vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-03-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
To Whom It May Concern : I am writing this letter in regard to incident theft which was discovered by me on XX/XX/2019. I have been banking and had safe-deposit-box with WELLS FARGO branch in XXXX, CA ( XXXX XXXX XXXX XXXX, XXXX, CA XXXX ). I have been saving most important and valuable objects at this branch SAFE-DEPOSIT-BOX, thinking that there is no other place that my staff can be kept safer, but it turned out that is not quite true. My box was drilled in XX/XX/2019, I was told that it was a human mistake instead of drilling another customers box they drilled mine and took all my belongings. I was in a shock ; I was frustrated but the branch supervisor insured me that I will get all my belongings in the good condition. But unfortunately, I had not only got damaged items but also missing items. I was told that in order to process the claim I need to submit several documents : affidavit, police report, proof ownership, appraisal of the damaged items. I had provided all the possible documents they asked me and after several months of the investigation, which should have taken 30 days by the way, they informed me that the claim will be denied unless I claim to my insurance. I have been cooperating with the branch manager, as well district manager to resolve the issue. Once I discovered, I was approached by the branch manager ; therefore, was assured that they will investigate their fault, and resolve the matter. Since then I have been battling with them, trying to understand the delay, and their lack of professionalism. I would never think that WELLS FARGO BANK being very reputable, and known bank would make such a mistake, and make things more complicated, they dont even care that they had violated my privacy, because they want to escape the responsibility they are asking me for more documents which I have never been told. 

I am just asking for your help, to look into my matter with much more thought. Please investigate thoroughly and help me to end the nightmare which I have been dealing with for about 6 months. 

I would like to thank you for your valuable time and am hoping that your investigation will finalize my matter in a timely manner. 

Please find all the attached documents presented to WELLS FARGO BANK, thus if you need more details in regard to the process, please dont hesitate to contact me. 


Sincerely Yours, 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 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Gurstel Law Firm, P.C.
State: UT

Complaint narrative:
I was sent a letter from Gurstel Law offices in MN  and they said they were acting on behalf of XXXX XXXX XXXXXXXX and attempting to collect a debt. They served me a Summons and said that I was being sued because of this debt. They would not answer any of my calls or emails. This information was put in the letter head for me to contact them however after several attempts I never was able to speak with anyone. I was asking for proof that this debt and as stated " 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 ''. This information was never provided. I was in the middle of closing on the sale of my home and they entered in a Judgment and I was not able to close the home without this judgment being paid from proceeds of the home sale. They took that money and have not communicated with me regarding this account with XXXX XXXX XXXX. They never reached out to me in any way. They have a fraudulent account according to law if they can not bring to me a physical, signed copy of my agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: NY

Complaint narrative:
XXXX XXXX added derogatory marks on my credit file the amount was {$760.00}. I initially disputed it in XX/XX/XXXX Ive never had a XXXX account. ( at that time another collections company called contract callers had this account. ) which I disputed with all three credit bureaus and contract callers the results from that dispute was the deletion of this erroneous debt. 

On XX/XX/XXXX I was notified by my XXXX app that ( ENHANCED RECOVERY ) been re-inserted into my credit file. You are required to notify me within five ( 5 ) days of re-inserting a previously deleted item. I did not receive any such notification. Please delete this item immediately. I dont have a signed contract nor any with ENHANCED RECOVERY. I have never done business with this company. I am not liable for collection from this debt from XXXX XXXX. I am not responsible for this debt from ENHANCED RECOVERY.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: California Business Bureau, Inc.
State: CA

Complaint narrative:
Company did not validate debt as stated in the Fair credit reporting act.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: NJ

Complaint narrative:
I have written this credit bureau about a name listed on my credit file " also known as '' XXXX XXXX XXXX XXXX is incorrect. I have supplied proof as well as a written request. 
I contacted TransUnion customer and was told the name XXXX XXXX XXXX XXXX was reported by a creditor who verified my name address and social security number. 
I have disputed this creditor in the past and asked for the method of verification TransUnion used to verify this is indeed my information from this creditor. 

TransUnion refused to provide this information. TransUnion is in violation of FCRA, there was no 26 point inspection before agreeing to post this information posted to my credit file. 
TransUnion refuses to provide any proof of verification, method of verification or result of an investigation. 

