vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2019 I XXXX XXXX attempted to purchased 4 concert tickets from a person named XXXX XXXX for {$120.00} from which I saw she was selling on XXXX. Reference # XXXX They had stated they preferred to use the app XXXX for payment. I was not familiar with this app however I saw it was linked with the bank I already use Wells Fargo. I went ahead and set up the transfer. This person then sent me another request for the same amount {$120.00} a 2nd time and never sending the tickets via email because according to them the first one did not go through. I immediately felt suspicious and called Wells Fargo to cancel the transaction however it was already completed and the only thing left for me to do was to file a claim ( claim # XXXX XXXX which I did then do. On XX/XX/XXXX I received a letter from Wells Fargo stating that the online transfer was already approved and processed and there was nothing left I could do. They can not reverse the transfer. Now I am out {$120.00} and zero concert tickets. I only used the XXXX app because it was affiliated with Wells Fargo and trusted that using my back to transfer funds would come with some sort of back up. I guess I was wrong. How is the app still being used?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TX

Complaint narrative:
TransUnion is continuing to report a claim of {$410.00} from XXXX reported by a company doing business as " XXXX '' XXXX however acknowledges that there is NOT now, NOR ever has been, any such debt. XXXX  further states that there has NEVER even been an account associated with me, and that there has never been any account under my name, nor under my SSN, nor under my phone number, nor under my address. 
I have repeatedly explained all of this to XXXX and to TransUnion. 
I have even provided, in writing and over the phone, the phone numbers and the names of officials at XXXX  who confirm that there is no debt, and that there has never been an account under my name, ssn, phone number, nor address. 
Most recently, on XXXX XX/XX/XXXX at XXXX, I spoke with XXXX at XXXX  ( XXXX XXXX ). He confirms AGAIN that there has never been an account associated with me. There is no debt. 
I was transferred to his supervisornamed XXXX who researched the matter and AGAIN states that there has never been an account associated with me. There is no debt. 
I was then transferred to another individual named XXXX who AGAIN confirmed that there has never been an account associated with me. 
No matter how many times I dispute the matter, " XXXX XXXX " refuses to send any copy of anything to me to support a claim. Over the phone TransUnion reports that they have nothing to validate any claim, yet refuses to remove the claim. I have never been presented with anything substantiating a claim, nor even hinting at the possibility of one. Ultimately there are at least two factors here that are dispositive : 1. No one has anything to indicate what the alleged debt was for. 
2. XXXX agrees that there ihas never been such a debt and there is no basis whatsoever for a claim, since they have never had an account associated with me. 
There is therefore no valid reason for TransUnion to continue to report it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: Santander Consumer USA Holdings Inc.
State: NY

Complaint narrative:
I contacted Santander numerous amount of times about them reporting incorrectly. I reached out to the XXXX about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. 
As stated before i have reached out to Santander multiple times and they are very rude and unhelpful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I paid " XXXX XXXX XXXX '' {$100.00} on paypal for two concert tickets. She ( her name on XXXX was XXXX XXXX ) sent me the tickets, and then I later realized they were fake and would not work. Once I reached out to her to ask, she stopped responding all together.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Om XX/XX/XXXX, after receiving a promotional offer from Santander Bank in the U.S. mail, my wife and I opened a joint checking account at the Santander XXXX branch. Santander promised a {$400.00} bonus if we made {$2000.00} in direct deposits to a new checking account within 90 days of opening the account. 
On XX/XX/XXXX, I instructed my XXXX financial advisor, XXXX XXXX, to make a {$2100.00} distribution from my IRA account and directly deposit it to my Santander checking account. Since I am a preferred XXXX client, who is entitled to free wire transfers, XXXX XXXX made the direct deposit by wiring the distribution to my Santander checking account. 
On XX/XX/XXXX, I called Santander 's published telephone number, XXXX, to find out how I would receive the {$400.00} bonus. I spoke to XXXX, who checked my account and said that I have met the requirements for the bonus. She said that no action was required on my part and that after 90 days from the account opening date, the {$400.00} would be credited to my checking account. 
On XX/XX/XXXX, I accessed my Santander checking account online and found that the bonus had not been deposited. I called the branch and spoke to XXXX, who said that a wire transfer is not considered a direct deposit. I explained that it was a distribution from my IRA and that XXXX made the deposit directly from my IRA to my Santander checking account. I told her that XXXX at the XXXX number said that the requirements were met. However, she insisted that my deposit did not meet the requirements. She transferred me to XXXX, the supervisor, who told me that she would appeal my case to the back office. 
Two days later, XXXX informed me that the back office ruled that the {$2100.00} wire transfer made directly from my XXXX IRA to my Santander checking account would not qualify as a direct deposit. Therefore, I would not receive the {$400.00} bonus. 
I would appreciate your assistance in convincing Santander Bank to do the right thing. I requested a direct deposit. XXXX felt it was taking the extra step by making a wire transfer to expedite my deposit. By the way, Santander charged me {$13.00} for an incoming wire transfer. 
I have included the following attachments : A. Letter from XXXX verifying that I requested a direct deposit and that they directly wired {$2100.00} from IRA directly to Santander checking account. 
B. 4 images showing the promotional offer sent to us by Santander. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TN

Complaint narrative:
I have been trying for over a year in having Equifax remove one of my credit accounts. They have one in my maiden name and one in my married name. They are doing something on my credit and sending  me emails but I can not gain access to view my credit score or what it states. I have written so many letters and I still can not gain access. 

I am part of the breach and I have informed them of this but nothing has been taken

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: Total Card, Inc.
State: PA

Complaint narrative:
Account # : XXXX This complaint is to inform you that the above referenced account being reporting by your company on my credit reports is hereby disputed for lack of completeness and/or accuracy. I am disputing the following information directly with you, the furnisher of information, and I am requesting that you conduct an investigation as outlined in the FCRA Section 623 : Upon obtaining my credit reports I noticed several inaccuracies being reported across the three credit  bureaus. 

The bank name is being reported differently on my credit reports : XXXX  ; XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX : The XXXX XXXX XXXX with address as XXXX XXXX XXXX XXXX XXXX, MO XXXX XXXX : XXXX/TOTAL CRD with address as XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX  : current status is listed as Charged Off as bad debt XXXX : current status is listed as Charge Off XXXX  current status Acct transferred to another office XXXX : 30 day late XX/XX/2017 XXXX : 30 day late XX/XX/2017, XX/XX/2017 XXXX  : 60 day late XX/XX/2017 XXXX : 60 day late XXXX date of last activity : XXXX XX/XX/2017 XXXX  XX/XX/2017 Closed date of XX/XX/2017 is only being reported by XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
I am requesting to dispute the following unauthorized credit inquiries on my TransUnion credit report. These were done without my permission. 

XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX Inquiry from XX/XX/XXXX XXXX XXXX XXXX from XX/XX/XXXX XXXX XXXX from XX/XX/XXXX I am also disputing the reporting of my Chapter XXXX Bankruptcy XX/XX/XXXX as dismissed. The case was " closed without a discharge '' the court paperwork does not say anything about a " dismissal '' because that is not what happened.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: OH

Complaint narrative:
I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount — 
Company: DFC Global Corp.
State: FL

Complaint narrative:
Dollar Financial dba The Check Cashing Store ( a name they use in Florida ) is a company I used for a Payday Loan in XXXX XXXX Florida. They were offering a brand new product that was a {$1000.00} loan in the early part of XXXX of this year ( 2019 ). The loan was represented to me with a ninety day payback due on the first of XXXX ( 3 months ). The 'Federal Truth In Lending Disclosures ' page in the contract under the PAYMENT SCHEDULE says 'My payment schedule will be one payment of {$1300.00} due on Thursday, XX/XX/2019 '. Regrettably the above mentioned company took {$450.00} in an ACH ( not a check ) on XX/XX/XXXX ( one month after I took the loan out ) out of my checking account thus causing financial pain and distress as my account went negative and my bank charged {$84.00} in fees as well. A complaint was also filed with the Florida Department of Financial Regulation in XXXX Florida. Please let me be clear that NO check was given to them for this date ( XX/XX/XXXX ) or any other date by myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: NY

