vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-10-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I complaint is the following against Wells Fargo 's response to this federal agency and to me. 

One : In the response, Wells Fargo mentions that it waived the interest charge. This was only done because it told the supervisor on the XXXX that I believed the account to be closed. He then waived the charge and proceeded to close the account. Wells Fargo makes it look like it was a charity and good will on their part. The whole story needs to be explained. 

Two : The author of the report did not listen to the entire call. This is a very important disclosure that should have been mentioned and reported in the report. This above fact in all honesty negates the report and incomplete and in accurate. 

Three : The report states that they representative told me that their was a request on th XXXX for the closure. Again not the whole story. The fact is that I called Wells Fargo mad as XXXX that the account was still not closed several days later. I was assured by the supervisor that the account was to be closed later that day. I was mad because the two requests did not happen. This is not in the report. I brought up the fact that I made the request for this account to be closed not once but twice not the Wells Fargo employees. 

Four : The lady in the executive office told me several times that they account was not closed in fact it was still open. She then went on to ask me if I still wanted the account open. This statement would not be made if she was aware of any closure requests because that would be a red flag to do more research to make sure that account was in progress to be closed. She further went on to ask if I wanted a replacement card and a new pin number. I told her that I wanted to account to remain open, but I thought that since I made the account to be closed request that it could not be reopened per Wells Fargo 's own policy. She assured me that it was open and their was nothing there to stop me from getting a replacement card and that I should receive that replacement card later. These facts are not in the report any where. 

Five ; Why are these people making misleading statements to a federal agency still employed by Wells Fargo? 

Six : Why are their 10 different letters from Wells Fargo employees on this complaint that states 10 different opinions? 

Seven : Why is not one employee and one department working on this complaint? 

Eight : The confusion about this complaint is not mine but on the shoulders of Wells Fargo. 



Thanks 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 2019-10-10 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: IL

Complaint narrative:
Hello, I reaching out to you all again, I'm not sure if you received my information. I contacted the police and FTC about this situation. I went to the car dealership to try and buy a new car. I was denied the loan because of bad things on my credit I went and got my credit report done and there were several things that were not mine. I need those things taken off quickly, they are affecting my credit. XXXX XXXX, XXXX, 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 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My debit card was used for an unauthorized transaction at XXXX XXXX, I reported the transaction to chase bank and told them it would be impossible for me to charge that amount- my card was charged exactly for the amount leftover in my account. I was not in the area at all, the date the charge was posted I was at work and did not notice until after. They started the " investigation '' and I just got off the phone with a chase bank representative and was told that because it was a chip transaction I had to be there. I repeatedly insisted that I was not there and they told me because my card was previously in my possession and not missing there was not much that could be done. I did not buy shoes and I was not there when this was charged to my account, now I have to reach out to XXXX XXXX and see what I can do because chase was unable to help me

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: CITIBANK, N.A.
State: TX

Complaint narrative:
My wife was on a business trip that I accompanied her on to Northern Ca. We stayed the night before in XXXX XXXX, Ca., in one room and used our Citi Card. We made reservations the next night online for the XXXX XXXX, when we arrived, we were given only one choice of an upstairs room that was available, difficult being a senior and lugging suitcases, but we took the room, enjoyed 1 night there and check out in the morning. We've called the Hotel to dispute and they have a booking service that made duplicate reservations. As you can see one of them is the wrong spelling of our name. Regardless, we checked into and used 1 room, it's obvious we wouldn't have needed 3 rooms and if we had 3, why weren't we given options on check in? I've taken this up with CIti and they are absolutely no help, they just send an inquiry and then charge you. 

This is the second time I've had an issue with Citi Card on a fraudulent charge, last time they did not remove the charge and now it's happening again. Long time card holder, excellent credit score, Veteran and would appreciate any help with this.

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 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI

Complaint narrative:
submitted a method of verification request on XX/XX/2019. Received no response. I followed up again on XX/XX/2019, allowing the company another until XX/XX/2019 to respond. To date XX/XX/19 I have received no response regarding the method of verification. Instead of returning method of verification information transunion responded with new credit report dated XX/XX/19 # XXXX stating that item is accurate. Their evasive actions in violation of the FCRA guidlines which was 15 days of receipt to supply information.

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 2019-10-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Olde City Financial Inc.
State: NJ

Complaint narrative:
This person ( XXXX ) continues to call my cell phone when I have continuously told him that I am not the person he is looking for. I said if he knew who he was looking for he'd have the correct number, or he could XXXX the business number of who he was looking for. He just kept trying to go off on me to '' justify '' calling and not leaving me alone even when I kept saying that I am not who he's looking for. 


