vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I have recently been informed that there is negative information reported by WELLS FARGO in the file XXXX  maintains under my Social Security number. 

I am not just contacting you to evolve in a frivolous dispute for you to validate this claim. I am contacting you because you are in violation of many banking regulations and Federal Credit Reporting Act consumer laws : WELLS FARGO Sec. 3403. Confidentiality of financial records ( a ) Release of records by financial institutions prohibited ( B ) Release of records upon certification of compliance with chapter Sec. 3410. Customer challenges ( all as such ) Sec. 3412. Use of information ( all as such ) XXXX-participating as consumer reporting agency [ ( p ) The term consumer reporting agency that compiles and maintains files on consumers on a nationwide basis means a consumer reporting agency that regularly engages in the practice of assembling or evaluating, and maintaining, for the purpose of furnishing consumer reports to third parties bearing on a consumer 's credit worthiness, credit standing, or credit capacity, each of the following regarding consumers residing nationwide : ] 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] Consumer reporting agencies must correct or delete inaccurate, incomplete, or unverifiable information. Inaccurate, incomplete or unverifiable information must be removed or corrected, usually within 30 days. However, a consumer reporting agency may continue to report information it has verified as accurate.

A credit report includes information on where you live, how you pay your bills, and whether you've been sued, arrested, or filed for 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 explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: M&T BANK CORPORATION
State: NC

Complaint narrative:
On XX/XX/XXXX, the mortgage company informed me that my mortgage was in foreclosure status and I had to pay the full past due amount of {$9500.00} via XXXX XXXX to keep my account from being assigned an attorney. On XX/XX/XXXX, I paid {$9500.00} via XXXX XXXX. The payments were broken down into three payments {$4000.00} - {$1500.00} - {$4000.00}. I had to break them up because XXXX XXXX will only allow you to send a specific amount at one time. All of the payments were sent on the same day. I called the mortgage company from XXXX XXXX and provided them with the tracking numbers. This should have made my mortgage current with my next payment due in XX/XX/XXXX. 
I called the mortgage company about a week and a half later because I did not see my account updated in full ( missing {$4000.00} ). The mortgage company stated they needed to do research on the payment in order to locate it. I have called almost every other week looking for a resolution. The mortgage company has told me on at least three occasions that they were going to initiate a new research on the payment. On XX/XX/XXXX, I inquired as to why it's taking so long to update my account. On XX/XX/XXXX, the mortgage company stated they were waiting for me to send in receipts. However, no one ever asked me for receipts. I then hung up the telephone with the bank and immediately faxed all of the receipts. I followed up with a telephone call the next week to inquire about the status. I was told they received the receipts but again that they needed to research it. On XX/XX/XXXX, I was informed that the research was completed but the money was not located. I then questioned the whereabouts of my {$4000.00}. I was told they were going to research the payment again. On XX/XX/XXXX, I was informed that my {$4000.00} was sent back to XXXX XXXX on XX/XX/XXXX and my account is still behind. XXXX XXXX informed me that the {$4000.00} check they sent to the mortgage company was cashed and they do not have a record of the monies being returned. 

Concerns : Only two of the three payments were posted in XX/XX/XXXX although all three payments were made together. 
The mortgage company cashed the check with the missing {$4000.00} Why would the mortgage company send the money back on XX/XX/XXXX instead of posting it to my account Why would the mortgage company continue to say they couldn't locate the funds when in fact they cashed the check. 
How can they send my mortgage back into foreclosure status when I paid the money as agreed.

This is still unresolved almost four months later, my {$4000.00} is missing and they have stopped applying payments to my mortgage. 

I'm concerned about sending them more money.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
The below complaint was submitted on XX/XX/25 under complaint ID XXXX, with no reply from Wells Fargo. Another mediation request was made recently, no reply. Prior mediation requests were made, denied stating a check was sent which was not received. 

