vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-08-17 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2020, I was victim of a scam. A supposed employer send me a fraudulent check worth of {$2500.00} which I deposited into my Wells Faro account. After that the employer asked me to send a cashiers check for {$2000.00} to a third party which I did on the same day. 
The following day I realised I was scammed and I reported it to Wells Fargo.After investigation, Wells Fargo did not offer me any scam victim protection and closed my case.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Made attempts to have fraud alert removed from all major credit bureaus. As of today, fraud alert remains, unable to dispute unfamiliar items. With the notations on the credit profile, my credit profile is compromised.

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 2020-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Made attempts to have fraud alert removed from all major credit bureaus. As of today, fraud alert remains, unable to dispute unfamiliar items. With the notations on the credit profile, my credit profile is compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: MS

Complaint narrative:
This is my second attempt to resolve this issue. My name is XXXX XXXX and this complaint is filed by me. Experian will not investigate my claim. They responded by saying it was not me which is an insult to my intelligence and ability to read the FCRA that I used to help me. 

Please remove all late payments from my mortgage account. I account in forbearance and should be reporting late. I have never been late.

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 2020-08-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX  XXXX {$1500.00} XXXX  XXXX  XXXX {$66000.00} XXXX XXXX XXXX {$20000.00} XXXX XXXX XXXX  XXXX {$0.00} XXXX XXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXX {$64000.00}

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 2020-08-17 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: AR

Complaint narrative:
This is the first time I have encountered identity theft. I pulled my credit for myself and there are a couple of fraudulent accounts that do not belong to me. Also, there ae several inquiries on my name. I have not given anyone authorization to pull my credit. I have taken measures to make sure no one tries to open anything under my name again. Please remove these unknown accounts from my reports as soon as possible. XXXX XXXX XXXX XXXX {$76000.00} XXXX XXXXXXXX {$1500.00} XXXX XXXX XXXX {$66000.00} XXXX XXXX XXXXXXXX {$20000.00} XXXX XXXX XXXX XXXXXXXX {$0.00} XXXX XXXXXXXX {$230.00} XXXX XXXX XXXX {$37000.00} XXXX XXXX XXXX  XXXX {$49000.00} XXXX XXXX XXXX  XXXX {$87000.00} XXXX XXXX XXXXXXXX {$64000.00}

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 2020-08-17 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 received a call from a student loan company stating about a debt I owed. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave any one consent to open. Please delete these items from my accounts as soon as possible. XXXX XXXX XXXX {$550.00} XXXX XXXX XXXX {$850.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX {$850.00} XXXX XXXX XXXX {$1300.00} XXXX  XXXX {$1100.00} XXXX  XXXX {$1200.00} XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$480.00} XXXX XXXX XXXX {$410.00} XXXX XXXX XXXX {$470.00} XXXX XXXX XXXX {$380.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX {$1300.00} XXXX XXXX XXXX {$850.00} XXXX XXXX {$490.00} XXXX XXXX {$160000.00} XXXX  XXXX {$15000.00} XXXX XXXX {$4000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
I received in the mail a debit card attached to an account at the Chase Bank. I did not apply for or request this card and I did not have an account at the bank. on XX/XX/2020 I called the bank and had the account closed and the debit card closed. I then spoke to a person in the XXXX department who told me unless I gave them my personal data they would not investigate the incident and declare it a XXXX. They also told me I need to make a police report - which I will anyway or else they would not investigate the incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: OPORTUN FINANCIAL CORPORATION
State: CA