Dates called : XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: SIMM Associates, Inc.
State: CA

Complaint narrative:
Simm Associates claims to be collecting on behalf of XXXX XXXX XXXX, but has failed to verify the alleged loan debt they are attempting to collect. They have also been harassing me by calling 4+ times every day while I'm at work. They're demanding full payment of the $ XXXX debt or $ XXXX settlement by the end of XX/XX/2019 or they will take legal action against me. I refuse to make a payment without written verification. The constant threat of legal action is causing extreme stress and is having an impact on my capability to do my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The following was sent to Chase on XX/XX/2019 : INSUFFICIENT FUNDS FEE FOR A {$93.00} ITEM - DETAILS : XXXX PAYMENT INSUFFICIENT FUNDS FEE FOR CHECK # XXXX IN THE AMOUNT OF {$1600.00} I've attached two screenshots from my Chase mobile app. The first XXXX XXXX XXXX clearly shows the XXXX payment pending with a positive balance {$680.00} AND Check # XXXX NOT pending. 

The 2nd attachment XXXX XXXX clearly shows a positive balance {$670.00} and, again, Check # XXXX NOT pending. Again, the date and time is XXXX XXXX, 2019 at XXXX XXXX 

This lead me to believe I didn't need to transfer money into the account. Which I subsequently did on XX/XX/2019 in the amount of {$1500.00}. 

At some time AFTER XXXX XXXX on XXXX XXXX,XX/XX/2019 Check # XXXX was debited from the account as of XXXX XXXX,XX/XX/2019 

In a word, this just seems ... wrong.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-10-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
This is an Identity Theft, Fraud, Forgery, mail theft case filed and documented by the FEDERAL TRADE COMMISSION, POLICE AND POSTAL INSPECTOR. On XX/XX/19 I received a call at aprox XXXX am from XXXX at Bank of America. XXXX asked if i was me ( my name ) I stated yes. She asked if I had opened 2 bank accounts online. I stated absolutely not! XXXX proceeded to tell me 2 joint bank accounts were opened online on XX/XX/19 using my name and a person named XXXX XXXX. told her this is fraud, Identity theft and shut this down now. I also told her I do not nor have I ever known any person by this name. She transferred me to the fraud department I spoke with a person by the name of XXXX she stated a pre printed with my name and information solicitation type loan offer check from XXXX XXXX company was deposited into these fraudulent account via an ATM machine. I told her to shut this down it is fraud and identity theft. She stated 2 debit cards were ordered sxpress to my address. I immediately went home to my postal box and discovered via the United states post office there had been neighborhood wide vandalisum, mail theft, master key theft .... Immediately filed with the federal trade commission, police, postal inspector and sent Bank of America all reports and a letter to SHUT DOWN any accounts in my name!!! They continued to leave these accounts open. they continued to allow this fraud and identity theft, continued to send me mailings of these fraudulent account and stolen check forgery, fraud identity theft! they opened this fraudulent account with no Identification of mine, allowed identity thieves to deposit a stolen forged check into an ATM Machine with no identification! check states clearly 2 FORMS OF ID REQUIRED! signature is not mine, email is not mine, phone number not mine, birthdate not mine! 15 calls to BANK OF AMERICA and i still do not have a letter clearing this account and stolen mail check fraud! they should be shut down once and for all.

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 2019-10-10 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 would like to request the suppression of the following items from my credit report, which are the result of my falling victim to identity theft. This information does not relate to [ transactions that I have made/accounts that I have opened ], as the attached supporting documentation can attest. As such, it should be blocked from appearing on my credit report pursuant to section 605B of the Fair Credit Reporting Act.

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 non-monetary relief
Consumer complaint received 2019-10-10 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: Ocwen Financial Corporation
State: CA

