vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-04 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On or around XX/XX/2019  and begin to notice unauthorized charges placed on my account and began to contact Wells Fargo regarding the matter. Wells Fargo card services made it very difficult for me to submit a complaint and shame to push me on weather they should close the card out or not for good from me making a complaint in the first place. Wells Fargo is currently being sued for predatory lending and not following fcra guidelines when it comes to identity theft victims. It is hard enough to support myself and my family without Wells Fargo breaking the law and ignoring the fact that once again these charges were unauthorized and needed to be investigated. FFRCRguidelines require that does negative information not be reported to credit bureaus until the matter is resolved. Not only have I submitted FTC reports but also complaints to the Card Services Department many times. Lastly, despite my many inquiries through the credit bureaus and disputes they have failed to realize and comply with the current laws regarding identity theft and unauthorized charges and the reporting of those negatively affected accounts to the credit bureaus.

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
I have an account with MoneyLions in XX/XX/XXXXor possibly XX/XX/2019 I requested a card and a card was sent out to me however I never received that card so another request was put in another card was sent out again I never received that card I was able to create an online account login to my online banking have access to my account and routing numbers as well as link external accounts I just had no debit card. I filed my taxes and request a direct deposit into that Account which is where my stimulus payment went as well and around all this time my phone was stolen and unfortunately my banking app was on my phone as well as logged in so I contacted XXXX  made a report as to the phone being stolen and wipe the device clean however unfortunately it was too late and some of the information had already been accessed and compromised days later I was able to get a new phone And as well have my number ported over which after doing so which was nearly a week later I received a call from as well as text from XXXX  which is a fraud company a third-party I believe through the bank letting me know that my card was suspended and there was fraudulent activity that had occurred on my card at that point I notified them that I did not have a card i then the very next day contacted the bank and filed a claim dispute at which the outcome of that was that a credit would be provided to my account and a new card would be expedited XXXX   as well that upon delivery that verification of ID and signature be required for not only my protection but theres as well however unfortunately I ended up very very sick and in the hospital and as to the card being delivered I have no knowledge of if it ever was or wasnt but What I do have knowledge of is that I was able to log into my online banking activity and not only was all the money compromised from my account but there were fraudulent transactions and the transactions were identical to the prior transactions so I contacted the bank to file another claim advising them of everything that I was aware of and as to me never receiving the card once again Ive now waited 10 days and havent received feedback so today i contacted them again and was able to get through to the supervisor which they are now in process of working on as well as providing a provisional credit however they have put a lock on the account not allowing me any access to the funds whatsoever until the investigation is complete which could be up to 90 days that is unethical and illegal As the federal banking law stipulates they have 10 days to either provide provisional credit or have a resolution as to the investigation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
We ( XXXX XXXX ) and myself ( XXXX XXXX ) were in XXXX XXXX on a cruise XX/XX/2019. We were approached my a woman and convinced her into going into XXXX. They told XXXX that they could remove the bags under our eyes. The operator XXXX would take care of it. I told XXXX I have very XXXX XXXX. He said no problem and I could return it this happens. That night I XXXX XXXX on my XXXX. I have photos of it. I was told the price was {$290.00}. The charge which was processed was {$340.00} on my credit card, that was the first issue. Then another man used something on our necks to remove wrinkles. That was another {$2000.00}. We didn't leave with the products they were to be mailed to XXXX XXXX 's house at XXXX XXXX XXXX, XXXX XXXX, Fl. The next day XX/XX/XXXX in XXXX. XXXX I tried to call them to tell them not to mail the package as I XXXX XXXX from the product. There was no answer nor an answering machine to leave a message. I still have the record of the call on my XXXX. We got back Sunday XXXX late. The first thing Monday XX/XX/2019 morning I called my credit card Barclays Bank to file a dispute on both charges. XXXX also filed a dispute with her bank XXXX XXXX. XXXX also called and spoke to XXXX and told them not to send the products and that we weren't going to accept the package when it comes. The notice came and XXXX took the notice to the post office and marked it REFUSED RETURN TO SENDER. I have all the tracking information from the post office including where they signed for the return of the package. XXXX 's Bank XXXX XXXX credited her back the monies back. I also copies of her credits. 
I also sent all my documents and pictures to the CEO XXXX XXXX of Barclays Bank. I never got a response from him. I got a denial from the dispute department. I wasn't the courtesy of a response from the CEO XXXX XXXX. As a retired XXXX of 31 years I don't understand how one bank protects their customer and the other doesn't. I always protected my customers XXXX has both the products and my monies totally {$2300.00}. I am a recent widow and hope you can help me. I can send you all the documentation. I can't scan it on my computer. 
Thanking you in advance. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Fl XXXX XXXX XXXX cell

