vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This complaint is towards my treatment with Wellsfargo. 
I opened a checking account and a safety deposit box at the following Wells Fargo location:XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX. 

Due to Covid-19 the bank has temporarily closed. I needed access to my safety deposit box. I was finally given an appointment for Saturday XX/XX/XXXX. I live in XXXX XXXX while my safety deposit box is in XXXX XXXX ( my former residence ). I booked an airline ticket, hotel accommodations, etc. However, when I appeared for my appointment, no one was at the Bank. 
The bank apologized and rescheduled me for XX/XX/XXXX. Again I booked an airline ticket to travel to XXXX XXXX + hotel etc. and I appear for my second appointment and again no one was at the bank. 
The bank manager informed me that she was busy and that someone called out sick and therefore she decided not to show-up. No sympathy was shown. They did not care for the fact that I spend so much money to travel twice just to get into my deposit box. 

I scheduled a third time for XX/XX/XXXX. Then again bought a ticket and booked traveling accommodations and I was finally able to access the box which I pay Well Fargo. 

On XX/XX/XXXX I receive a letter stating that Wells Fargo will be closing my accounts effective XX/XX/XXXX. 

This is in retaliation for their own incompetence. Now I have paid Wells Fargo and I have an agreement with them for my safety deposit box until XX/XX/XXXX. Yet, they do not care, nor do they give an explanation as to why they are closing my account.

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 2020-08-25 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XXXX XXXX Address : XXXX XXXX XXXX XXXX, OR XXXX Phone Number : XXXX XXXX Account Number : XXXX Data Submitted : XXXX Data Submitted : XXXX The months of XXXX and XXXX. I could not pay the minimum fee. 

Because I was unemployed and I quarantined. Because I Affected by Natural or Declared Disaster e.g. COVID-19. 

I called 2 twice to XXXX XXXX-XXXX explaining the reason. 

Data Submitted : XXXX Data Submitted : XXXX XXXX XXXX put in the credit bureaus Potentially Negative. 

Payment History Legend XXXX and XXXX - 30 Days Past Due I made two disputes in the credit bureaus, explaining the reason and XXXX XXXX-XXXX does not remove Potentially Negative. 
Data Submitted : XXXX Data Submitted : 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 2020-08-25 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Pendrick Capital Partners
State: CA

Complaint narrative:
Pendrick Capital Partners LLXXXX has used XXXX XXXX XXXX XXXX in XXXX of XXXX and now XXXX XXXX XXXX , XXXX to collect a false debt. In XXXX of XXXX I sent XXXX XXXX XXXX XXXX and Pendrick Capital Partners LLC letters and invoice copies that showed that this debt was paid by my insurance company. Now in XXXX of XXXX this other company XXXX XXXX XXXX XXXX is trying to falsely collect the same exact amount and date for Pendrick Capital Partners LLC.  This debt was paid long ago and I am writing to this new debt collector, but I would like to fix where they are getting this false information. Do they buy lists of false debts in order to harass consumers? I believe this to be so, because after solving this with one company a new company has the same information, that is false.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
On XX/XX/XXXX I submitted my dispute for XXXX/XXXX and bank statement showing that I paid the collection agency ( XXXX XXXX  ) for this creditor ; therefore this balance should be XXXX. However on XX/XX/XXXX Experian continued to report this debt on my credit as charged off. This shows that they did not do a proper investigation and continuing to not follow FCRA guidelines after me providing proof. Attached is proof of payment and dispute letter

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 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: APPLE RECOVERY SERVICES CORP
State: PA

Complaint narrative:
On the XXXX of XX/XX/XXXX we received a letter from Apply Recovery service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from XXXXXX/XX/XXXX back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XXXX of XXXX and the XXXX of XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I sent out my complaint to TransUnion on XX/XX/XXXX for the following inquiry XXXX/ XXXX XX/XX/XXXX XXXXXXXX XX/XX/XXXX XXXX/XXXX   XX/XX/XXXX I have not Received any documents in a timely manner towards 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 2020-08-25 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Convergent Resources, Inc.
State: OK

Complaint narrative:
My ex husband opened and charged a phone plan through XXXX in my name-this was around XX/XX/XXXX. I was not notified, or didnt receive notification that this account was charged off until after divorcing him, around XX/XX/XXXX. I had disputed this with XXXX and cited the above statement, but didnt hear anything further regarding the matter, negative or positive. 

