vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was hit and my car was totaled in XXXX. I had an extended warranty on the vehicle and there was a refund of the unused portion of that warranty. Because there was still a small balance on the loan and the Title was still with U.S. Bank the dealership refunded the unused warranty money to U.S. Bank. I had payed off the loan not knowing the dealership would send the overage to U.S. Bank. U.S. Bank has been over payed for the loan in the a mount of {$2000.00}. The dealership sent a check to U.S. Bank for {$2000.00} on XX/XX/2020. I have called U.S. Bank 15 times about this matter and they continue to tell me that they do not show having received the check. Multiple Bankers and Managers have promised to look into this matter and call me back. To date I have received 0 call backs. The time I have spent trying to resolve this matter can never be recovered. In my opinion U.S. Bank should be trying to resolve this matter but that has not happened. Please HELP. The names and locations of the 15 people and five call centers I have talked to can be provided if you wish.

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 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I recently discovered that Wells Fargo has been charging me a XXXX dollar annual fee for a credit card for the past XXXX years. I went into a branch to ask about it and they told me in the branch that there should not be a fee. They told me I would have to call customer service and talk to them. I called and spent an hour and twenty five minutes on the phone with them. They told me yes, there is no fee but we can only reimburse you for last year. Not the other years that they stole from me. 

I asked " Wasn't Wells Fargo recently fined by the government for stealing money from their customers through credit card fees, etc. '' That got their attention and the person I was speaking with passed me over to someone else. That person spent 20 minutes trying to locate a original agreement between the bank and I regarding fees but could not find it. I then reminded them to just look on their website where you advertise this very card - it says there are no fees. She then gave me an 18 digit case number and said someone will call me someday. I have no faith that they will act accordingly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. Auto Sales Inc.
State: SC

Complaint narrative:
US Auto Finance has a balance reflected on my credit report which shows charged off. This car was totaled. I did not receive any letters or calls stating that there was a balanced owed. If this company checks my account can they see I called to inquire if my load was covered with the payoff from the insurance company and was told yes. There were no further communication from US Auto.  In years my account was never late!!! I demand this be removed from all credit reports as I have no statement showing what this balance is for or why!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I applied for a XXXX credit card today XX/XX/20 and I was not approved. I had no idea why I didn't get approved since I don't have any negative account information on my credit ; I called to ask why I was denied and I was told that the reason I wasn't approved for the credit card was because there are accounts in negative standing on my credit. I immediately looked through my credit report and found three accounts that are not mine. The accounts are from XXXX, XXXX XXXX and XXXX XXXX. None of these account belong to me and I have never opened any account with any of these companies. I have reason to believe that someone stole my personal information and used it to open these accounts without my permission. I have already filed a police report with the information that I have. I never received anything from these accounts such as money, goods, services or any other benefit and I never allowed those companies to run or access my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX  XXXX  XXXX credit card , 1 XXXX  XXXX  XXXX debit card , XXXX ID and Driver license, 1 XXXX Bank credit card. 

-Replace all lost documents XXXX Notice from XXXX XXXX XXXX Detective about debit cards ( XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX ) that founded from arresting Jomunrek Gatus at XXXX XXXX Precinct : notify call center about the issue and verify ID. 

XXXX receive letter form Santander Bank . 

XXXX sent the letter provided proof of identity, Identity victim 's complaint and affidavit and NYPD police slip via mail.

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 2020-04-10 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had tried to dispute this bill of {$41.00} but CAPITAL ONE customer service didn't want to listen. Therefore I files a compliant with CPFB # XXXX when I files the charge was more than the amount above so Capital One did credit some. 
I recached out the the merchant last year but never heard back from them, XXXX make the contact for you since its a third party purchase and then the merchant was to contact me but it never happened. The current balance is {$41.00} amount in dispute {$0.00} Interest and {$28.00} late free applied while I am disputing the charge of {$41.00}. 

