vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
As the executor of my father 's estate, I wanted to continue using the two bank accounts he already had set up with Wells Fargo. I conveyed this desire to the Wells Fargo banker when I set up the estate account ( last 4 digits are XXXX ), and he said there was no problem with that, and we set up the account. I would estimate that a few months ago, I received a phone call/letter from the insurance company that was being paid out of my dad 's old checking account. The auto payment that was set up had bounced back. When I contacted Wells Fargo about it the first time, they tried to tell me it had nothing to do with my accounts. Then I discovered that my father 's checking and savings account had been locked. Upon further time consuming phone calls and branch visits, I was told that a " back office '' Wells Fargo employee had taken it upon themself to lock my father 's old accounts. After a great deal of wasted time, the banker at the WF branch next to the XXXX XXXX XXXX XXXX in XXXX XXXX CA told me that my only option was to close my father 's 2 accounts and move the funds to the estate account. This was NEVER raised as a problem when I first opened the estate account with Wells Fargo, and the banker who I did it with clearly knew that I was also managing my deceased father 's two accounts. Wells Fargo also mailed a check to my father for {$25.00} which I unfortunately mis-placed. Unfortunately, the letter that accompanied the check did not state what it was for. I can only speculate that perhaps his local branch had opened accounts he did n't know about. My efforts to have Wells Fargo re-issue that check have been blocked every step of the way. I 've worked with XXXX ( sp? ) at the XXXX XXXX branch, who had put in multiple calls to his Wells Fargo colleagues during the past 2 months, but alas, has nothing to show for it. I 'm disappointed that : A ) Wells Fargo did n't tell me originally that it would be an issue to keep my father 's checking and savings account open. B ) I learned that they froze his accounts- not because Wells Fargo staff contacted me to tell me, but after my insurance company 's auto-pay transaction did not go through b/c Wells had frozen it. And, the first time I called to ask about this, the Wells Fargo person erroneously told me the bank had nothing to do with the transaction not going through. C ) Getting a simple check re-issued for {$25.00} has turned into a saga with Wells Fargo, and even working with a local banker, it appears to be impossible.

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 2017-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Skopos Financial, LLC
State: TX

Complaint narrative:
We purchased a used car from XXXX in XXXX Texas in XX/XX/XXXX. The car value was at {$23000.00} The interest rate was high but due to credit we accepted with the understanding that we could refinance in a year. Skopos Financial informed us that they do not refinance and that if we would go to an outside company we would have to get finance for the value of the car and their interest rate. The car was reposed in XX/XX/XXXX due to non payment because they were not willing to lower the rate, refinance nor allow us to refinance with another financial instate. A company should not be allowed to set the interest rate the same as the value of the purchase. The car depreciated and yet we still owe them {$23000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Annual fee charged after AMEX representative promised refund. American Express charged my card an annual fee on XXXX XXXX, 2017. I called them on XXXX XXXX, 2017 at XXXX to cancel the card, within their grace period for refund on cancellation. When I spoke to the representative I requested to cancel my card and requested refund for the annual fee. During the call the representative suggested I leave the card open due to a pending trip booked using the companion certificate issued by AMEX and Delta Airlines. The representative said their refund policy is lenient and suggested I call back after the trip. On the call I confirmed annual fee would be refunded if I called after the trip at XX/XX/XXXX. When I called after the trip to request a refund I was told they needed to review the original call before they honor the refund. I was told a manger would review the call and contact me within a week, I did n't not receive a call. In the mean time I was charged interest and late fees. I called back 3 times after and got the same response, " a manager will review the call and get back to you within a week ''. On XXXX XXXX, 2017, I was told there is no record of my call. I was able to review my phone records and pinpoint the date of the original call on XXXX XXXX, 2017. I would have cancelled on XX/XX/XXXX for a full refund if not suggested by the representative. Since the call was recorded for minoring and training purpose they should be able to review the call. Especially since in my subsequent call I was told a manger will review the call and contact me. But after many attempts I have n't received a call back. I ended up paying the interest and annual fee to avoid further interest and late charges. I believe if an agent of the company suggested to delay the cancellation and will be refunded later, the company should honor word of their agent. I will create a page on XXXX to make other consumers aware of their action. I hope CFPB is able to request AMEX to review the call and listen to the conversation and honor the what was discussed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-08-04 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: AL

Complaint narrative:
I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: AL

Complaint narrative:
I have sent multiple letters to the creditor and CBs about the unknown and unauthorized inquiries on all three of my CB reports! I have called the CBs multiple times and spent several hours on the phone disputing information that was n't mine : multiple addresses ( unknown ), multiple names, multiple social security numbers, as well as phones number 90 % of all my personal information is incorrect! I 've asked for letters of validation from creditors and CBs ; with zero response from the creditors and the CB always saying it 's verified- but never shown proof! When I asked about removing all the incorrect personal information they said I had to reach out to the creditors to clear that up ... and inquiries that I do n't have any idea of they said inquiries are fact, regardless if do it or not, and I needed to contact the creditors -- - THIS HAS BEEN GOING ON FOR 2 years and I do n't know what else to do! Please help! I 've sent all kind of letters and called and sent letters and called -- -- NOTHING!

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on Equifax, and XXXX on XXXX and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for XXXX XXXX XXXX XXXX-XXXX which are XXXX on XXXX, and XXXX on Transunion and XXXX but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of this bankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.

