing me to pay exorbitant fees. Their mortgage assistance process is for show only. They only do it because its a legal requirement. I have paid these people over XXXX dollars in the last 3 years, almost none of it going to my actual mortgage. The internet is full of other people with the same complaint. They should not be allowed to do business at all, much less be able to service government or low income loans. All they wish to do is foreclose.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: NY

Complaint narrative:
IC debt collectors put themselves on report 6 months ago. Turns out they are saying they are collecting for a utility company and the last time account was operating was 5 years ago????? Ive asked several times for documentation especially billing and payment history and they cant and wont provide me with anything. 

I told them several times social services was last handling and paying the account. I couldnt pay it years ago and social service took it over so the power to the home wasnt turned off because there were young children living there with me as well anyway the collection agency refuses to send any proof of any billing. I am not responsible for any of social services dealing with them. I lived in the house and didnt pay an electric bill for 5 years. I would see bills mailed and see social services make some payments but it had nothing to to do with me. Thats the law in my are I guess becasue thats how the electric stayed on all those years without be payng anything because I didnt have anything. So I C systems wont send me any documentation of anything. If they did the billing all those years back would show any payments made to the account were made by social services. 

Ive tried several times to explain this and all they do is make threats

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Unauthorized inquiries applied to my credit file. I contacted Experian 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Experian liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Experian continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Experian which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. I will absolutely take legal action if Experian ignores my 4th request to remove or correct inaccurate information. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Experian. 

Thanks, 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 2018-12-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL

Complaint narrative:
I deposited a third party check to my USAA checking account using a mobile banking app. I endorsed the check " for deposit only to USAA XXXX account number xxxx ''. USAA did not want the check processed in that way. In response to this issue, USAA chose to freeze all my outside electronic transfers. I still have the check in my position. I am happy to process the check in any way USAA prefers. However, they still claim that my electronic funds transfer process will remain frozen for the foreseeable future.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: CORELOGIC INC
State: MN

Complaint narrative:
Companies pulling requires on my credit lower my score

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 2018-12-19 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: GA

Complaint narrative:
Unauthorized inquiries applied to my credit file. I contacted Transunion 3x and every time I am told to contact the creditors which I have done to no avail. It is a never ending cycle of being told the same thing over and over again to no avail. It has affected me personally and I intend to pursue litigation and hold Transunion liable as they have offered me no recourse. If the inquiries are a " matter of fact '' and the companies were doing account reviews they should be coded as " soft '' not hard inquiries. Under no circumstances are unauthorized " hard inquiries '' allowed to remain a fact of record. Transunion continues to tell me that and that is not true. I have attached the letter of the unauthorized inquires which has been previously sent to Transunion which they have completely ignored. You are told to contact the creditor over and over again and they know that gets no results. If the inquiries are fraudulent, then of course the companies have documentation because they think you authorized it. That does not mean its authorized. Additionally, several companies indicated they were account reviews. If they were account reviews then they should be coded as such. The companies then lie and say they will contact Transunion to remove it or code it as soft but it never happens. This has been going back and forth far too long. I will absolutely take legal action if Transunion ignores my 4th request to remove or correct inaccurate information. If the creditors have been negligent in correcting this information Transunion has a duty to remove it or correct it. This is becoming a little ridiculous. Please see the attachment below to be forwarded to Transunion. 

Thanks, 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 2018-12-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: WELLS FARGO & COMPANY
State: KS

Complaint narrative:
I cant count the number of times that I have reached out to Wells Fargo regarding my business credit card being frozen. The way Wells Fargo has handled this has been horrendous. I was approved for the credit card, began doing the {$5000.00} spend and met about {$3000.00} of that and then out of the blue my card was frozen and can not be used. This was about a month ago. After countless investigations and requests from Wells FArgo to send this to the backend team nothing has come across. 

The issue is Wells Fargo is stating that I need to provide my business through filing a business license. This is a Sole Proprietor business where I am using my first and last name as my business name and my social security number as my tax ID. 

The Kansas laws specifically says on the Kansas Secretary of State website on http : XXXX - Q : Are all companies doing business in Kansas required to file with the Secretary of State? 
A : No. Sole proprietorships do not file with the Secretary of State. 

Also - DBAs, Fictitious Names, Sole Proprietorships, Etc. 

Q : Do you register DBAs ( doing business as ) or fictitious names? 
A : We do not list or register DBAs in the State of Kansas. Kansas does not have statutes requiring or permitting the registration or filing of DBAs or fictitious names. 


This could not be any more clear. I do not and should not file a Sole proprietor business in Kansas and don't require permitting registration or fictious names. 

My account should be restored immediately and Wells Fargo should still allow me time to complete the bonus requirements. I have a large transaction coming up so the timing should be an issue assuming Wells Fargo unsuspends this card immediately. 

This isn't the first time I have been accused of something from Wells Fargo, earlier this year for my checking account it was frozen and I was forced to come in to prove my identity. This took hours out of my day and I was late to my grandchildren 's soccer game. If you guys want a chance at a relationship with me or my family, please do the right thing.

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 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My XXXX year old mother just contacted XXXX  to freeze her account. Because she is XXXX and has XXXX she could not answer all of their XXXX questions, let alone the fact she does not know what my nephew, her grandson has opened in her name as far as loans and/or credit cards. Sure, they can breach all her information and mine, but NOOOOOOOO, because she doesn't know all their XXXX   answers to questions that may or may not contain real information, they REFUSE TO FREEZE HER ACCOUNT. 

I hate them and the way they treat real people with real problems. And as for your company, you are no better. I asked you to help me stop this same nephew from stealing from her PNC Bank. You in turn gave it to PNC Bank to investigate. They in turn called me and said point blank they didn't answer to you or anyone and the results of the investigation would never leave PNC walls. 

So basically, you both protect the criminal and not the victims. Great. Thanks alot.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: CA

Complaint narrative:
I applied for a new student loan repayment plan in XX/XX/2018 after losing eligibility for the Public Service Loan Forgiveness program ( I no longer work for a qualifying employer ). My federally-subsidized loans are serviced by XXXX. XXXX denied my application erroneously : they said I needed to make a payment on the standard plan to show it was unaffordable, but I had already made two payments on the standard plan. The XXXX agents with whom I have spoken about seven times in the past three months have told me that my application is still pending. In the meantime, I am delinquent on my regular loan payment of XXXX XXXX/month. It should not take this long for XXXX to process my application for a new payment plan.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-12-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted a letter to Equifax Credit Reporting Agency and I have not received a response to my letter of dispute for the following companies. 
1 ) XXXX XXXX XXXX 2 ) XXXX XXXX Letter was submitted to Equifax, requesting for an investigation of inaccurate information being reported into my credit profile due to identity theft. I have not been notified by Equifax of any results. It has been over 30 days. Original submission was on XX/XX/2018

Company response to consumer: Closed with explanation