Complaint narrative:
I contacted XXXX numerous amount of times about them reporting incorrectly. I reached out to the XXXX  about them Inaccurately reporting a XX/XX/XXXX payment. They eventually deleted the XX/XX/XXXX late payment. After deleting the late payment they started reporting a XX/XX/XXXX late payment which never showed before on my credit report until they deleted the XX/XX/XXXX late payment. 
As stated before i have reached out to XXXX multiple times and they are very rude and unhelpful.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I purchased a house in XXXX of XXXX, this mortgage has since been purchased by PNC bank. The issue is I've paid ahead on my mortgage, one of the primary reasons was to remove PMI from my loan. I called to understand how to go about getting this removed, the lender states I need to get an appraisal on my house that costs {$500.00}. In reading up on removing PMI, it appears that a lender is required to remove PMI at 78 % loan to value. I was notified by PNC that this is not the case, a disclosure I signed in the original loan states " ambiguously '' that this is date driven, and calculated at the time of origination. This means that I can wait until XXXX when they are required to remove PMI or I can pay them to have their " appraiser '' come out, and re appraise my house. At which time it will be removed. How is this legal?? This is a form of extortion and a primary reason the CFPB was created.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
I have requested from the collections company several times by certified mail to verify the debt by providing me a contract or document with my signature and where I agree that my personal medical information could be shared with outside parties. I have yet to receive this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Received unwanted marketing or advertising
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX XXXX XXXX the XXXX family froze it I need a hearing I reported XXXX XXXX XXXX XXXX who files new mortgages daily XXXX harassment XXXX XXXX XXXX terminated my employment demanding XXXX XXXX XXXX drug addict woman I filed bankruptcy ch XXXX XXXX XXXX XXXX XXXX I need a loan to file legal proceeding XXXX XXXX appointed XXXX XXXX XXXX appointed assembly he arrested XXXX XXXX XXXX XXXX gaming commission The XXXX XXXX XXXX XXXX human service XXXX @ XXXX XXXX move int XXXX XXXX please read XXXX XXXX XXXX please XXXX XXXX / XXXX XXXX IRS / XXXX the check XXXX XXXX XXXX restraint XXXX XXXX 2001 XXXX XXXX crash crew XXXX XXXX XXXX XXXX XXXX the XXXX XXXX XXXX XXXX XXXX XXXX XXXX the XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: AMERINATIONAL COMMUNITY SERVICES, INC.
State: MD

Complaint narrative:
Received a letter from AmeriNat on XX/XX/XXXX stating there is an outstanding loan on the home from XXXX  of XXXX from XXXX on property XXXX XXXX XXXX, XXXX, MD XXXX. I have never received any communication until the date above. AmeriNat is threatening to collect ( what they called a debt ) by XX/XX/XXXX if no action is taken to pay the loan it can be taken. My mom who is deceased as of XX/XX/XXXX was informed at the time in XXXX that the loan will be paid in full if she lived in the home for 20 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase bank toke for XXXX dollars today the whole bank was in on it. Made look like I was nothan.i work as XXXX XXXX XXXX for California an XXXX. This the second time JPMorgan 's has done. He the real hacker an theif.i know he say to invest into his business after you get paper an. The document in go to bank to your money an there is none.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: OH

Complaint narrative:
I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: OH

Complaint narrative:
I have been a victim of identity fraud twice which was reported and I have tried to dispute the unauthorized inquiries with all three credit reporting companies, however I have had no luck and have received automated letters back all stating the same information as to why they can not dispute or investigate the information I have submitted to them. This all started back in 2013 when someone gained access to my information and filed taxes in my name to going to a dealership this past weekend and them submitting my information to different companies without my authorization.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 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: FL

Complaint narrative:
I have never authorized hard inquiries from these two companies in the following dates : XXXX XXXX XXXX, XX/XX/2018 XXXX XXXX, XX/XX/2018

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Chase Bank is refusing to take responsibility for late payments that were reported on my credit report as a result of their phone agent setting up payments incorrectly during a request for enrollment in a hardship program. I had 3 different accounts set up under the hardship program, 2 of which were set up correctly and reported correctly. However, the third account was set up with automatic transfers on a date that would cause a rolling 30 day late payment to report on my credit report. I called in to set this up around XX/XX/XXXX, only 11 days after the payment due date. Chase has claimed I was already 30 days past due which is incorrect. They keep lying to me on the phone despite my having evidence of the date I called in and the dates the payments were set up. They refuse to take responsibility by setting up the dates incorrectly and not informing me that the date they did choose would put me in a late pay status. The payment amounts were set up to cover more than the statement minimum payment, and I completed the hardship program payments as directed but still have derogatory marks on my credit. This is hugely frustrating and unfair to the consumer.

Company response to consumer: Closed with non-monetary relief