Several mediation requests were mailed in to Wells Fargo, a total of four packets received, three filled out and sent in requesting a refund in the amount of {$610.00} in overdraft fees. The fees in question are a result of high pressure sales tactics by Wells Fargo reps to open accounts I did not need, with the presumption they were to be used for bill pay. A settlement amount was offered, agreed upon, no payment received. The amount, {$3700.00} was offered by an XXXX XXXX with Wells Fargo after speaking on the phone. Since no payment was received, additional CFPB complaints were filed requesting a refund of {$610.00}, this amount was shown on statements received showing a total of {$870.00} in overdraft fees ... Small refund amounts of {$85.00}, {$50.00}, {$120.00} were received prior and are reflected in my claim for {$610.00}. Most recently, a denial letter was received from mediation, citing a settlement check was cashed when it was not received by myself..When the settlement was accepted, I requested a hard copy of it from XXXX, she said she could do not do that.. I believe Wells Fargo is trying to hide their shady practices which respect to opening accounts to boost profits and charge fees to those accounts by offering a fake settlement as they would not put it in writing and have denied payment.. I am back to requesting a refund of overdraft fees which I total in the amount of {$610.00}, since no payment was received. This information will be sent along to attorneys investigating Wells Fargo as well as other financial institutions for their practice of charging overdraft fees. In closing, please advise Wells Fargo I will post my experience on several consumer rating sites to expose their shady tactics

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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 went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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 went to XXXX to buy a car today XX/XX/19 and when I got my credit checked to see if I qualified for the auto loan, I was told that I did not get approved because there were accounts and inquiries in negative standing on my credit history. I looked into these accounts because I know they don't belong to me and I found out that these accounts were opened by someone named XXXX XXXX XXXX. I have no idea who that person is but I have never allowed that person to open an account or make any inquiries on my behalf. I did not benefit anything from these accounts that were opened in my name without my permission nor did I ever make any transactions or payments towards any of these accounts. I have already filed a police report regarding this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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:
Please remove this account from credit report because that one never belong to me or any transactions made by me. 
Enclosed are the police reports that i have filed and identity theft affidavits. Please investigate and remove these accounts from my credit report or I will have to refer the matter to my attorney and take immediate legal action against you. The constant judgments awarded against you certainly demonstrate that courts are will not tolerate your bullying tactics.I have made a lawful request of you to verify a report about me in my credit files. 
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: ALLY FINANCIAL INC.
State: MN

Complaint narrative:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Opensky Legal Services
State: TX

Complaint narrative:
Open Sky Legal said they could get me a modification on my loan. I paid {$4000.00} to date starting in XX/XX/2019 til XX/XX/2019. They fell through and I was denied any help except for a short sale. I need my money back from them because they stated they could do this and didn't. I just make enough to pay some of my bills with my large house note.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-11-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE DISPUTED ACCOUNTS ARE BANKRUPTCIES THAT HAS BEEN DISMISSED. PLEASE REMOVE THOSE ACCOUNTS FOR THEY HAVE CAUSED TREMENDOUS DAMAGE TO MY CREDIT FILE. ATTACHED ARE FORMS SHOWING PROOF OF THOSE DISMISSED 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 non-monetary relief
Consumer complaint received 2019-11-11 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: CA

Complaint narrative:
I disputed information on my credit report with Experian regarding a XXXX Department Store account. Due to medical expenses in XXXX I had debt that I could not pay. It has been 7 years and all the bank credit card debt is no longer on my credit report. XXXX has reported a debt of just over {$200.00} to both XXXX  and to Experian. In XX/XX/XXXX I phoned XXXX to close this account which I never used again. XXXX has reported that my last payment was XXXX XXXX but they waited to report this account as closed until XX/XX/XXXX therefore it is still a debt on my credit report. Apparently XXXX took no action at the time I closed the account to actually report it as closed, which is not in line with their stated policy to close an account after 60 days of delinquency. As I said they did not report it as closed until XX/XX/XXXX therefore it still shows up on my credit report. I have disputed this with Experian and Transunion. The Experian " investigation '' of disputes is automated and XXXX continues to just say the account was closed in XXXX without providing any evidence about anything involved my activities with the account after XXXX XXXX. The only response I got from XXXX was a form letter asking me for my address - which I had already given them on my first letter! They also asked me for the account no. which I had already given them in my first letter to the best of my ability ( their rep., who could easily find the account, refused to give me the complete no. over the phone - yet they ask me for it! ). Since I closed this account and never used it again after XXXX XXXX, which XXXX agrees with, they should correct the mistake of reporting a closed date in XXXX with XXXX and Experian. If they continue to claim otherwise they shold be required to document evidence supporting their actions. Their irresponsible negligence is holding up my ability to re-establish credit and I have a right to do that after seven years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: SC