The actual amount was {$41.00} I called Capital One to dispute again today the chick ask for my DOB after I was identified through automated system. Heck no unacceptable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I received a phone call on XX/XX/2020 at XXXX PST from caller ID 'Jpmorgan Chse ' tel number ( XXXX ). They said they were with JPmorgan Chase and were offerring 0 % interest for a limited time on my current card. They had me wait on the line and this guy picked up and immediately asked for my full name, then asking for my credit card #, and asked if it was Visa or MC, and what my balance was on the card, to see " if I qualify for the promotion. '' They also asked for my bank account number and bank name. I didn't give any information because they were rude and demanding my information. I immediately suspected it's a scam. Please don't fall for this scam and let others know!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: FL

Complaint narrative:
I went over my credit reports and I realized that there are some derogatory accounts that are being reported on my credit. These accounts are false and do not belong to me. I also have no knowledge of who could have gained access to my credit. Now because of this, I have no chance of obtaining any new credit. Please start an investigation into this issue and have these derogatory accounts deleted off 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 2020-04-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: EVERBANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
On XX/XX/2019 I had signed up for a TIAA checking account promotion that was available publicly on there website. The promotion was to open up a checking account and set up direct deposit through your employer with at least {$1000.00} deposited from your employer to qualify for a {$250.00} bonus. My XXXX through my employer was deposited into the account on XX/XX/2019. I was instructed from previous representatives that it would take 3 months to reflect the {$250.00} bonus. After many phone calls and back and forth they said I did not qualify for the bonus because the offer was not meant for the public which is incorrect because I had screen shots of the promotion taken from my computer as proof and now they refuse to honor the {$250.00} bonus even though I had met the terms and conditions of the offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Student loan — Federal student loan servicing
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: Navient Solutions, LLC.
State: OH

Complaint narrative:
I was told by the government that my student loan would be forgiven because I receive XXXX. I sent money to the forgiveness program, and they never applied any amount of money to my account. With saying that, I would like to have the previous amount owed to my students loans erased from my credit report please. This is really hurting me. Please help. I was paying monthly to the forgiveness program. Navient is the company. I have about 7 accounts. All are negative.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: CHARLES SCHWAB CORPORATION, THE
State: NY

Complaint narrative:
XX/XX/XXXX Lost wallet and ID document, SSN, Driver license, Green card , 3 XXXX XXXX XXXX credit card , 1 XXXX XXXX XXXX debit card , Thai ID and Driver license, 1 XXXX XXXX credit card.

XX/XX/XXXX Notice from XXXX  about the Inquiries viewed by others. That have unauthorized account below was open.

1.XXXX XXXX XXXX XXXX XXXX. ; XXXX XXXX XXXX, XXXX, NY XXXX  2.XXXX XXXX XXXX ; XXXX XXXX XXXX, XXXX, IL XXXX  3.Charles Schwab ; XXXX XXXX XXXX, XXXX XXXX , CA XXXX  4.XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX , XXXX XXXX, NY XXXX  -XX/XX/XXXXNotice the call center about the identity theft. The representative explain that account will be frozen during the investigate and will be close after they are finish the investigation.

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 2020-04-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX I received a report on my XXXX  XXXX XXXX dashboard that my credit score was reduced from XXXX to XXXX. Thinking that was a significant drop, I reached out to TransUnion who provides the score too XXXX. After hours on hold, I finally reached an agent who suggested I pay {$9.00} to receive a credit report in the mail. He said that he could see why the number had dropped but was not at liberty to disclose. He said if I paid for the written report to be mailed in 5-7 days, it would be clear why the decrease occurred. 
I paid and waited. I received the report in writing and it provided nothing but good information that all accounts were in good standing. 
I called XXXX  and was told that my credit score was XXXX as of XX/XX/20. 
I called TransUnion back and, once again, was told that they could provide no further information unless I paid ( another {$9.00} ) for a credit score, this time. That information would give me detail. The agent told me I could do it online. I tried but the online process was unavailable. 
This sounds to me like a form of torture ; to someone who takes his credit status seriously. 
Help. 
XXXX 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 2020-04-10 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: OH

Complaint narrative:
On or about XXXX. 2018 my checking & secure credit card have overcharges ... .fraud alerts & just out right people and/or places started stealing money out of my account ... ..like a hotel in Wisconsin charging my secure credit card for a nights lodging when I called & concealed the room ... ..Well Fargo does nothing ... .they always take the company line over my word. 