2 weeks ago, I opened a new credit line. As a result, I received a letter from a 3rd party ( Convergent ) today stating that the debt still hasnt been paid but theyd settle for {$1000.00} This debt is 8+ years old and shouldve been removed already, much less the debt was created illegally anyway.

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 2020-08-25 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: IL

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
*** Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

Experian and XXXX credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: CT

Complaint narrative:
An item arrived late and damaged, purchased from XXXX XXXX, card issued by Comenity Bank, complaints filed directly against the merchant in regard to late arrival and damage, remains unresolved. I have copied below the complaint filed against XXXX XXXX XXXXor Comenity Bank reference. Images of damage were attached via secure message through XXXX XXXX  website, their rep requested more photos which I do not have. I would like to dispute the purchase due to late arrival and damage, if possible.. The purchase was made on XX/XX/XXXX in the amount of {$850.00}, a XXXXXXXX XXXX XXXX. The damages include scratches and while they are cosmetic in nature, may lead to the unit later cracking and loss of use. I informed their rep of late arrival, did not seem to care my time was wasted when I was not moved into the address at the time, did not care to address it ... Complaint is copied below.. 
Order XXXX showed scheduled to arrive between XXXX and XXXX XXXX on XX/XX/XXXX I believe, do not have tacking number or information available to me at this time. As I explained to several reps on XX/XX/XXXX as well as on XX/XX/XXXX, XX/XX/XXXX, I was in the process of moving to my address currently, not fully living there. Needless to say, I had to make a trip back to the address on XX/XX/XXXX at XXXX, waited until XXXX and no one showed up or called me.. I called the following day, on XX/XX/XXXX, was given the number to the driver whom I had trouble reaching, had to call several times and sent several texts before reaching him, only to be told delivery would be later between XXXX and XXXX XXXX ... Needless to say, I had to make another trip to address for delivery around XXXX at night.. After moving in on XX/XX/XXXX, I discovered the glass burner has several scratches on it, I called in same day and rep would not address late delivery/poor service issue ... She supposedly opened a claim for damage and emailed me claim number to upload pictures of damage, no email received as of yet ... As you can see, the service with this company is very poor to say the least and their XXXX score of 3.8 shows it, they seem to have a decent number of negative reviews.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I requested TD to removed the forbearance status of my mortgage loan. I brought my account up to date on middle of XXXX. Account was placed in forbearance status because the hardship I was facing becase of Covid-19. 
On same day XX/XX/XXXX, I was informed by a TD Bank representative the account would be removed from the forbearance status after I make the first payment on XXXX. I did it. 

Arbitrarily TD Bank place my account in forbearance until XX/XX/XXXX. Let 's be clear the account is up to date. 

I decide to reach out to XXXX XXXX  since they are the ones who has the mortgage. I was assigned a case number and they are escalating the case to XXXX because TD Bank can not refuse to remove the forbearance of my account, when I am up to date with my payments. 

Account was placed in Forbearance on XXXX paid in full on middle of XXXX. On XX/XX/XXXX request was made to be removed from the forbearance status. Still, TD Bank is refusing to change the status. 

I have emails to prove it, but I couldn't up loaded because of the size allowed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: TX

Complaint narrative:
On XX/XX/2020 I was charged {$3000.00} by a company thru an ACH transaction. No mercandise was ever reveived for this charge and I first informed the seller and then when I got nowhere I raised the issue to my credit union, Navy Federal Credit Union, in early XX/XX/2020. I then raised it again in early XX/XX/2020 and finally via phone in late XXXX after no prior response from the credit union. 

They have not responded to ANY inquiry either by phone, secure bank messaging system, or US mail.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
Purchased a new vehicle thru XXXX XXXX XXXX. Agreed to finance thru XXXX XXXX. Approved by XXXX and took delivery. 

