vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I received a settlement check from a wrongful death suit involving my mother and the approximate total of the check was {$130000.00} on XX/XX/XXXX. According to the Wells Fargo bank statement of XX/XX/XXXX, a deposit, of {$130000.00} was made into my Wells Fargo Access Fifty checking account. I spoke with a Financial Counselor representative at the bank that asked how did I come to have such a large check. I explained about the settlement. I only wanted to put that money in my personal checking account. I was told that I needed to open a savings overdraft protection account to avoid monthly fees and charges. I believed that was a separate account. This money was never deposited or linked to the overdraft savings account. Both accounts were online banking accounts of which I did not have access to a computer ; therefore, I was unable to check the accounts. No paper statements were sent to me. On XXXX XXXX, a withdrawal made in a Branch/store of {$36000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of {$75000.00} was made. I did not withdraw this money. On XXXX XXXX, a withdrawal made in a Branch/store of XXXX was made. I did not withdraw this money. 
In XX/XX/XXXX, I was inquiring about a line of credit with Wells Fargo. The bank manager said I had to have a substantial amount of money in the bank for a line of credit. I said I do. She asked what account? I told her it was in my overdraft account. She said, What money in an overdraft account? I told her I put money in an overdraft saving account in XXXX. She said that their bank records do not go back that far, their retention period is only 7 years. However, she began to find and printed out an access fifty checking bank statement from XXXX XXXX XXXX. It verified a check totaling {$130000.00} was deposited on XXXX XXXX. Its showed a withdrawal of {$36000.00} on XX/XX/XXXX, {$75000.00} on XX/XX/XXXX and {$2500.00} on XX/XX/XXXX. The bank manager found several other accounts in my name of which I never opened or even knew about. I requested to see a signature page or signature of the withdrawal slip for those withdrawals. The bank manager said that information was not available since they only keep 7 years worth of information. I requested an investigation. She notified an escalation team of Wells Fargo. This team called me back in 5 days- they stated the retention policy was only 7 years and she could only find a bank statement starting with XX/XX/XXXX and no further information was available. I believe since the money can not be found or accounted for -identity theft, multiple accounts and a merger between Wachovia and Wells Fargo and Overdraft Protection Account, hid the removal of these monies.

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 2019-08-07 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: NY

Complaint narrative:
I am a victim of identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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:
I am a victim of identity theft

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 2019-08-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WESTERN UNION COMPANY, THE
State: MA

Complaint narrative:
So I was trying to send my son XXXX $ and for some unknown reason. Western union refused the transaction. My wife had earlier sent a test transaction of XXXX $ and it went thru so she then tried to send him an additional XXXX $ and it was denied. She tried to send lesser amounts to no avail all transactions were denied. That is when I tried with my own account. Completely separate from hers and it was also denied. My son is a UNITED STATES XXXX XXXX VETERAN!!!!!!! I want to know why one XXXX $ test transaction was successfully sent but as soon as we tried to give him more money through different accounts and banks they were all denied. We are just trying to help our son and western union is denying our attempts with no reasonable explanation..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX  XXXX and XXXX Mortgage Reporters

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 2019-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We are behind in our mortgage. Our loan servicer, SPS ( Select Portfolio Servicing , Inc. ) suggested that we APPLY FOR A LOAN MODIFICATION. As a result on XX/XX/2019, we sent them an email with 78 PAGES OF DOCUMENTATION THAT THEY REQUESTED. On the same day we received an emailed acknowledgment that the documents were received. We have not heard anything from SPS since then. I called them today, and was told that our email WAS RECEIVED BUT NEVER OPENED. Again, we were never notified that there were any problems with our application. So, now, another two and a half weeks have passed. SPS told us that our loan was going to their " legal department '' on XX/XX/XXXX. We were under the illusion all of this time that our modification request would forestall further foreclosure actions. Now we are feeling defenseless. The specific individual I have been working with at SPS is XXXX XXXX. She can be reached at XXXX x XXXX. PLEASE HELP.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX, XXXX and DEPT OF ED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: TX

Complaint narrative:
Fraudulent credit inquiry on XX/XX/2018 from XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2019-08-07 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 called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX, XXXX and DEPT OF ED

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Removal of items because of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 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: COAST PROFESSIONAL, INC.
State: TX

Complaint narrative:
Coast professionals inc is the name of the debt collection agency who took oher my account. They basically asked me for all my personal information. I complied, and basically they are saying that all my XXXX dollar monthly payments have been over turned and werent accepted. Which is weird because I sent a fax with my credit card, routing number and account number and had at least XXXX bucks on the card and they didnt take any payments out. Very strange. Then they told me in 9 months my account would be in good standing if I maintain the XXXX dollar payments each month. So I recently talked to them and they told me they have to get me into another program since the payments never went through, them fed ex me and big packet with more personal information to fill out and send. I dont understand whats going on.