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 2020-06-04 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I was trying to trade my vehicle in for a newer model and I was told from my salesmen that I could not make any trade. I asked why and he gave me no explanation. I pulled my credit to myself on XXXX XXXX and there are many unknown, suspicious items I am not familiar with and many inquiries made under my name. I believe someone has stolen my identity and I need these things deleted from my credit report immediately. I have already taken action to prevent anyone else from trying to open anything else under my name.

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 2020-06-04 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
There are two late delinquencies showing on my Bank of America Credit card in XX/XX/XXXX and XX/XX/2019. This card has been set on auto payments for years. The minimum amount due increased and we were not notified as well as the payment did not auto adjust to the new amount as it should have per BOA. 

Both times we spoke with Bank of America on multiple occasions and they agreed that the error was on their side and not mine. They acknowledged that the payment was still made on time per our auto payment but it was for the incorrect amount and that their system should have adjusted the payment to the correct amount since it increased. I have never had a missed or late payment on this account. 

After speaking with multiple people as well as managers at the company they said this should have been removed from my credit and corrected since the error was on their side. We still haven't been able to remedy this with them.

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 2020-06-04 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: TN

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-06-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GLA Collection Company, Inc.
State: FL

Complaint narrative:
Gla collection showed on my credit the XX/XX/XXXX opened XX/XX/XXXX of this year for unpaid medical expenses I checked with my insurance and I know definitely I wasn't in Kentucky last year they have an address in XXXX ky And number I have never had So I was never notified about this till it affected my credit I have yet to receive any kind of receipt for this and they haven't given me the account number

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}

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 2020-06-04 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: AR

Complaint narrative:
I recently for an apartment and I got denied. I got denied. I don't understand why I would be de-nied because my income, rental history, and credit is up to standard. Today I checked my credit report. While doing so I see items that aren't mine. I don't understand what's going on, but these items are not mine and they all need to be deleted from my credit report. XXXX {$54.00} DEPREDXXXX {$11000.00} XXXX {$3000.00} XXXX {$0.00} XXXX {$23000.00} DEPTEDXXXX {$2100.00} XXXX {$410.00} XXXX {$59.00} XXXX {$16000.00} XXXX {$0.00} XXXX {$1800.00} XXXX {$7500.00} XXXX {$1400.00} DEPTEDXXXX {$8500.00} XXXX {$500.00} XXXX {$200.00} XXXX {$450.00} XXXX {$450.00} XXXX XXXX {$870.00} DEPREDXXXX {$11000.00} DEPTEDXXXX {$13000.00} DEPTEDXXXX {$8700.00} DEPTEDXXXX {$870.00} XXXX   XXXX {$710.00} XXXX {$590.00} XXXX {$460.00} XXXX {$4200.00} XXXX {$20000.00} XXXX {$23000.00} XXXX {$17000.00} DEPTEDXXXX {$5500.00} XXXX {$0.00} XXXX {$1600.00} XXXX {$1800.00} XXXX {$200.00} XXXX {$1700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: TN

Complaint narrative:
I have been affected by covid-19 and have additional health problems because of covid -19. Requested mortgage assistance with PHH Mortgage again they are not helping me stop the foreclosure sale date to keep my home. I have faxed my financial and paper work for mortgage help.Talked with several PHH customer service reps and they have not been able to help me. I don't want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: CA