This has been going on & on .... 
Well Fargo does nothing .... 

I get frauded ever month now since ... XXXX Wells Fargo does nothing Finally this year I filed a complaint with the XXXX  & they almost 600 $ instantly .... 

What is an average man to do?

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 2020-04-10 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:
Inaccurate information on credit report. FTC violation. 

XXXX XXXX  XX/XX/XXXX {$1400.00} XXXX XXXX XXXX  XXXX XX/XX/XXXX {$400.00} XXXX XXXX XXXX  XX/XX/XXXX {$420.00} XXXX XXXX XXXX XXXX  XX/XX/XXXX {$13000.00} XXXX XXXX # XXXX XX/XX/XXXX {$550.00} XXXX XXXX  XX/XX/XXXX {$500.00} XXXX XXXX XXXX {$420.00} XXXX XXXX XXXX XXXX   {$250.00} XXXX XXXX XXXX {$430.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CA

Complaint narrative:
XXXX/XXXX  is listing an open revolving account on my credit report. I have never had an account with XXXX. Furthermore, the original account owner XXXX sold the account to XXXX XXXX who had a third party attempt to collect. XXXX/XXXX  continues to list the account that they don't own on my credit report and thus far my escrow is in danger of failing and I'm losing my earnest deposit and other damages in the thousands.

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 2020-04-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX/XXXX  is listing an open revolving account on my credit report. I have never had an account with XXXX. Furthermore, the original account owner XXXX sold the account to XXXX XXXX who had a third party attempt to collect. XXXX/XXXX  continues to list the account that they don't own on my credit report and thus far my escrow is in danger of failing and I'm losing my earnest deposit and other damages in the thousands.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 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: CA

Complaint narrative:
I received a copy of my credit report and found the following item ( s ) to be errors.

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 2020-04-10 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: AFNI INC.
State: GA

Complaint narrative:
AFNI has violated my rights as a consumer by attempting to collect a debt that is not valid. AFNI violated The Fair Debt Practices Act 15 USC 1692. The violations are : 15 USC 1692b Acquisition of Location information ( 5 ) ,15 USC 1692d Harassment and Abuse ( 2 ), 15 USC 1692f Unfair Practices ( 1 ) ,15 USC 1692g Validation of Debts ( 1 ), ( 2 ), ( 3 ), ( 4 ), ( 5 ). This debt collector has used false, misleading and deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Innovis
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: OH

Complaint narrative:
I am going through a business process for my a new job. I had my credit report pulled and I found all types of errors and bad information on my report the following addresses are not mine please delete/remove : XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX I would like the following numbers removed they do not belong to me : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
I have made multiple requests to Robinhood and multiple complaints regarding the fact that their platform does not show cost basis information. I sold 22 shares of the security " XXXX  '' on XX/XX/2020. At the time I sold the security, Robinhood did not show my cost basis information on this security. As a result, I sold this security at a loss ( {$79.00} a share ), as opposed to the substantial gain I would have booked one week later, ( {$120.00} ). The purpose of this security was to protect my portfolio against losses in the event of a market crash/drop. The lack of correct information from Robinhood prevented me from executing the strategy that was in place. 

Robinhood compliance previously told me that system updates would resolve this error ; e.g. that I should see cost basis information for all securities going forward. This did not happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: TRANSWORLD SYSTEMS INC
State: RI

Complaint narrative:
TransWorld Systems is repeatedly calling my work number and leaving a threatening message. Each time the person I am directed to speak with is different. I do not owe any debts and no commercial company with whom I do my private business would have had my work number as the main number in any case. 

This company is widely viewed as a scam and some online reviews state that calling the company results only in abuse and the continuation of calling.

Company response to consumer: Closed with explanation