Four days later, received a letter from Capital One saying we were turned down for loan. We never asked to apply to Capital One. Dealer never mentioned Capital One or that they were going to apply. Never signed a credit application for Capital One. 

This hard inquiry will negitively impact my credit score. I never requested a loan from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: HYUNDAI CAPITAL AMERICA
State: CA

Complaint narrative:
On XXXX XXXX my husband had i car accident they maid the car a total lost i had gap on my car just found out by Gap my car was over fiance over 150 % of the car value. Kia Finance never informed me about that information.I perches the car XX/XX/18. I was inform by XXXX XXXX ( GAP ) Company that when they did the surcharge they notice that the car was over fiance.

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 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On the XX/XX/XXXX we received a letter from XXXX XXXX service about a debt that they are claiming that we owe XXXX of a debt we never took out. My husband 's father and him self have over the years when he was alive have had each other 's credit history listed under their SS #. We never had a credit card from Wells fargo back in XXXX and never paid on it over the next five years that they are claiming. We have spoke to the company on the XX/XX/XXXX and the XX/XX/XXXX and they said well your name is on it then you have to pay it. Explained to them that this is possibly my father 's in law account and he passed away back in XXXX. What do we do next????

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 2020-08-25 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/XXXX, My wife and I flew back from XXXX XXXX XXXX, Utah back to XXXX XXXX, California. - I returned the vehicle at XXXX ( I have photos of when I dropped off the vehicle with time stamps, baggage receipt from the airline, XXXX receipt from XXXX to home. ) JP Morgan Chase Credit Card sided with XXXX XXXX XXXX XXXX citing that I approved such charge when I didn't. The Vehicle was rented from XXXX XXXX XXXX XXXX in XXXX XXXX XXXX airport. 
My original reservation was for {$330.00} ( XXXX ) XXXX did not check my vehicle back in till XX/XX/XXXX at XXXX and charged my credit card {$1000.00} - I have since submited tons of proof to XXXX and they have yet to get back to me. In the meantime, I am on the hook for an extra {$760.00} plus interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 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:
This is not a Third Party. I am requesting that the following accounts be removed. 

XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX/XXXX is fraudulent on my credit Account # XXXX. 
XXXX XXXX XXXX is fraudulent on my credit Account # XXXX. 
*** Inquiries from XXXX XXXX, XXXX XXXX and XXXX. 

XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-25 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: NY

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX  XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX Experian and XXXX   credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Knight Adjustment Bureau
State: UT

Complaint narrative:
Debt collector advised I owed more then I was supposed to pay. My debt was included in a bankruptcy chapter XXXX, but I signed a reaffirmation agreement for a lower amount. The debt collector used the original debt agreement instead of the reaffirmation amount I was supposed to have paid. I wanted to just be over it, so I made payments. On my credit report it is showing paid off, but on the website for the collection company I'm still owing XXXX. They told me I owed around {$1000.00}. It got sent to the court and they ruled the amount was only around {$300.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Purchased a new vehicle thru XXXX XXXX XXXX. Agreed to finance thru XXXX XXXX. Approved by XXXX and took delivery. 

Four days later, received a letter from XXXX XXXX saying we were turned down for loan. We never asked to apply to XXXX XXXX. Dealer never mentioned XXXX XXXX or that they were going to apply. Never signed a credit application for XXXX XXXX. 

This hard inquiry will negitively impact my credit score. I never requested a loan from 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 2020-08-25 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: NY

Complaint narrative:
This is not a Third Party. I am requesting that the following accounts be removed. These are fraud, I didnt benefit, apply for, and authorize these accounts. 

XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX   XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX, XXXX is fraudulent on my credit Account # XXXX XXXX   XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX XXXX is fraudulent on my credit Account # XXXX XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2020 I received an email from Capital One that they were cutting my credit limit in half due to non-usage. I have used the card responsibly since I have had it, paid on time, etc. I called to ask for this to be reversed since such a move will have an adverse effect on my credit score but they refused to change policy. We are in a global pandemic where people are most vulnerable this is not the time to play games with peoples credit and ability to interact with the economy!

Company response to consumer: Closed with explanation