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 2017-08-04 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: AL

Complaint narrative:
Roughly around XXXX 2016 Transunion had a glitch in their system which removed all of my inquiries! And the were re add back without written notification 5 days prior to re adding them! I know my rights and I would appreciate if you will help me enforce these rights

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 2017-08-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have filed multiple disputes, and requested multiple times VALIDATION of this bankruptcy reporting on credit report that it belongs to me but they failed to provide me the proper documentation except " verified ''. I have called the different numbers listed on my credit report from all 3 credit bureaus for FL FED Bk CT-XXXX which are XXXX on XXXX, and XXXX on XXXX and Experian but yet all these numbers are disconnected or not in service. I fear that this bankruptcy is being reported wrongly on my credit report and since they are unable to properly VALIDATE THIS INFORMATION WITH THE CORRECT SIGNATURE AND PERSONAL INFO, I am requesting an immediate removal of thisbankruptcy from my credit reports in all 3 credit bureaus as it is negatively big time affecting my credit score.

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 2017-08-04 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CL Holdings LLC
State: TX

Complaint narrative:
I have a collection account listed on my credit report twice by the name of " Jefferson Capital System ''  original creditor " XXXX ''. " Jefferson Capital System '' is n't licensed in the State of Texas and therefore I 'm disputing this collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from XXXX Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and Capital One Wont Still Remove This Account And Investigaion was Filed againts Capital One XXXX 2017 and Capital One Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my XXXX report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
This creditor/collection agency is re-aging this account as if it is new debt and is illegal under the FDCPA and the FCRA. The debt is much older and statute of limitations has elapsed on this debt. This company is showing this on all 3 of my credit bureaus as recent debt. 
This agency admits to getting the loan in XX/XX/XXXX. However, the delinquency was in XX/XX/XXXX. This is still reflecting on my credit report as XX/XX/XXXX, which is still violating FCRA and FDCPA.
The agency states the loan was done in XX/XX/XXXX. The original debt was created in XX/XX/XXXX, which is 7 years ago.  This exceeds the credit reporting timeline. The agency should provide my initial original loan application with my original signature. The agency continues to report inaccurate date and has yet to provide proof of debt. The agency continued to harass my with calls and threats to destroy my credit. The did not state who was the original creditor. It appears they did not care until I filed these complaints. 
I need to see a copy of this agency 's surety bond per the Texas Finance Code. In addition, XXXX was under investigation from a probe by the US Federal Reserve and Office of the Comptroller of the Currency found that there was " significant potential for unreported money laundering or XXXX financing, which they admitted and paid a fine. This debt is invalid due to it being associated with criminal activity. My initial loan was with XXXX it was not with XXXX XXXX. All documentation this agency continues to send it with XXXX XXXX. I have no application or contract with XXXX XXXX. This debt is not a valid debt as there was no mutual agreement with XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some Voice Calls Match Mines and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem 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 2017-08-04 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I was a victim of identity theft. I recently learned that my personal information was used to open an account at your company. I did not open or authorize this account, and I request that it be closed immediately. and to be remove from CheckSystem Please send me written confirmation that I am not responsible for charges on this account, and a police investigation is in progress take the appropriate action and remove my information about this account from my credit file. I File A Police Report and XXXX XXXX Wont Still Remove This Account And Investigaion was Filed againts XXXX XXXX XXXX 2017 and XXXX XXXX Denied The Investigaion and Claim that Some XXXX XXXX XXXX XXXX and is False Statement and they are not going to Reinvestigate this account and that the charges will remain on my checksystem 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 2017-08-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: DriveTime
State: FL

Complaint narrative:
I recvd an auto loan from DriveTime in XX/XX/XXXX for a XXXX XXXX XXXX. The vehicle was to be used for work/home. Unknowingly, the vehicle was one with several recalls that caused the vehicle to constantly have issues that impaired the quality and driving of the vehicle. These issues also required me to take off work for repairs under their limites warranty service agreement. The loan was provided at a high interest and overtime, I notice the owed amount never reduced and I struggled to Mantain payments. The loan was then seemingly turned over to XXXX without my knowledge or consent. Their customer service is poor and collection tactics unethical. I constantly try to understand why The loan is still averaging {$16000.00} for a car that is worth {$4000.00} on today 's market. The reps continue to say this is what I agreed to. I believe I am a victim of a PREDATORY LOAN. I am in the process of modifying the loan so I can get leeway on the payment that are $ 400+ a month. However, the service rep XXXX XXXX was very rude and nasty towards me trying to understand why the loan originality dates did n't match up on the documents and that of the account online. Theywere pressuring me to sign the documents before the allowed 48 hour time frame and he continued to call and email and text me within that 48 hour frame that the approval for a modification was recvd. I  still have no answers to understanding the loan or why all these payments have n't reduced the owed amount. I also dont know why the loan is extended for another 3 years. I dont think I should be paying for a XX/XX/XXXX recall all the way until XX/XX/XXXX. That 's kind of scamy scary business. I need justification and clarity

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 2017-08-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The lender is XXXX which is not reporting the correct balance and that is effecting my credit score significantly. I opened an investigation with Trans Union and they did n't change the balance saying the balance was correct because the lender said it was correct and the case was closed with the same incorrect balance on XX/XX/XXXX, the case was opened on XX/XX/XXXX. The balance is XXXX as of XX/XX/XXXX in my credit report but as of XX/XX/XXXX the correct balance is XXXX I called Trans Union and complained to XXXX which claim was a supervisor on XX/XX/XXXX at XXXX XXXX XXXX and asked him why Trans Union is reporting a false balance and he said because XXXX said it. I told XXXX it was insane to report the same balance 3 months after the account was opened and that they needed to be honest but he said wo n't change the balance and period. I asked why the screenshot that I submitted within Trans Union dispute section was not presented to the lender - XXXX and XXXX said they do n't use screenshot so I asked why they do do n't ask about my balance sheet or payment record from XXXX and he said they do n't do anything other than ask the balance and whatever the lender say that is what is going to be in my report no matter what I say. The government should have a law that ensure the report is accurate because the financial damage that a false report cause to consumers is extremely devastating.

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