vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-05-18 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:
My credit has been compromised. I found out because XXXX XXXX sent me an email that I needed to take action. I immediately pulled my credit report and saw an outrageous amount of items that were opened under my social security number and by the look of it this person that stole my identity was not able to pay the things opened under my name. These fraudulent items are not mine. Please remove them from my report. XXXX  XXXX {$450.00} XXXX XXXX XXXX  XXXX {$9100.00} XXXX XXXX XXXX/ XXXX {$9500.00} XXXX XXXX XXXX {$3500.00}

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 2020-05-18 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Complaint is against Wells Fargo regarding my private student loan # XXXX. MY complaint is that Wells Fargo purposely refuses and delays to provide loan payoff information in order to interfere in loan consolidations with other companies in order to influence a denial which would keep the loan with WF so they can continue to accrue double digit interest from a loan they lended to me during the last financial crisis. 

I logged onto their website today. Please be informed that multiple lenders including XXXX, XXXX, XXXX and more allow you to access a 10-30 day loan payoff statement right on their website. Wells Fargo does not, it instructs you to call. Well I called earlier today and I was told it takes up to 3 days to receive a loan payoff statement? It is a simple detail about my loan and this may have a negative consequence on a consolidation pre-approval that I have. 

Please be advised Wells Fargo has a bad reputation in regards to refinance and consolidation denials in order to keep struggling consumers in their current bad loan terms. The fact that they are telling me to wait three days for simple information on my loan is entirely unacceptable!

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 2020-05-18 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:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX XXXX {$2600.00} XXXX XXXX XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX  XXXX {$250.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: EQUIFAX, INC.
State: AR

Complaint narrative:
For months now I can not login to Equifax to look at, and most likely dispute, information in my file. I tried online and they would not let me see anything, I was referred to a toll free number where I sat on hold, and was bounced around for 30 minutes. I got frustrated and hung up, but waited 3 days and called back, to wait 45 minutes this time and keep getting bounced around with no resolution. 

I sat down and wrote a letter politely demanding to see my credit file, included copies/printouts of the front and back of my valid drivers license, and social security card front and back. These were the 2 " big '' items they wanted so I could prove me identity and see my credit file. I waited appx 2 weeks and was mailed a letter from Equifax with a website to login and enter a verification code they proved on the letter. I did all this and still, I was blocked out - not allowed to see my credit file. I can not get them to open up their blocking of my account and I truly need to see my file/info with them because I can think of 2 companies I want to file disputes against if they are on the Equifax credit report. 

I called the same number AGAIN, sat on hold and finally got to hear a human voice. I told him what happened, although I could barely understand his horrible English. He said he had to transfer me to another department, and he put me on hold, which then properly hung-up on me. I was livid, I could not stand it anymore so I didn't call back. I found your office through an internet search and thought I should try to get help. 

I'm only trying to access MY CREDIT FILE, which I've provided more than ample information proving I am who I say I am. 

Please make Equifax get this lined out ASAP. It's been going on for months. No matter what website, form or whatever I use, I am not being allowed to see my credit file witht them, muchless my score. After paying {$29.00} on XXXX, i was able to see scores on all 3 main credit reporting agencies and Equifax is the worst. I know there are errors because they show my credit score as XXXX. No idea what fraud-laziness- or else is going on with them but they need to open my files up to me anytime.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report XXXX XXXX {$1400.00} XXXX XXXX {$770.00} XXXX  XXXX {$2600.00} XXXX XXXX XXXX  {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}

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 2020-05-18 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: GA

Complaint narrative:
I been trying to get insurance on my vehicle for some time now. Every time I get a quote it either comes back too high or I am ineligible. When I ask why I get told that it could be that my credit history is not too good. I finally decided to pull my credit report and I found things on there that I have never applied for including a bankruptcy. These items are not mine. Please remove them from my report immediately.XXXX XXXX {$1400.00} XXXX XXXX {$770.00XXXX XXXX  XXXX {$2600.00} XXXX XXXX  XXXX {$6400.00} XXXX XXXX  XXXX {$58.00} XXXX XXXX XXXX XXXX {$960.00} XXXX XXXX  XXXX {$1000.00} XXXX XXXX XXXX {$6700.00} XXXX XXXX {$2200.00} XXXX XXXX XXXX {$1100.00} XXXX XXXX XXXX XXXX {$250.00}