ALL DOCUMENTATION OF IDENTIFICATION IS ALREADY ON FILE WITH THIS CREDIT REPORTING AGENCY.

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 2020-03-12 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:
XXXX  ; XXXX  and Transunion are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-12 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: TX

Complaint narrative:
XXXX  ; Experian and XXXX are reporting incorrectly that I am ( 60 plus ) days late on the XXXX XXXX  partial account number XXXX. ( Please see page attached from my credit report. ) I have never missed any scheduled payments on this account. The lates that are reporting is incorrect and need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-03-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV

Complaint narrative:
Applied for the credit card below with the new card sing up bonus was not given one. I was told capital one does not know the reason why but I don't get one. 
-- -- -- - New Cardmember Offer Earn a one-time {$150.00} cash bonus once you spend {$500.00} on purchases within the first 3 months from account openingfootnote22 -- -- -- - I satisfied all conditions and yet capital one refuses to give me the new member card sign up. I called multiple times to have the customer service explain why, but they don't know. I was told XX/XX/2020 by a existing account supervisor that what I saw under the application terms and conditinos changed once I clicked apply. because during the credit check process terms and conditions change. and I didnt get the " new card member sign up bonus '' since my " new terms '' that capital one generated when they approved for my card does not come with it. 

I as a consumer applied for this card reading and agreeing to " application terms and conditions '' I do not expect the compnay change the " terms and conditions '' during the approval process. 

I had a separate complaint for another offer not being granted for the same card. capital gave me a different term and condition sheet which I never saw or agreed to during the applciation process. Stating that 'this is what you agreed to '' but that is not the term I read and sign up for online. I applied through capital one website below where in the " application terms and conditions '' it clearly states new card sign up bonus will be granted as long as you satisfy the conditions which I do. 

https : //applynow.capitalone.com/? productId=9125

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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 am sending request to investigate all accounts which are not belong to me and were opened like a fraud. If you do not have proofs that are mine, please remove as soon as possible from credit 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 2020-03-12 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: FL

Complaint narrative:
I am sending request to investigate all accounts which are not belong to me and were opened like a fraud. If you do not have proofs that are mine, please remove as soon as possible from credit 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 non-monetary relief
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
I keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: CA

Complaint narrative:
My original loan was with XXXX XXXX who sold it to Loan Care, and since then I have had nothing but problems. First, I have now and have always had insurance on the property. However, Loan Care placed lender insurance on the property because they said they didn't have all the insurance documents they needed even though I provided everything they requested and followed all of the steps they told me to take. 

At the same time, they placed an escrow account on my loan and raised my payments in order to cover their lender placed insurance. I have spent HOURS on the phone with them trying to resolve this and ave the escrow account removed, lender insurance removed, and my payment reduced back to normal. I was told they were handling it and to pay my normal payment which I did. But then I found out they sent me to their collection department because I didn't pay the full amount. In other words, the didn't " handle it '' and they continue not handling it despite my multiple attempts to get this resolved. Last Saturday I was on the phone with them for over 4 hours! I was transferred several times to different people and their phone system hung up on me 3 times. I also have letters from them stating the issue of insurance has been resolved. 

But it gets worse for me. They've ruined my credit. Now, when interest rates are very low, I am in the middle of trying to refinance 3 loans on 3 separate properties. When I checked my credit score over a week ago, it was XXXX. But, much to my surprise, my loan broker called me yesterday and my credit score was down in the 600 's! My credit has been ruined and I can't refinance my loans as a direct result of Loan Care 's negligence and completely inadequate and inept customer service. 

Again, none of this is my fault. I have always carried insurance and I've always paid on time. Loan Care should have NEVER placed insurance, NEVER added and escrow account, and NEVER sent me to collections. But, nevertheless, they did despite all of my conversations with them and despite their assurances that they were taking the necessary steps to resolve the issue, removing the escrow, etc. Now I'm paying the price, both in terms of my financial health and my emotional health. The stress they've caused me is unbelievable and totally unnecessary.

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 2020-03-12 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: GreenSky, LLC
State: FL

Complaint narrative:
On XX/XX/XXXX we met with XXXX XXXX ( XXXX ) of XXXX XXXX ( XXXX ) and agreed to purchase hurricane proof replacement windows for our home totalling {$30000.00}. We agreed to this purchase based on the financing offered through GreenSky Program Plan XXXX, where the first 18 payments would be reduced to " interest only '' or {$150.00}. After the initial period the payments would be {$300.00}. On XX/XX/XXXX XXXX called us by XXXX to say our loan was approved. 

