vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: VT

Complaint narrative:
Wells Fargo Line Of Business Escalated Complaints Acknowledgement & Case Manager Introduction Thu, XX/XX/2020 XXXX XXXX ( XXXX XXXX To : you Details Dear XXXX XXXX, We wanted to let you know that we have received your inquiry, and our research team expects to provide you with a resolution within 10 business days from XX/XX/2020. 

As part of researching your concerns, we may be reaching out to get more information but were here to help with any questions you have along the way. If you have questions, please do not respond to this message using the Reply button ( replies are not monitored ). Instead, we can be reached at XXXX from Monday through Friday, XXXX XXXX. to XXXX XXXX. and Saturday, XXXX XXXX. to XXXX XXXX Mountain Time. 

For reference, your case number is XXXX Thank you. 
We appreciate your business. 

Wells Fargo Executive Office Wells Fargo, N.A. Member FDIC I have made several phne calls to Wells Fargo and tried to resolve the issue. They do not call me back and do not even email me. I was hung up on a call today XX/XX/2020. I have a XXXX retirement account with Wells Fargo and attempted to set up an online account to access it. The person who originally set up account was ok. My quarterly by mail paperwork that comes from Wells Fargo Retirement Services suggested to open an online account to access up to date information on this account. I did so. It also talked about 2 step authentication for added security. When I attempted to set up 2 step authentication my account got locked.It has been 3 weeks and employees at Wells Fargo I have spoken to do not know how to fix problem. They tell me I must visit a branch to resolve issue. I worked for XXXX and they have hundreds of employees all over XXXX XXXX in states with no Wells Fargo Banks. Are all of us not going to be able to access our accounts online? All I asked them to do is unlock account and help get 2 step authentication set up and they don't seem or are unwilling to do so. This is the worst bank I have ever dealt with in 40years of banking. They have very unprofessional and ignorant people who can not properly give excellent customer service. They closed my last case above saying I need to go to a branch to get it resolved.Lowes should consider replacing Wells Fargo as there Retirement Account Manager.

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 2020-08-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I filed a dispute with the credit reporting agencies in regards to inaccurate information reporting on my credit reports. I never received any notifications in regards to the investigation results. It has now been over 30 days, I filed a 30 day demand to comply with the credit bureaus and still have yet to receive any response. 

Initial dispute sent XX/XX/2020 30 Day demand to comply sent XX/XX/2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Problem with personal statement of dispute
Company: Conn's, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX a 30 day late was reported to credit bureaus. I am a great person and have gave a ton of service to conns with more than 4 perfect satisfied accounts. I made one mistake 5 years ago and asking to have this reporting removed so I can achieve the American Dream of becoming a first time homeowner and this is preventing me from doing so. I deserve a 2nd chance. its already been 5 years on my credit, please remove 2 years early and help me become a homeowner.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
All credit bureaus are reporting accounts that are closed and still being seen on my credit report. I have contact these agencies due to fraud and identity theft cohesion to damage my consumer reports. However, all bureaus have not done their due diligence to thoroughly investigate closed accounts.

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 2020-08-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ERC
State: MO

Complaint narrative:
2017 debt owed to XXXX XXXX XXXX XXXX ( acct # XXXX ) of {$1000.00}. Went to collection with XXXX ( acct # XXXX, ref # XXXX ). They offered a settlement of {$810.00} which I paid XX/XX/2017 ( confirmation of payment # XXXX ). I have been getting periodic letters of collection for {$200.00}, the amount that was forgiven with the settlement ( XXXX ). I have received periodic letters of collection for {$200.00} over the last 3 yrs. On XXXX I spoke with XXXX XXXX. After 90 min on the telephone they confirmed that I did not have an open account with them and that they received the payment from XXXX on XX/XX/2017. XXXX XXXX XXXX also told me that they could do nothing to resolve the acct because it is closed and that I would have to call XXXX to resolve. I have called XXXX numerous times only to get a recorded message. ( Good luck to me its is a pandemic ) My latest collection is from ERC for {$20000.00} ( XXXX XXXX XXXX XXXX acct # XXXX, ref # XXXX ) Frustrated and angry!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Tried to refinance adjustable rate mortgage of my condo to 30 years fix. Decided to go with Wells Fargo due to already being their customer for 15 year. Initiated application by phone on XX/XX/2020. Paid XXXX dollars. Quickly submitted tons of requested material. On XX/XX/XXXX received e-mail with demand to take our condo from market. Decided against it. Was told only partial refund will be given back to my credit card. FEELING BEING CHEATED by WF. Was not properly informed about refinancing of property listed for sale, only at the end of the process that became an issue.