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 2019-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The following companies ran unauthorized credit inquiry on my credit report. Kindly remove asap as these are suspicious : XXXX  and XXXX XXXX/Personal

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 2019-08-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Add-on products and services
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Today, XX/XX/2019, I went to Macys and tried to make a purchase. I was informed that my store card was no longer valid because I was upgraded to a combo Macys & XXXX XXXX card. I had been sent an offer and never responded, not knowing ( as customer service told me today ) that it was an opt out option. 
I never wanted the combo and never agreed to it. 
I believe this is not right. I should not have to respond to unwanted and I requested offers. It felt coercive. 
Now, I have to apply for a new store card! How maddening and time wasting is this. 
Please look into Macys policy of offering upgrades. 
Thanks.

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 2019-08-07 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:
I called all 3 credit bureaus and was told to send in all my documents to sow that i had fraud committed against me.So i sent everything in and i still see the accounts on my credit I then call the documents in a 2nd time to make sure they have receive them I was told them and was going to have accounts remove

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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 went to my bank and the lady there talked me into applying for a loan to get a new car. I thought maybe this is a sign that I need to just go ahead and get a new car especially after having car trouble. They called me back and told me I was not approved. I went and pulled my credit and there are some items that are not mine. XXXX XXXX XXXX  XXXX FEDLOAN XXXX XXXX FEDLOAN XXXX XXXX XXXX XXXX XXXX. I am doing this on my own and have reached out to the FTC and to my local police department.

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 2019-08-07 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:
There are two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 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:
There are two types of discrepancies in my credit file that has led me to believe that I have been a victim of fraud or my information is being crossed with someone else. First of all, there are two bankruptcies appearing on my report and I have never filed bankruptcy. Secondly, there are some accounts that do not belong to me and they are derogatory. I have tried to resolve this issue with the credit bureaus but it has not worked. I have attempted to pull the bankruptcy file from the courthouse for review but have not been able to retrieve any documents. I have also obtain on two separate occasions police reports to prove my case. The case numbers of those reports are listed within the fraud affidavit that I included in my disputes. So far, nothing seems to be working for me when it comes to clearing these errors off my report. I would like to have these items, which I will attach, deleted off my credit report in accordance with FCRA act 605b.

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 2019-08-07 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: FL

Complaint narrative:
I left out the gym around XXXX walked to my car and noticed glass on the ground and my window on the back passenger side broken. I immediately called the police. I checked underneath the passenger side seat which contained my wallet and it was gone along with everything that was inside my drivers license, debit card, credit cards and my social security. I've been fighting fraudulent accounts that has been opened in my name ever since then.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Add-on products and services
Company: SYNCHRONY FINANCIAL
State: NY

Complaint narrative:
I was told that my XXXX Visa Signature card issued by Synchrony Bank came with protections like trip cancellation coverage and lost bag protection. When I received the card, the guidebook explaining all these benefits was missing. I called Synchrony and the representative told me that THIS CARD DOESNT OFFER THOSE PROTECTIONS, they are apparently from Visa. I asked why his card advertised these benefits when they are not offered by Synchrony for this card. He told me to XXXX Visa Benefits to find the benefits or call a generic number. A search of the internet turned up no results for the guidebook, nor would the Visa site let me register the card to view these benefits. This is clearly an advertising scam by Synchrony, these benefits/protections are not associated with their Visa Signature product. 

Call details : XXXX Employee ID XXXX XXXX XXXX XXXX EST

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 2019-08-07 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: VA

Complaint narrative:
Hi my name is XXXX XXXX I have several items on my credit report that are not mine. I noticed it because I recently applied for an apartment and I was denied so it prompt me to check my credit report. I have reached out to the FTC and to my local police department. These items listed are not mine and need to be deleted from my credit report. I am doing this on my own behalf. XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX/XXXX, XXXX XXXX XXXX, XXXX, XXXX/XXXX, Inquiries : XXXX/XXXX, XXXX, XXXX XXXX, XXXX/XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX XXXX, XXXX, XXXX/XXXX, XXXX/XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX/XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX. XXXX XXXX XXXX, XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: CA

Complaint narrative:
The loan in question, unfortunately defaulted. I had made payment arrangements with the collection agency after being threatened with a lawsuit. The payments now are being taken on a different date than originally agreed upon causing me to fall behind on more bills. I have Attempted on multiple occasions to reach them via telephone with no success. The collection tactics used were unnecessary. I was threatened with a lawsuit and advised that my employer would be notified of this issue. I was also threatened to be served with the lawsuit papers specifically at my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Professional Bureau of Collections of Maryland, Inc., GREENWOOD VILLAGE, CO Branch
State: FL

Complaint narrative:
The collection agency " Professional Bureau of Collections of Maryland '' have been reporting a collection account on my credit file since XX/XX/19. I requested validation of date on XX/XX/19 via certified mail and sent a 2nd validation request on XX/XX/19. I also spoke to a representative on XX/XX/19 at XXXX who verified receipt of the validation request and stated " the request has been sent to the original creditor, we are awaiting the documents ''. During this phone conversation the company also attempted to negotiate a settlement amount which was refused by me as I want to validate the debt first. It is now XX/XX/19 ( two months ) since I requested validation of this account and have yet to receive anything. In both letters my mailing address, email address, and phone number was provided to the company so there is no reason as to why I have yet to receive a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC.
State: GA

Complaint narrative:
I agreed to {$190.00} per month and now it has increased to {$290.00} through Navient because of an error on their part.

Company response to consumer: Closed with explanation