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 2020-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: NJ

Complaint narrative:
The entire underwriting process was a disaster. I was told I was cleared to close and then asked more documentation. Nonetheless I accepted all that Citizens bank requested and obliged. I finally closed on XXXX XXXX and it has been 4 weeks since closing and I still have no log in for getting disbursements for my construction loan. I have reached out to my MLO and even the assigned Construction draw administrator XXXX XXXX who is slow to respond. I am now being asked for documents that were already provided during underwriting and asked for different documents by the construction loan administrator. The process has been a nightmare and Citizens bank should not be in the construction financing business if they can not create a better experience for their clients. My construction is moving at a snails pace because I am unable to get disbursements from my approved loan even 4 weeks after closing yet they restrict me to a 12 month construction period.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
On XX/XX/2020 I opened a new business account under the name : XXXX XXXX XXXX XXXX XXXX An XXXX Corporation I created. On XX/XX/2020 at XXXX I deposited a check made payable to XXXX XXXX XXXX XXXX for {$13000.00}. Check Number XXXX. On XX/XX/2020 I was issued a letter from Chase saying my account has been blocked and my funds have been frozen ever since. Please be aware the check for {$13000.00} were cashed and funds were available by XX/XX/2020 yet they have not been released to me or made accessible to me. I have contacted my personal banker, XXXX XXXX, Branch Manager XXXX XXXX, and the compliance office. The compliance office stated that because the address on the check made payable to XXXX XXXX XXXX does not match the address on file, of XXXX XXXX XXXX CA XXXX and instead has my address of XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX CA XXXX. They can not release funds to me. I explained to them that the XXXX XXXX XXXX address is my work address and I even gave them a copy of my XXXX  XXXX employment contract showing that XXXX XXXX XXXX XXXX is my work address. It's been over 12 days since this happened and I have no choice but to file a complaint and escalate this. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: PROSPERITY BANCSHARES, INC.
State: TX

Complaint narrative:
This complaint is about aChecking, Saving account and Safety Deposit Boxes for my Great Grandparents where their XXXX XXXX XXXX XXXX XXXX  were deposited. The name of the Bank was XXXX XXXX XXXX XXXX in XXXX Texas that was bought out by Prosperity Bank in XXXX. The last time anyone seen any thing on there account was XXXX and XXXX when it was first bought out by Prosperity Bank. Now Prosperity Bank states that they never had an account at neither Bank as stated by Ms.XXXX XXXX customer service for Prosperity Bank. I sent Sworn Afidavit of Heirs, Death Certificates, and a sworn Inventory of all assets owned by my Grandparents. It list XXXX XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX  XXXX bought out by XXXX XXXX XXXX. Their accounts should be still active and untouched for over ( 62 ) Sixty Two years and was never closed. XXXX XXXX XXXX XXXX tried to get in touch with my family by the news papers that I found in XXXX. This is how the family found out that my Great Uncle XXXX XXXX who was my Grandfather 's Executor didn't close none of his accounts in two different Banks. That's when we got involved this year on the matter at hand. Prosperity Bank says, they can't find no accounts. This can't be true.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: DC

Complaint narrative:
I was offered a {$500.00} bonus for opening a checking account with Bank of America and making {$10000.00} in direct deposits within 3 months of account opening. I spoke by phone with a Bank of America representative on XX/XX/2020 to open the account ( account number is XXXX ). The promotional email I received telling me about this account had no unique tracking information other than my name in the email. I met the terms of the bonus on or about XX/XX/2020. Bank of America appears to have enrolled me in a {$100.00} bonus program instead and awarded me a {$100.00} bonus on XX/XX/2020. I have called Bank of America at least twice in XXXX and XXXX to confirm my enrollment in the proper bonus. They told me they had opened a case on my behalf and it would take up to 60 days to complete their investigation. If I'm not mistaken, 60 days has come and gone without any contact from them and I'm still missing {$400.00} of the bonus.

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 2020-05-18 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Company has wrong information on me and thus not receiving proper notification on debt being sent to collection. Proper notification wasn't sent in advance on debt was going to be sent to collections. No effort was done to try and reach me before hand. Also they called a family member that I have no communication with to try an locate and having the correct phone number to reach me.