Complaint narrative:
Please see my three previous complaints filed this year. All are for the same issue, which has never been addressed by Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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:
- called in XX/XX/XXXX to request the New York state Covid relief plan ( 90 days all interests and fees waived ). 
- Amex only provided XX/XX/XXXX-XX/XX/XXXX relief, leading to late payments in XX/XX/XXXX - Amex refused to honor the relief for XX/XX/XXXX ( 8 day gap ) and insists on charging late fees

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-04 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: TN

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: TN

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also there are several inquiries on my name. I have not gave anyone authorization to pull my credit. I have took measures to make sure no one try 's to open anything under my name again. Please remove these unknown accounts from my credit report as soon as possible.

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 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: DC

Complaint narrative:
On XX/XX/20 I notice that I had i did not have my Wells Fargo bank card. I logged into my web account and noticed i had so unauthorized charges to my account. I immediately transferred the remaining funds and called the fraud line that was on the website. 
Amounts were XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX  XXXX   XXXX  XXXX XXXX XXXX XXXX On XX/XX/XXXX I was advised by the bank that it was nothing they could do because the transactions were pending and XX/XX/XXXX they advised that they hold no liability.

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 2020-06-04 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: OH

Complaint narrative:
****Hello, My name is *XXXX XXXX* . I have been trying to complaint about incorrect problems exist in my credit report over past year but it has no success. According to my recent credit report request from XXXX, there are several inaccurate name, addresses on my report that might cause really bad effect to my credit profile. I demand removal as they are in violation of the following applicable credit reporting laws : 15 USC 1681623 ( a ) of FCRA/FACTA I am exercising my right to audit your records that claim you have verified to the credit bureaus this debt. 15 USC 168123 ( a ) 7 requires early warning notice ONLY after they have notified said person before it is placed on the credit report. Here are the name and addresses that need to be removed urgently off my credit report : ************************************************ *NAMES REPORTED : XXXX  XXXX XXXX ^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^^ **ADDRESSES REPORTED XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX XXXX XXXX XXXX XXXX XXXX, IN XXXX ************************************* & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & & Please investigate all of the negative collections : XXXX XXXX XXXX Reported : XX/XX/XXXX ** XXXX XXXX XXXX Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXX XXXX XXXX XXXX , Reported : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXX, Reported : XX/XX/XXXX **XXXX XXXX XXXX, Reported : XX/XX/XXXX and all of the hard inquiries : XXXX XXXX XXXX Inquiry : XX/XX/XXXX Auto Financing  Contact the inquirer : MAIL ONLY _XXXX XXXX  XXXX Inquiry : XX/XX/XXXX Auto Financing XXXX XXXX XXXX Inquiry : XX/XX/XXXX Miscellaneous Reptg.

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 2020-06-04 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: GA

Complaint narrative:
to whom it may concern ; I check my credit and notice some fraudulent Activity on my credit I have no knowledge of these Accounts nor did I give anyone authorization to open any Accounts. This is fraud. I would like to place a fraud alert on my credit so that this will not happen to me again

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: PA

Complaint narrative:
XX/XX/XXXX, tried linking my debit card to the app XXXX  to save money on the change difference of when i use my card to save for the future but PNC is denying access to the app XXXX  even though I logged in and tried to grant permission to use. This is my money at stake here and I'd like to use it for how I want to save. Please allow access to the app XXXX  so I am able to link my debit card to use to round up and save my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-04 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: CITIBANK, N.A.
State: NY

Complaint narrative:
On XX/XX/XXXX, XXXX  XXXX processed a refund in the amount of {$330.00} to my closed Citi credit account ending in XXXX ( see a confirmation email attached ). The account was closed by Citi in XX/XX/XXXX. On XX/XX/XXXX, I contacted three different Citi representatives ( including one supervisor ) asking them to access the account and verify the receipt of the refund. All three Citi representatives stated that this account was not in their system and that there was no way for them to locate this refund. I offered to provide a copy of my credit card agreement or my old statements to help locate the account. They refused. I'm attaching my old credit card statement and my credit card agreement to this complaint as well.

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