Complaint narrative:
On XX/XX/2017, Ocwen Loan Servicing removed the so-called mortgage account from all three major credit reporting agencies and then responded to my CFPB complaint explaining why Ocwen agreed to delete the account from all three major credit reporting agencies. I attached Ocwens written response to CFPB but I am holding on to XXXX XXXX written response directly to me so it can be used in litigation when I file a new lawsuit against Ocwen and PHH for causing me further harm. Ocwen transferred the loan to PHH who is working in-cahoots with Ocwen. PHH and Ocwen are pretender lender loan servicer 's who are making errors intentionally reporting the so-called mortgage loan back on all three major credit reports intentionally reporting inaccurate information to slander my credit so the pretender lender loan servicer 's can cause me more extreme harm after we settled our dispute in litigation. I have made several attempts to get access to my mortgage statements on PHH website but was unable to. I made several attempts to speak to a live PHH representative but was unable to. PHH and Ocwen both once again attempting to pull another scheme on me. Ocwen and PHH are both intentionally selling my personal information to 3rd parties so they can harass me and rip off my home. I am paying my mortgage payments blind folded because I do not know what payments are due after Ocwen intentionally did not cash one of my mortgage payments during the time Ocwen transferred the shuffled up loan file to PHH. I recently disputed the PHH loan reporting on my credit two times but the PHH minions keep slandering my credit reporting inaccurate information to cause me harm. I have no option left other then to file a lawsuit against PHH.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
There are two additional social security numbers attached to my credit file that do not belong to me. I tried to dispute the additional SS # 's but I was unable to do so without signing up for a product or service of some sort. I have been denied credit increases, had debt added to my credit file and disputes denied because these additional socials that do not belong to me. I shared that I was a victim of identity theft on my credit file, however, the credit reporting agencies keep attaching debt that does not belong to me. I recently had experian remove a debt for over {$7000.00} from the social security administration - I had never been pursued for that debt or received any information by mail or phone call about it, it just showed up one day. I am not sure how many of these accounts are EXACTLY the same as this one.

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 non-monetary relief
Consumer complaint received 2019-10-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: IL

Complaint narrative:
I made an APPOINTMENT at US Bank, XXXX XXXX XXXX  XXXX XXXX, Il XXXX, with branch XXXX XXXX XXXX for XXXX pm on XXXX. I was there to obtain a medallion signature guarantee and fax surrender documents on a variable annuity. I arrived at the bank on time and sat down at XXXX XXXX 's desk. I at once explained the purpose of my appointment and displayed the documents that I was told to bring when I made the appointment ; the proof of ownership and the surrender documents.. I explained that I needed to obtain the signature guarantee and have the documents faxed BEFORE XXXX pm as the market closes at that time. I wanted the surrender to be received and executed on that day of business ; XXXX. 
XXXX XXXX began a lengthy dialogue covering many topics and did not seem to grasp the urgency of the situation. At XXXX pm he told me that I did not bring all needed documents to complete the process. Now, somewhat in a panic, I told XXXX XXXX that I could run back to my house, retrieve the required form. and be back in XXXX minutes, He assured me that he would wait for me and when I returned, we would complete the process. 
I arrived back at the bank at XXXX pm and to my astonishment, XXXX XXXX had another customer in his office. At that time, the bank had 2 tellers and another banker available and very few customers. I believe that the other employees could have assisted that customer. 
I was finally able to again sit down with XXXX XXXX and completed the medallion signature process at XXXX pm. The documents were faxed at XXXX pm. My surrender was therefore executed on XXXX instead of XXXX. The annuity was a variable instrument and followed the stock market. The stock market decreased dramatically on XXXX and therefore my account value decreased from {$170000.00} down to {$170.00}, XXXX ; a decrease of {$1200.00}. All of the documents that I had prepared were filled out correctly and the surrender was executed. 
I feel that I have lost {$1200.00} directly due to XXXX XXXX 's, actions. When I initially sat down with XXXX XXXX, I immediately communicated to XXXX XXXX the time frame that I was working under and the documents that I brought with me. He did not tell me at that point that I needed another document. This was a set, confirmed appointment, not a walk-in, chance meeting. The appointment had not been completed and I should have been able to return to the bank and see XXXX XXXX without interruption.. 
I have since communicated with XXXX XXXX and also his retail district XXXX, XXXX XXXX XXXX. They take no responsibility for my loss and actually believe any fault lies with me for not bringing the document that was required. 
I am a retired XXXX Bank employee and customer. I strongly believe that XXXX Bank owes me {$1200.00}.

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 2019-10-10 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: NC

Complaint narrative:
EQUIFAX NEEDS TO RESOLVE THIS IMMEDIATELY AND REMOVE THESE ENTRIES FROM MY REPORT!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 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: EQUIFAX, INC.
State: CA

Complaint narrative:
The credit bureaus are reporting inaccurate/outdated/incomplete personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-10-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Ocwen Financial Corporation
State: SC

Complaint narrative:
I obtained a second mortgage from American Home Mortgage XXXX XXXX on XX/XX/2007. Few months after obtaining the mortgage. American Home Mortgage went bankrupt and can not get a hold of them anymore. MIN number is XXXX and the property address is XXXX XXXX XXXX, XXXX KY XXXX. 

Shortly after company went bankrupt, we paid off the loan to the bankruptcy trustee. 
I want to sell the property now and the title is still encumbered with the lien and I can not get a release on the lien since company does not exist anymore for a decade. 

I would appreciate your help to get this lien removed from my property. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation