vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
ON GOING HABITUAL LIES AND MISREPRESENTATION OF COVID 19 RELEIF DEFERMENTS AND ADDITIONAL LOAN MANAGEMENT ASSISTANCE MISREPRESE3NTATION. PER DOCUMENT REPLY PACKET PROVIDED IN RESPONSE FROM WELLS FARGO : DATED XXXX XXXX, 2020. SAID DOCUMENT, REPORTS REPEATED VERBIAGE MISREPRESNTATION - LIES WITHOUT PROOF. OF " SAID REQUEST. '' WELLS FARGO EXPRESSLY REFUNDED PAYMENTS AND STATED THIS WAS " ADDITIONAL COVID 19 RELEF '' AND WAS ISSUES IN CONJUCTION WITH ROUND 2 OF DEFERMENT OF ADDITIONAL PAYMENTS TO ASSIST CUSTOMER DURING A DEVISTATING TIME IN OUR HISTORY. 

WELLS FARGO THEN RENIGED ON THEIR COMMITTMENT TO COVID 19 RELEIF. STATING CUSTOMER " REQUESTED '' AN OPTION. 

WE THE CUSTOMERS HAD NO IDEA THIS COVID 19 RELEIF REFUND WAS OFFERED UNTIL " WELLS FARGO REPRESENTATIVES PRESENTED OFFER '' AND REFUNDED. WE HAD NO REASON TO QUESTION - UNTIL WELLS FARGO BEGAN DEMANDING PAYMENTS 3 TIMES MONTHLY PAYMENT AGREEMENT. ADDITIONALLY, THE DATES STATED I, THE CUSTOMER, MADE THE REQUEST ARE IMPOSSIBLE CONSIDED I RECEIVED THE REFUND IN THE MAIL THE SAME DAY THEY STATED I MADE THE REQUEST-AGAIN THIS IS MISREPRESENTATION OF MY WORDS AS WELL AS THEIR OFFER TO ASSIST CUSTOMERS, WAS FOLLOWED BY DEMAND TO PAY.

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 2021-01-21 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: ALLY FINANCIAL INC.
State: FL

Complaint narrative:
On XX/XX/2019 ally financial inc, ran an unauthorized inquiry on my consumer credit file.i never authorized such actions and this constitutes as a violation of my rights under the fair credit reporting Act 604, as well as a violation of my privacy. I wrote ally financial inc a dispute that they were in violation almost 2 most ago and nothing has change.under 15 section 623 they have passed the exceeded time limit and this inquiry should removed/deleted expeditiously. I never gave permission, my written consent nor has proof that I gave personally initiated this inquiry.under section 1681 ( b ) a person shall not or use or obtain a person consumer report for any reason unless-the consumer report is obtained for which the consumer is authorizedto be furnished under the section- ( 2 ) to add on i never gave this company my permissible purpose to run this unauthorized inquiry on my report

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 2021-01-21 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: FL

Complaint narrative:
I have been sending transunion letters information on the last few months regarding inconsistent information show on my report from metrics. Ive informed them countless times of my rights as a consumer. And that information per the fcra must report with a 100 % they in return indicated the account is updated but the report remains the same. In the event that information is not corrected this agency has a duty to delete my account. Please assist me with this matter. Below Ive included copies off certified receipts and letters

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 2021-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA

Complaint narrative:
Union Bank refuses to cash or make a deposit for their own account holders who have received Economic Stimulus debit cards. The service rep 's advice to their customers is to take the card to a XXXX ATM, withdraw money, and bring the cash back to their so-called 'bank ' to make a deposit.

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 2021-01-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have exercised my rights under the Fair Credit Reporting Act by initiating an investigation regarding my consumer credit report. I have submitted copies of my social security card, current utility bill, and government issued ID with each written dispute request, I have submitted a dispute for the following items a total of 12 different dates via us mail. 

XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX XXXX XXXX XXXX ACCOUNT # XXXX I have not received an investigation summary and or results for any of the disputes submitted. My consumer request have been ignored and obviously not properly investigated.