Complaint narrative:
I borrowed {$9000.00} form Oportun on XX/XX/20. As I used this company Several times and always paid my bills on time.so on XX/XX/20 I walk in the office and pay the remaining balance in full in the amount {$8800.00} and the employee name and time my Receipt number is XXXX the young XXXX Employee # XXXX Stated that she owes me {$7.00} back but would have to be mail to me which was odd However they keep Harassing wont take this off my credit report and now my credit report says Im very Delinquent because of this situation and I want it off and fixed on my credit report I talk to 7 different employees on Multiple occasion have all times and dates Ive walked back into the office to scan my Receipt more than once I got the name of the employees who said I paid this loan off already but Oportun/ progresso. FI. XXXX seems to keep Harassing me and calling me Ive tried everything to fix this problem which is tiring because Ive paid my bill have my Receipt employees looked at my receipt and said the same thing so why is there Corporate office giving me a hard time I just want this off my credit reportI and saying I paid in full Dont no where else to turn. Not to mention they tampered with my paperwork 3 days after I make a payment without my permission or Knowledge so if you can please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
As of XX/XX/XXXX I paid this card in full. I am currently considering purchasing a new car however I have been waiting for my credit score to go up. 
As of the XX/XX/XXXX I noticed that they were/had not reported the payment to the credit bureaus ' while the other 7 cards that were paid the same day had. I call XXXX and asked them why they hadn't reported it and they said they would on the XXXX. On the XXXX, today, I checked again and call XXXX and we told that they don't report until the end of the billing cycle. I know for fact that is false, I have another card with the them that showed paid in full right after payment. 
When questioned and escalated to a Manager I complained and asked for a letter today to be faxed to me to state as of today, XX/XX/XXXX that the account was paid in full, they again refused. 
XXXX can not pick and chose who and how they report when this is a case of adverse reporting. 
I would like to file a complaint as to the business practices in respect to the fair reporting act.

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 2020-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: DE

Complaint narrative:
I opened a checking and savings under promotional terms advertised on Citizens Bank 's website https : XXXX? offer= to earn {$300.00} to open a checking account, {$200.00} to open a savings account by maintaining $ XXXX for 3 months and an additional {$100.00} to do both. 

I met all the requirements but only received the {$300.00} checking bonus. I contacted customer service +3 times. Most noticeable was with XXXX XXXX on XX/XX/20 where the {$300.00} was paid out but no mention of the remaining {$300.00}. I contacted CS again and XXXX XXXX replied on XX/XX/20 stating I do not qualify for the bonus because the $ XXXX must be made one-time on the date of opening. I made 3 deposit that added up to $ XXXX and have kept the balance at Citizens for more than 3 months. I spoke to CS over the phone and asked where this is referenced on the XXXX XXXX XXXX XXXX XXXX deflected my question and keep on referring to marketing materials to deny my {$300.00} bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: UMB FINANCIAL CORPORATION
State: NC

Complaint narrative:
I opened an account with UMB Bank on XX/XX/XXXX and was approved after seeing a promotion they had for both a checking and savings account ( {$300.00} promotion for the former ; {$200.00} for the latter with the savings account promotion only requiring a deposit, nothing more ). The promotion was not geographically limited and I was accepted out of their footprint. On approximately XX/XX/XXXX, I was locked out of my account with no contact at all until XX/XX/XXXX when they called and left a voicemail. In an email I received that day, I was told I needed to submit documents proving who I was. The email address they told me to send the emails to bounced back as undelivered.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am a small business in the automotive repair industry. A customer inquired about services and asked if I accepted XXXX. As I was not sure, I logged into my business account and notice that my business account indicated in bold letter " Send Money with XXXX. Send and receive money securely - all you need is an email address or mobile number ''. Relying on this I provided the customer the mobile number and provided the services requested. The customer sent the money of which I received confirmation. I then tried to access the money on Saturday but did not see it in my account. I figured I wait until XXXX  the next business day. 

I called today and was transferred to the online banking department and was told that I would not be able to receive the funds because it was a business account and I needed to provide the account number to the customer to send the money. This is not possible as we do not collect the customer personal information, once we do the services we have no need for the customers information. 

I feel that I have been deceived by WellsFargo and their website/platform as there is no indication that I can not receive money to a business account or that the service depends on the customers bank. I relied on the notification on my business account that all I needed to provide the customer was an email or mobile number in order to receive the money. 