After the windows were installed I received the consumer note that showed the full payment amount due for the length of the loan with no reduced payment for the introductory period. I contacted the bank customer service department at XXXX where I was informed my first 18 payments should be {$150.00}, which agreed with what we were initially told. That the paperwork we received was wrong and would be corrected. 

We received our first statement where the payment amount due on XX/XX/XXXX is {$340.00}! I contacted customer service where I spoke with " XXXX '' who informed me the plan XXXX we applied and was approved for ended on XX/XX/XXXX and our loan was approved on XX/XX/XXXX and there was no introductory period where the payment was interest only anymore. Sorry. 

I contacted the finance manager at XXXX XXXX. They were not informed of the change in the program and continued selling it for weeks after GreenSky made the change. They have complained to GreenSky without satisfaction as well. We are not the only consumers damaged by the lack of communication by the bank. 

I am a XXXX XXXX Veteran on a fixed income. We moved forward with this transaction after determining that the initial 18-month period of lower payments gave us time to sell and close on property we still own in Ohio. Now we are faced with financial hardship making higher payments than promised and budgeted for. 

I feel that XXXX XXXX  and myself did our due diligence. Without information from the bank to the contrary, it was reasonable for us to believe the program was still in force and we were reasonable to anticipate the payment program we agreed to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Clark County Collection Service
State: CA

Complaint narrative:
In XX/XX/2016 I was charged a collection on that is just now appearing on my credit profile. J in didnt even use XXXX XXXX XXXX. 

I now live in XXXX this is from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
Dispute : XX/XX/2020 CFPB Capital One Incorrect account balance : {$250.00} I contracted the services of XXXX XXXX XXXX, XXXX a debt consolidation company to assist me with the consolidation of debts that were causing me great financial hardship due to a decline in my income due to a reduction of hours worked for health reason. The program I committed to enabled the payoff of debts to ( 7 ) creditors, one of which is Capital One with an original debt of {$250.00} I have just completed my accounting for tax purposes and found that I have paid {$200.00} to the creditor via the consolidation program and my balance now due is {$56.00}. 
I have continually made my payments on time to this company and paid more than the agreed monthly payment amount and I have never received an update statement requested each month outlining my balance although I have contacted the company over the last 6 months and have not been able to receive a response to any of my communication. 
On XX/XX/2020 I wrote to the creditor and offered my promissory note and payment arrangement which was sovereign certified because it had come to light that the consolidation company is no longer trading and is under investigation for Fraud and Deception by the FTC. 
It has also come to light that my payments made to the creditor via this company were never applied to my debt which now has negatively impacted the balance owed. 
My direct offer made to the creditor on XX/XX/2020 to pay off a remaining balance of {$250.00} in installments was declined by the creditor of which I am grateful as my financial accounts highlights that balance was incorrect and if accepted at that time I would be liable for paying far more than what is actually owed. I request that the amount owed be corrected to reflect the payment made of {$200.00} via the consolidation company and report the actual correct balance of {$56.00}. 
Please see attached signed Agreement page for debt consolidation program and the date of the agreement.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-12 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: CA

Complaint narrative:
I keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.

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 2020-03-12 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: CA

Complaint narrative:
I keep having these collection accounts pop up on my credit file that do not belong to me. I have medical insurance so i'm not sure who is using my personal information to obtain medical attention.

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 2020-03-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
On XX/XX/2018 I put a lock on my credit reports from Experian, XXXX and XXXX XXXX. Late last year I received an email from Experian that my lock had been removed. I did nothing to cause this, and tried to call them to find out what is going on. There is no way you can talk to a live person at Experian. But I did get emails from them regarding my account??? On my XX/XX/XXXX credit card statement there is a charge from Experian for {$19.00} for looking at my credit report, again???. When I called my credit card company, they put the amount in dispute, but also advised me that {$19.00} will be billed each month and I need to contact Experian to have it removed. So far, I haven't been able to talk to anyone at the company to find out what caused this to appear. 

I don't know where to go from here. I've had no problems with XXXX  or 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