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 2020-05-18 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: GA

Complaint narrative:
A fraudulent account was opened in XX/XX/2016with XXXX  ( XXXX XXXX XXXX  ) XXXX ( I don't know what these initials mean ). The account number on the bureau is XXXX. Around the same time an address from California ( I live in Georgia ) appeared on my file. I conferred with several experts in fraud and they confirmed that this account has all the red flags for such an account. The account was opened, immediately charged to the limit and no payment was ever made on it from the beginning. 

I disputed this account with XXXX and Trans Union and they not only left it on my file. They did not block it from display ( as provided for in the Fair Credit Reporting Act ). This is a violation of my federal rights. 

I have provided copies of a fraud affidavit ( FOR INFORMATION PURPOSES ONLY ) I do not expect the CFPB to file this affidavit..but I do expect for you to make XXXX and Trans Union adhere to the federal law.

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 2020-05-18 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: TX

Complaint narrative:
remove all the ftc violations attached

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 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 pulled my credit to myself for the first time in 2 years and I have derogatory items that are not mine including two bankruptcies. These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. 

XXXX XXXX {$4000.00} US DEPT ED XXXX {$8200.00} XXXX  XXXX {$390.00} U S DEPT OF EDXXXX XXXX {$560.00} XXXX XXXX {$2000.00} XXXX  XXXX {$1800.00} XXXX  XXXX {$11000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}

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 2020-05-18 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: TX

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. 

XXXX XXXX XXXX {$5600.00} XXXX  XXXX {$300.00} XXXX XXXX  XXXX {$3000.00} XXXX XXXX XXXX {$4100.00}

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 2020-05-18 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Prince Parker & Associates
State: KS

Complaint narrative:
I received this response from PPA regarding my previous complaint : Thank you for your correspondence. We have reviewed the information. PPA apologizes for any unprofessional behavior. The collection rep should have offered to file the dispute on the customers behalf or advised that the customers disputed information would be best to be put in writing and submitted to PPA via email or fax so we may file your dispute on your behalf with our client. Putting the dispute in writing allows you to specify why you feel the balance is not justified and to include any documentation you have to substantiate your claim. PPA has placed the account on hold at this time pending the receipt of Ms. XXXX 's disputed information. She will receive no further contact from PPA pending the receipt and resolution of the dispute. Please submit the dispute to XXXX or by fax at XXXX attention XXXX XXXX. We will submit the dispute to our client upon its arrival. Typical turnaround for disputed information is 30-90 days. 

However today at XXXX XXXX they called me again from phone number XXXX. I have still received no written notification or validation of this debt. They are harassaing me and I even told them on the prior phone call to no longer contact me and even after they stated they wouldn't they still called me again on my cellphone while I was at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-18 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: NV

Complaint narrative:
Pretty simple. US Bank is representing their Jumbo Mortgage 30 year Fixed Product.  3.5 % and XXXX APR - the same as their conventional product 30 year fixed which is impossible. You can check the website - but also printed it to PDF. 

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 2020-05-18 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 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 2020-05-18 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
I applied for a conventional home mortgage with Wells Fargo in XX/XX/2020. 
On XX/XX/2020 they took {$570.00} payment for a future appraisal on my Wells Fargo Visa credit card. This appraisal never took place, and my loan application did not have an active purchase contract. 

After waiting four weeks for Wells Fargo Home Mortgage to decide what down payment they wanted - first it was 3 %, then 5 %, then it jumped to 20 %. Meanwhile, the home I wanted to purchase was still on the market and could have been sold.I finally decided to go with XXXX XXXX - which always only wanted 5 % and never gave me misleading information. 

On XX/XX/2020 I asked Wells Fargo Home Mortgage to close the loan application and that my credit card be refunded the {$570.00}. 

Wells Fargo to this day, XX/XX/2020 - almost 30 days later - has not closed this loan application and has not refunded my money. Despite multiple written requests and two Wells Fargo " executive level '' complaint escalations in their system. I was told they are too busy to refund my money - remember, this appraisal NEVER happened. 

This amount is taking credit available from my credit card and I am paying interest on it. This is a fraudulent charge/transaction. 

Furthermore, on XX/XX/2020 I received a new loan estimate and rate lock!

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