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 2021-01-21 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: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
To Whom it May Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not grant you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the three main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-22 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: OH

Complaint narrative:
Looking over my credit report and noticed there was an account that does not belong to me and that I did not authorize. This is an act of fraud and I am a victim of fraud. This is a notice of dispute pursuant to the Fair Credit Reporting Act ( FRCA ), section 623, subsection ( 8 ) ( D ). The following account is listed below : XXXX XXXX XXXX # XXXX, # XXXX, # XXXX, # XXXX. I NEVER HAD A ACCOUNT OR BUSINESS CONTRACT WITH XXXX XXXX XXXX AND I BELIEVE THESE ARE ILLEGAL RE-AGED ACCOUNTS FROM ANOTHER 3RD PARTY COLLECTION AGENCY.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: TN

Complaint narrative:
On XX/XX/XXXX I was contacted by XXXX XXXX who stated she was from the U.S. Department of Education Student Loan Forgiveness Department Processing calling to discuss my student loan repayment options. She was able to provide me with secure information from my FAFSA  profile like my persons of contact, which is my mom and grandmom. She provided me with their first and last name and their home addresses. She proceeded to tell me that my full amount in loans is {$25000.00} and that they way it was set up now no would be paying on it for over 20 years. She asked what my annual income was to see if I qualified for loan forgiveness and I told her I make less than {$25000.00}. She then told me that I qualify for the Student Loan Forgiveness Program - Revised Pay As You Earn Enrollment. She said I would have to pay {$140.00} for 6 months for a total of {$870.00} and after those payments the rest of my loan would be forgiven. I provided her with my debit card to set up the payments to be taken out on the XXXX of every month. She then told me I would receive email confirmations to further solidify the process. She also said that I would be receiving a phone call from XXXX which is someone in their processing department that would be finishing my student loan forgiveness. After speaking with XXXX she emailed me documents to sign. And then the the first payment of {$140.00} was taken on XX/XX/XXXX and then a second payment on XX/XX/XXXX. I found out yesterday after speaking with the real U.S. Dept. of Education FedLoan Servicing Department that I had fallen victim of a scam. I was also informed that some papers had been faxed or mailed to them with all of my personal information and signatures and other information to change on my FAFSA documents. They changed my information to show my repayment option should reflect that I have XXXX children, havent filed taxes in the last two years and that I have non-taxable income. All of those accusations are false. I do not have any kids or dependents, I filed my taxes for the year of XXXX and plan on filing for the year of XXXX, and also I work a full time job where federal and state income taxes are taken out of every check.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Coinbase, Inc.
State: FL

Complaint narrative:
XXXX XXXX XXXX Chief Compliance Officer COINBASE XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX : Case # 's XXXX, XXXX, XXXX, XXXX, XXXX I am writing to Coinbase to confirm that I have received no response to five messages requesting help for my account. Specifically, I made a wire transfer to Coinbase on XX/XX/20. Coinbase has never verified or confirmed receipt of funds. 
This is my second letter to your office to resolve this issue. Despite Coinbase 's receipt of wired funds, my portfolio still shows a {$0.00} balance. Coinbase continues to send me emails asking to choose a method of payment despite having already received wired funds to my account. Where is my money? 
From the time funds were transferred to Coinbase I have lost money on the trades/purchases I had intended to make upon Coinbase 's receipt of funds to my account. Where is your response? This level of customer service from a licensed broker-dealer is disgraceful. I trust at least one of my messages will be responded to in short order. 

XXXX XXXX XXXX XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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:
I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any XXXX XXXX account open and they insist that the information belongs to me. 
When I called XXXX XXXX XXXX and XXXX, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to 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 2021-01-21 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: CITIBANK, N.A.
State: IL

Complaint narrative:
I have been trying to fix since XXXX as some accounts that doesn't belong to me and personal information as my name, phone numbers, and addresses that I have never lived there where showing on my credit. 
I have never lived in California and there is many address listed there. Also my name was listed with different middle names and last names that I never used them. 
Most of the accounts were removed from my credit as I believe companies are confusing me with another person as my name is very common name I don't have any Macy 's account open and they insist that the information belongs to me. 
When I called XXXX XXXX XXXX and Macys, they are not able to find any account with my social security number. 
I need them to take the time to verify that my information is not the same as their credit card holders, I have never receive any statement from them to my current address where I lived for more than 15 years. 
Also I need Credit bureaus to clear all personal information that doesn't belong to 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 non-monetary relief
Consumer complaint received 2021-01-21 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I have been trying to dispute multiple accounts reporting inaccurately on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

