vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-06-26 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: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo bank company use Social Security card number to open a personal credit card on my credit profile for XXXX XXXX XXXX and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. Wells Fargo also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted Wells Fargo and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.

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 monetary relief
Consumer complaint received 2018-06-26 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: NY

Complaint narrative:
I have a block on my credit report, I am trying to build my credit and I am sorry to say that I also have family members whom will use my name and information for their own personal gain, which I will all my information and service go to a separate address. As I said before I am trying to build my credit so I can buy a home ... however when I access XXXX XXXX I see all these inquiries on my credit I never authorized. I havent request or authorized any access since 2015 so all inquiries on my report should be gone but I have lots. I thought maybe I had removed the block but when my broker tried to access my credit he told me of the block on all 3 reporting companies ... so how was my records accessed so many times. I shouldnt have any new creditors after 2015 as well. So any and all information should be removed,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Since the beginning of XX/XX/2018 there has been a significant drop in my credit score by all three agencies. All my debts are paid off or current. I have no collections and trying purchase a home. I went from having XXXX with experian to XXXX, XXXX   drop 30 in 2 weeks and same with XXXX. I do believe that i am being unfairly targeted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
XX/XX/XXXX, at XXXX XXXX my friend attempted to wire me money for yesterday ( XX/XX/XXXX ) 's dinner through this application called XXXX. However, my friend notified me that an error prevented me sending the money to me, please see photo # 1. At XXXX, I tried to request money from my friend, then a message popped up saying my account has been frozen, please see photo # 2. At XXXX I called XXXX customer service and filled a claim with XXXX XXXX , please see photo # 3. I did some research online and found out that many people have experienced the same situation, I decided to close the XXXX account and withdraw the money, but it did not work and XXXX indicated that I have paid all my balance to XXXX, please see photo # 4 & 5. XX/XX/XXXX, XXXX, I received any E-mail from XXXX XXXX at XXXX saying that my account has been permanently deactivated, please see photo # 6. At XXXX, I spoke with XXXX XXXX from XXXX and filled another claim, I was informed by XXXX XXXX that the money in my account will not be returned back to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
My fianc was hurt on his job and we fell behind in bills, I had to choose between keeping roof over my head and food in the home of pay off my credit card bill. my balance on my chase card at the time I believe was {$5000.00} on one card and XXXX on a 2nd card I signed up for monthly payments so I wouldnt destroy my credit and I can pay down my balance somehow that program didnt go info affect and now my balance is almost {$10000.00} and all the payments I made didnt add up to anything,

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: LOBEL FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX I received a letter from the finance company that I had no insurance on my car. I have had insurance since day one. I have had no lapse in it at all. I have faxed several times to the company and emailed. Along with the insurance company, the company and agent. I have called about 10 times to tell them the declaration has been sent. I have asked to speak with a manager and still nothing has happened. I have been told last week that it was manually put into the system but nothing has shown. I called once more XX/XX/2018 before XXXX XXXX. I asked if it showed that I have insurance and no. The person on the phone says no. I have been told there is no proof of insurance and they have the added insurance to the bill. I go online and it is now the 2nd month it has been added. I pay them at least 2 weeks in advance for the car loan. I can not get an answer from anyone or a call back. I had the agent also fax and email them. Nothing. I can not have this sent to collections for the insurance they added but do not need. I need help in getting this taken care of and they have not been helpful in resolving this. This is the XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
XXXX XXXX bank company use Social Security card number to open a personal credit card on my credit profile for XXXX Trans Union and XXXX. They can close the account out with remark saying account closed by consumer. Resulting in downgrading my credit. XXXX XXXX also close three accounts of checking business checking and savings and reopen them to further their portfolios. I've contacted XXXX XXXX and have nothing but run around with entry-level position people at the call center is what language barriers. If I were to use on my Social Security card number open a credit card committing fraud I would go to jail nobody has gone to jail.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: VA

Complaint narrative:
I borrowed {$62000.00} in XXXX my mortgage company is Ocwen. I sold the condo XX/XX/XXXX. I just received the final payment for {$65.00} taxes, I don't even know? 
I borrowed {$62000.00} and just paid the loan off of {$58000.00}. I made the payment of {$440.00} for 13 years and 10 months. I feel XXXX financially. Please help me if you can. Financially XXXX. 
Thank you, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a client with Citibank for over 30 years. My wife and i have a joint checking and savings account. In XX/XX/2018 we received notification of a Know Your Client program at Citibank, which honestly appeared as if it were a scam. I went into a branch and after checking with the branch manager, and being assured it was real, answered the questions over a telephone line clearly outside of the United States. I felt the questions were quite intrusive ( including employment information, salary information, etc. ). My wife had received the same correspondence. We assumed since it was a joint account with my name listed first, because I had answered the questions no further action was required. On XX/XX/XXXX we went to withdraw funds and discovered our account had been frozen. We immediately called, found that they needed the same questions answered by my wife, and we immediately provided the information. We were promised the account would be unfrozen. In the meantime, the bank bounced all of our checks and we had no access to our funds or to make transfers. During the ensuing four weeks, we have called daily and lodged complaints, and requests for the accounts to be unfrozen, all to no avail. We still have no access to our funds or our 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 2018-06-26 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: EQUIFAX, INC.
State: CO

Complaint narrative:
Equifax continues to publish inaccurate information They were provided with a police report and various statements. Drivers License and Social Security card. I have continued to dispute various credit which was covered by identity fraud. I have never lived in Georgia. XXXX XXXX accounts are not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My account was closed because someone stole my checkbook and tried to deposit the checks into my account. Wells Fargo closed my account after I called in telling them that I did not do this. 

They told me I would be able to open another account after the account was fully closed. I have since been denied to open another account. 

I was told i am ineligible until further notice.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Account Resolution Corporation
State: MO

Complaint narrative:
Ive requested from Account Resolution Corporation now three times, in writing, for proof of debt and that they are authorized in state of Missouri. The first time they sent me back an amount written on a piece of paper, the second time they provided me a statement Ive never seen. They have never provided me with documentation I required. Meanwhile I do not recognize the place of business they are collecting on behalf of ( its also less than {$50.00}! )

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Transfinancial Companies, Inc
State: LA

Complaint narrative:
Dipusted two accounts by Transfinancial on XX/XX/2018. I have no knowledge of these accounts. I disputed the accounts with amounts {$2000.00} & {$61.00} via certified mail. The company sent back ( XX/XX/2018 ) a reply that did not validate, break down the debt, or contain my signature. The FCRA gives the company 30 days to allow me to validate the alleged debt. Transfinancial failed to supply me with rightful information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against Mercantile for Mercantiles failure to provide requested information for the debt alleged. Consumer,  XXXX, received a demand letter from creditor, Mercantile. On XX/XX/XXXX, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XX/XX/XXXX, Mercantile responded providing only statements. On XX/XX/XXXX, XXXX sent another letter requesting more information, specifically information which shows ownership, as Mercantile is not the original creditor. On XX/XX/XXXX, Mercantile again responded with the same information as its XX/XX/XXXX letter. 

Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
Back in 1999, I started to attend a technical school, I went for one week and got job, So I did not return to the school and went to work instead. So now I am being held responsible in paying at least XXXX back for the loan. The school no longer exist, it hasn't in a very long time.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I was looking at setting up a XXXX account and they said that they would have to pull my credit is that OK? I said Id rather not I just got a car so I already have some inquiries on my account the guy said OK thats fine I have a way to do that let me ask my supervisor and grab the form I need he asked me five questions about my credit history and was able to tell me right away that I was in the clear for an account. however several days later a hard inquiry is now popping up on my account that I specifically did not authorize. I reached out to XXXX and they didnt know how to help me they said to reach out to an agency. I submitted a dispute to Equifax and it came back as a normal inquiry of course because they didnt have any background on its I need to take it off my credit because I did not authorize it and it is affecting my credit which I have worked very hard to build. My call is probably recorded I am sure that XXXX could verify that I did not authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
About a month ago I requested to change the address for a credit card in my name that is for a XXXX XXXX that I serve on its XXXX. I was initially told that it could not be done without another XXXX members okay. I subsequently found out that the address for the credit card statement was in fact changed however to my personal address. When I attempted to fix this I was again told that I could not accomplish this without another Board members okay. However within an hour of this as I was directing another XXXX member to assist me in this change I received an alert that all of my personal account documents were going to be forwarded to the XXXX XXXX that is in another state. I immediately contacted another bank representative and was told at the conclusion of my conversation that all was corrected. A day later I received another notification that my personal credit card statement was to be forwarded to the XXXX XXXX. Because of the continued incompetence of the bank representatives via telephone conversations I decided to visit my local bank representative and at that time she corrected all the previous mistakes. 
My concern in this situation was that had I not kept on top of this my personal banking and credit card documents would have been accessible by someone that I did not provide access. 
My initial conversation occurred in XX/XX/2018. My subsequent conversations were on XX/XX/XXXX and XX/XX/XXXX. I visited the bank personally on XX/XX/XXXX. On XX/XX/2018 I was contacted by an executive with the bank and I reiterated all that I have mentioned above. When I asked what would be done I was told that they would investigate and take necessary action. I then asked that a letter be sent to me describing what was done and to acknowledge our conversation and was told that the bank would not do that. 
The bank is Wells Fargo.

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 2018-06-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Comerica
State: AZ

Complaint narrative:
In XXXX I was asked to guarantee a loan for the company I worked for - XXXX   XXXX XXXX. The amount was {$44000.00} to guarantee to Comerica Bank. XXXX told me it would only be for a few months. I left the company in XXXX as XXXX brought in new management. I received letters from Comerica that they were going to send my money to unclaimed funds for non-activity. I withdrew {$40000.00}. In XX/XX/XXXX Comerica threatened to sue me if I didn't return the money. I did. In XX/XX/XXXX I received a letter from Comerica stating that XXXX had defaulted on its loan and they were confiscating my {$44000.00}. According to the documents I signed, I was to be notified of any changes or modifications to this loan, as a guarantor. I was never notified of any changes or modifications to the loan that they made with XXXX. As a result I contacted a lawyer and should receive my money, however Comerica is not releasing it and has put a hold on it. I have been corresponding with : XXXX XXXX XXXX, Vice President Comerica Bank, XXXX XXXX XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX, CA XXXX Email : XXXX ( XXXX ) XXXX Direct ( XXXX ) XXXX Fax They will not release my funds after breaking their fiduciary duty with me and breaking the bank covenants with me. Please help me with this. My phone # is XXXX and email is XXXX. Thank you so much, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
On XX/XX/2018 I had funds automatically taken out of my checking account from XXXX XXXX twice from XXXX 's. There should have been one ( 1 ) payment of $ XXXX instead there was two ( 2 ) automatic deductions for {$260.00} taken from my checking account. This has not been rectified as of yet. 
The website for XXXX 's was having issues with the automatic payment when I initially tries to have the payment initially setup on XX/XX/XXXX. However, I didnt think it was completed. So, when I didn't see anything online under my XXXX 's account webpage or any acknowledgement I initiated a payment on XX/XX/XXXX for {$260.00} to be deducted from my checking account on XX/XX/2018. Then, two ( 2 ) minimum payments for {$260.00} each were taken out of my account. 

I disputed on XX/XX/2018 with my bank ( XXXX XXXX ). They, in turn had me sign dispute document five ( 5 ) business days later and fax it to XXXX 's. However, it has been ten ( 10 ) business days and I need my {$260.00} back into my checking account. 

XXXX 's was no help as they stated they had to see a payment first ( when I called on XX/XX/2018 ) when I initially contacted them via phone.When I called back five days later they showed no credit on my account. I need my {$260.00} and this process in the year XX/XX/2018 is unbelievable.

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 monetary relief