As of now they are indicating that there is nothing I can do. So I am out {$300.00} for the services that I provided. Not only I'm I not getting the {$300.00} for the services, I had to upfront $ XXXX in parts to be able to the the services, as the parts were installed in the customers vehicle. I have spoken to an online banker, then spoken to XXXX, a XXXX in the business department. I have also spoken to XXXX at the customer advocate group to place a complaint about this deceptive business practice, as it leads small business owners/bank customer that they can in fact receive money through XXXX without giving out the account number to every customer. 

I just want to be able to collect for the services that I provided and for which the customer has initiated payment and I have received confirmation that payment was sent.

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 2020-08-17 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: NV

Complaint narrative:
On ( XX/XX/2020 ) I wrote to XXXX  and TransUnion about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2020-08-17 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
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 ) -- OPEN ACCOUNT XXXX. XXXX XXXX  XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -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 2020-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CO

Complaint narrative:
I submitted a complaint in regards to New Rez with the CFPB in XXXX of 2020 Complaint # XXXX I received a response from the company in regards to the complaint where it stated they would spread the escrow shortage/mandatory XXXX. escrow cushion out 60 months instead of the usual 12 months. They said this would be done once our automatic enrollment in the companies forbearance covid plan was over. This automatic enrollment ended on XX/XX/2020, I expected ( as they said they would do automatically ) to receive a new mortgage statement reflecting the changes they said they would made in order to pay XX/XX/2020 mortgage payment. However, I have yet to receive any new statements and when I call the escalations department on their letter they wrote in response to the CFPB complaint, it asks me to leave a voicemail. I have been leaving voicemails everyday since XX/XX/2020, with no response. When I call the regular phone number for loan servicing, the reps state they can't help me only escalations and that I just have to keep leaving messages. 

Could you please help me get a hold of the correct people to work with in regards to this matter? I just need for them to do their job and respond and fix my mortgage so that I can afford it, the way they said they would in regards to my initial complaint. 

I have even called and asked for XXXX XXXX, the lady from their company that responded to the initial complaint, and the representatives responses are all the same ; they can not contact her. I just need for them to fix my mortgage so I can pay.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
On ( XX/XX/2020 ) I wrote to Experian and XXXX about inaccurate accounts on my credit report and still haven't received any investigation results back. Today XX/XX/2020 makes a full 30 days and from what I know they have 30 days to do an investigation.

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 2020-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
Due to COVID-19 an airline flight for which I had paid a ticket was cancelled due to the airport shutting down. I was told I needed to purchase a second ticket for an earlier flight ( the last one out of the country before the airport shut down operations ). I was assured by the travel agent, XXXX, that the cost of the first ticket would be applied toward the second. Despite the fact that I was told that there would be no penalty due to the pandemic, I was still charged a cancellation fee and the entire cost of the both tickets. When my Amazon Chase VISA credit card bill arrived, and I discovered that I was charged for the cancelled flight, the penalty fee AND the second airline ticket, I contested the fraudulent charges for the cancelled flight &  penalty fee, but Chase Visa upheld the fraudulent charges from XXXX. I contested Chase Visas response and appealed their decision. Nevertheless Chase Visa sided with the vendor who defrauded me. I spent days documenting my case and writing my appeals. I have never missed a single credit card payment and charge over {$25000.00} a year on this card, yet Amazon Chase Visa refused to protect me from fraudulent charges as their advertising claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17 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: IL

Complaint narrative:
XXXX and TransUnion credit bureaus keep putting these fraudulent accounts back on my credit. These have been reported and claimed to be not mine.

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 2020-08-17 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:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$0.00}, {$0.00}, {$8000.00}. 
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 ) -- OPEN ACCOUNT 1. XXXX/XXXX XXXX   XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 


-- CLOSED ACCOUNT 2. XXXX/XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$0.00} -This is not my account. 

-- AUTO ACCOUNT 3. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$8000.00} -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