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 2020-08-07 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
EXPERIAN IS NOT INVESTIGATING MY ISSUE THEY ARE CLOSING OUT MY COMPLAINTS IN ONE DAY OF RECEIVING IT STATING IT IS NOT ME XXXX XXXX FILING THESE COMPLAINTS! I WANT THIS MATTER FIXED ASAP! 
I HAVE SUBMITTED MY POLICE AND IDENTITY THIEF REPORT TO EXPERIAN CONCERING TWO ACCOUNTS WITH STATES EMPLOYEES CREDIT UNION AND COMENITY WAYFAIR SOMEONE OPEN THESE ACCOUNTS IN MY NAME WHICH ARE APPEARING ON MY CREDIT REPORT THE REP STATED THEY RECEIVED AN APPLICATION IN MY NAME WHICH IS FRAUDULENT EXPERIAN IS TELLING ME I OPEN THE ACCOUNT IN WHICH I DID NOT MY IDENTITY WAS STOLEN. THEY REMOVED AN DELETED THIS ACCOUNT FROM MY REPORT AN IT REAPPEARED ON XX/XX/XXXX THE COMPANY SUPPLIED FRAUDULENT DOCUMENTS. EXPERIAN IS NOT THE POLICE OR FTC WHOM HAS INVESTIGATED AN DETERMINED I AM NOT LIABLE AN I AM A VICTIM OF IDENTITY THIEF

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 2020-08-07 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: CA

Complaint narrative:
Someone in XXXX and Transunion credit bureaus keeps changing my address without my consent. I deposited the information 22 times. I filed two police reports. 

XXXX  XXXX  XXXX, XXXX/XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX/XXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, gave me two letters of release stating the debt wasn't mine XXXX and Transunion keep putting these fraudulent accounts back on my credit. These accounts called the credit bureaus with me but they said they can't do third party calls and hung upon us. This is how my identity is stolen 12 times in the last 20 years through XXXX. 


My correct address is XXXX XXXX  XXXX  XXXX XXXX  XXXX. XXXX, XXXX My name is XXXX XXXX XXXX My phone number is 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 2020-08-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am applying for a mortgage refinance with Wells Fargo. 
The agent emailed my tax returns including my SSN and the SSNs of my spouse and children, over insecure, unencrypted email.

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 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2020 I opened a TD checking account with a promotional offer of {$300.00}. I completed the requirements on XX/XX/2020 as shown on my statement. TD Bank is refusing to honor the bonus due to the fact that my account was opened when the promotion wasn't active. This is completely false. I have attached the promotional terms on the day I opened the account showing the offer expires on XX/XX/2020. The offer is still active now at https : //checkingbonus.tdbank.com. 

I also attached messages showing my attempt to resolve with TD where they made their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received onXX/XX/XXXXenclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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 2020-08-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Ive submitted several disputes in the past via mail, phone call, and online if available. The issue I was reporting is the balance of the creditor ( XXXX  ) should be reported into the Bankruptcy. This is the only account that is not showing in the bankruptcy that has a proof of claim of being included In the bankruptcy. Ive called the creditor ( XXXX  ) of the issue and provided me a number of their bankruptcy cases attorney. I explained the issue to them and they referred me back to the credit reporting agencies and the creditor. I have been bounced around several times without resolution. I have the documents the creditor ( XXXX ) submitted for proof of claim in the bankruptcy. The results keep coming back as verified when : # 1 the account is closed and referred to their bankruptcy attorney # 2 Keep incrementing payments when proof of claim is in Bankruptcy

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 2020-08-07 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 sent in a dispute letter asking to send me a contract with my signature that they used to verify accounts that have been posted on my account or delete the accounts off of my report that has not been verified, and the company has not complied with my request, I have sent this letter to them 31 days ago and I have not heard anything from the company, they have ignored my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I have been a member of American Express since XXXX. In XX/XX/XXXX, they unilaterally reduced my credit limit by {$12000.00} - from {$19000.00} to {$7000.00} - bringing my limit within a few hundred dollars of my balance. The first time I used my card since XX/XX/XXXX was not until I traveled the first week of XX/XX/XXXX. When I checked into my hotel, my account immediately was over the credit limit, which shocked me. I did not receive notice of the reduction.I contacted American Express and the representative indicated communications would have been sent to me but has no record of a letter or email and they are telling me my time to appeal the decision has expired. I have no derogatory marks on my credit report, I have paid this trade line and all my trade lines on time since the beginning of my credit history, I have had no break in employment and my salary is over $ 200k annually. I rely on this card for travel. 

This reduction in my credit line has had a severe impact on my credit score, which has caused me harm because I recently applied for a mortgage pre-approval and was told my rate would be significantly higher because my credit score decreased to under 700. The practice of unilaterally decreasing a credit line by this substantial amount and so close to the balance is a unfair and deceptive practice, which has resulted in consumer harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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: AR

Complaint narrative:
I was trying to purchase my first home and I decided to go through a first-time homeowners program because I needed help with the process. They pulled my credit to see where I was standing with my score. As they reviewed my report, they told me I had some derogatory items on my report. These suspicious accounts on my report are not mine. They are fraudulent and need to be removed. I never applied for these items. XXXX  XXXX {$430.00} XXXX XXXX {$16000.00} XXXX XXXX {$27000.00} XXXX  XXXX  XXXX {$420.00} XXXX XXXX   XXXX {$630.00} XXXX XXXX XXXX XXXX {$91.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: PNC Bank N.A.
State: MI

Complaint narrative:
When trying to connect the app XXXX to my Pnc account it refuses to let me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-07 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1200.00}, {$880.00}, {$100.00}, {$0.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XXXX  XXXX, XXXX enclosed with this letter. 
In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 

-- CLOSED ACCOUNTS 1. XXXX  XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$1200.00} -This is not my account. 

2. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$880.00} -This is not my account. 


-- OTHER ACCOUNT 3. XXXX  XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$100.00} -This is not my account. 


-- AUTO ACCOUNT 4. XXXX XXXX XXXX CO with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account.

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