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 2021-01-21 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I have been trying to dispute multiple accounts reporting inaccurately on my credit report. I have made multiple attempts to have this incorrect and incomplete information removed in its entirety from my report by way of the bureaus and the original creditor. No one had responded, no investigation has been conducted, and nothing has been removed! From what i understand from FCRA regulations, by law they are required to respond. I have even tried to update my personal information and still no response. I will include all of the letters I have sent out by mail on the following dates : XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020, and XX/XX/2020.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Loan payment wasn't credited to your account — 
Company: Lafayette General Medical Center

Complaint narrative:
Can't get money out of my account

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY FOURTH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION 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 explanation
Consumer complaint received 2021-01-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
On XX/XX/2020 COMENITY BANK/VICTORIASSECRET sent me a correspondence stating that I still owe a debt ignoring the cease and desist in which is in direct violation of 15 USC 1692c ( c ). COMENITY BANK continued to use obscene and profane language in which in the last company response they denied it. According to 15 USC 1692d ( 2 ) obscene and profane language is whats offensive to the consumer, this puts them in direct violation. On XX/XX/2020 I, the consumer XXXX XXXX sent Comenity bank a cease and desist, an Affidavit of Truth and an invoice. I also received statements of a consumer credit transactions in which involves a finance charge and is the sum of all charges according to 15 USC 1605. COMENITY BANK continued to report my information to the credit reporting agencies, again which is a violation without my written consent and not given the opportunity to opt out, according to 15 USC 6802 ( b ) ( 1 ) ( B ) COMENITY BANK are in direct violation. Without written consent is identity theft. I am the consumer and I have the right to refuse to pay this debt according to 15 USC 1692a ( 6 ). Reporting false information causes COMENITY BANK to be in direct violation of 15 usc 1681.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: CORELOGIC INC
State: VA

Complaint narrative:
To Whom it XXXX Concern According to my most recent credit report, your company is currently reporting to all three credit bureaus that I applied for credit with your organization. I did not XXXX you authorization to review my credit report The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. If you can provide a copy of a credit application authorizing the disclosure of my credit files with my signature, I will accept the inquiry. If a signed authorization can not be found please remove the inquiry from the XXXX main credit bureaus The presence of this inquiry is adversely affecting my credit report and is impeding my ability to obtain necessary credit. Please mail me the copy of the signed application or a letter indicating your intention to delete the inquiry.

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 2021-01-21 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: AMERICAN ADVISORS GROUP
State: MS

Complaint narrative:
I did a reverse mortage on my paid for home. At the time I was mentally unstable. The company made arrangements with all services that were supposed to be done and paid before reverse mortage could be done! Appraisal, termite treatment and other. After loan I had to pay these expensive things which left me hardly any money. The house needed major expensive repairs. I was last with no money to repair house. Now much worse. Owe XXXX. XXXX to fix is XXXX and neighborhood sells in XXXX to XXXX. Not worth doing. This leaves me with nothing to leave my XXXX childred after working since I was XXXX yrs. XXXX. The company XXXX is rude. Won't listen at all. Because of house condition insurance companies will not insure. The city condemned house about XXXX yrs ago. I still live here with not even heat. So cruel and unfair. I would have never done if I was in my right mind. Have no idea how they did this.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21 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: SC

Complaint narrative:
I XXXX XXXX am a victim of identity theft and fraud. TRANSUNION IS VIOLATING MY RIGHTS BY REPORTING FALSE INACCURATE ACCOUNTS ON MY CREDIT FILE. THESE ACCOUNTS WERE OPEN FRAUDULENTLY IN MY NAME. THIS IS MY FOURTH ATTEMPT WRITING TRANSUNION ABOUT THIS MATTER. THEY HAVE NOT RESPONDED TO MY DISPUTES OR MADE ANY CHANGES. I AM GOING TO HAVE MY ATTORNEY TAKE THEM TO COURT BECAUSE THIS IS A VIOLATION 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 explanation