Complaint narrative:
I am a victim of identity theft and I have submitted a notarized affidavit which serves as a legal document to my identity theft. I am also a victim of the XXXX breach and opted out of the settlement because I have suffered extreme losses due to the breach and the identity theft. I need the fraud accounts that are in my letter that is attached removed permanently from my file as I have also contacted the creditors as well. This is extreme in violation of my fair credit reporting act rights and I will seek legal recourse. I have also attached the printout of me being affected by the XXXX  breach as well.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/2019 -- 4 unauthorized transactions were posted to my debit card account totaling XXXX These transactions took place without card present.

one Transaction {$300.00} for a XXXX XXXX payment, I advised TD Bank I dont have XXXX as a service and from My account I never had a charge for XXXX EVER! I advised TD Bank the payment must have posted to some persons number why cant they check?? 
a charge from XXXX {$260.00}, I called XXXX but other than tell me it was for a service the name of the person is available but they could not give me.. {$500.00} for a XXXX cash transfer. It was sent to some name I am not familiar with nor had I ever used XXXX. lastly a charge for Lyft for {$28.00}, XXXX being a taxi service it seems strange as I have no spouse or Children and as my statement can Identify I happened to be in XXXX the very same day all these charges were done and had my card since I withdrew {$440.00} from ATM in XXXX ... Also between XXXX there were several electronic transfers for XXXX  I also disputed and was credited by TD Bank.. 
I have now submitted the claim 3 times and 3 times denied and each time i am told decision is final there is no one to further discuss with but if I want they will re-submit claim..?? makes no sense.. Additionally they advised that since there was no aggressive charges ( in who's eyes )?? So why did they quickly approve the Several XXXX XXXX   charges in 2 days, I mean 6 charges in 2 days when I rarely use XXXX XXXX?? and then I found out that all the way into XXXX even the card being closed there wer attempts everyday to make charges.. If that not aggressive I cant explain what would be..

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 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: CITIZENS FINANCIAL GROUP, INC.
State: MN

Complaint narrative:
On XX/XX/2018 I went to XXXX of XXXX XXXX MN to get a car. Upon arrival, I signed a loan application. In the application, it stated that the company ( XXXX ) would disclose who my application would be given to, to access my credit report. This information was not given to me at the time, and my credit report was accessed by several financial institutions all across the United States, without my consent. The dealership, ( XXXX of XXXX XXXX ) failed to honor the loan application, and therefore violated my rights within the FCRA. When speaking with the manager of the company, she informed me there was nothing they could do. Attached is a copy of the original loan application. The company clearly states the information, ( who accessed ) my report would be provided. Neither the person who received my application, nor the finance manager offered this information to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: ME

Complaint narrative:
They keep calling me over and over again about some type of debt with XXXX XXXX. I don't remember much else. They called me when I was nearly asleep early in the morning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-11-11 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
The American Airlines AAdvantage Executive card benefits listed on their website : https : //creditcards.aa.com/citi-executive-card-american-airlines-direct/ Lists Admirals Club as a benefit of being a card member. When I tried to use the program at XXXX XXXX XXXX on XX/XX/2010 at XXXX EST. I was denied access to the Admirals Club because my flight was not on American Airlines. I have read through all the fine print on the promotion, and can not find any statement which excludes using the membership due to flight carrier selection. The main purpose of the Citi card was to utilize the Admirals Club membership. I believe the credit card promotion is predatory for advertising a membership with out fully listing all the restrictions.

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