vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Cashing a check
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I am writing to share my experience with Wells Fargo Bank concerning a XXXX XXXX Account and my wife 's first-time experience as an executor of a will. The legislature created the XXXX XXXX category to reduce the workload for probate courts. If an estate is under {$160000.00}, probate is not required, and the executor of the will can file a XXXX XXXX Affidavit to sell various financial instruments. 
My wife 's stepfather, XXXX XXXX, died. The will stated, " I give my entire estate to my son, XXXX XXXX XXXX. '' The following article in the will dealt with the executor. My wife was named as the executor, and this section stated that " The executor shall have the power to sell and lease any property of the estate, subject only to such confirmation of court as may be required by law. '' Given that the second item is true, then the intent is for the executor to handle the issues involved in closing the estate.

Three checks came in the mail addressed to the dead man. One was a refund from XXXX for {$290.00}. The second was a stock dividend for {$62.00}, and the third was {$2000.00} for a life insurance policy. My wife was told that all she had to do was fill out a XXXX XXXX XXXX, and she could deposit them in a new checking account. She made an appointment at the local Wells Fargo Branch and arrived with the will and the death certificate. The Estate Care Department would not accept the XXXX XXXX Affidavit because Mr. XXXX 's grandson was listed on the death certificate as the person who provided the information. Therefore, the money should go to him. Of course, this is ridiculous because the medical XXXX obtains the information about the deceased from whoever is available at the time. 
My wife wrote to the executive office of Wells Fargo, and the matter was referred to an official at the XXXX Care Department, and they asked for a copy of the will. The response she received was that since his son was the beneficiary, he needed to provide a notarized disclaimer. The son lives on the XXXX of XXXX in XXXX. Given COVID restrictions, it would be almost impossible ( and ridiculous ) for him to drive five hours to XXXX, XXXX, and make an appointment at the American Consulate so that my wife would be able to cash these three checks. Plus, the beneficiary cant override the executor, so basically, Wells Fargo created a new criterion not rooted in law.

Wells Fargo wouldn't budge. There were also three stock accounts, and my wife sent a copy of the will, the death certificate, and a XXXX XXXX XXXX to the companies. XXXX XXXX XXXX XXXX XXXX issued a check for {$4000.00}, XXXXXXXX XXXX XXXX issued a check for {$8200.00}, and finally, XXXX XXXX XXXX issued a check for {$1500.00}. All of these checks were in my wifes name.

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 2021-07-10 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: FL

Complaint narrative:
This is my second time not receiving an update about my investigation. I have been wasting my hard money on stamps, letters, and ink to send out my letter. Its been more than 30 days and not response via mail or email and i am highly upset. The stuff on my report is inaccurate and unverifiable. I am a real person so i dont want no automatic computer response saying this is unathorized. I am authorizing this complaint with proof of the disputes i sent out. Now please help me this because i will pursue litigation for false information. Now do your job now!!!! I have attached my ID and utility bill to show who i am

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: NC

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX  an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have XXXX or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including XXXX XXXX and Equifax ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: FL

Complaint narrative:
XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  Experian XXXX  All show this info that was no fault of my own

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied for credit with Citibank 'Citi Custom Cash Mastercard XXXX and was denied credit for reasons that do not apply to my profile : -Too many recent credit inquiries -Filed Bankruptcy -Previous/Existing account has history of late payments -Credit privileges on existing account ( s ), currently restricted I do not ( or ever ) had this kind of reporting on my credit. Nor have I ever had business w/Citibank ( current/past ). I actually applied and was invited via my XXXX  membership ( as a 98 % approval match for credit ). 

To advise : I have Fraud Alerts on all 3 credit agencies. 

Now have a 'hard inquiry ' for ( 3 years ) because of this decline and want to know how to remove this hard inquiry from my credit report for this discriminating and false information.

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 2021-07-10 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: GA

Complaint narrative:
ON XX/XX/2021 I SENT A LETTER REGARDING INACCURATE AND UNKNOWN THINGS ON MY CREDIT REPORT. TO THIS DAY OVER 60 DAYS LATER I HAVE NOT RECEIVED A RESPONSE YET. I FEEL LIKE I AM BEING TAKEN ADVANTAGE OF AND BEING IGNORED OF MY DISPUTES. I DEMAND THESE ACCOUNTS BE DELETED IMMEDIATELY OR I WILL FILE FOR LITIGATION DUE TO THE STRESS YOU HAVE CAUSED ME. MY INFORMATION WAS ALSO IMPACTED BY THE EQUIFAX DATA BREACH AND MAY HAVE GOT INTO THE WRONG HANDS OF THE WRONG PERSON.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: OH

Complaint narrative:
Your company furnish unknown inquiries on my credit report that I dont recognize and did not authorize Under 15 Usc 1681 Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. 
( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Also UNDER 15 USC 1692e & 15 USC 1692j they are in violation of the FCRA and I want these inquiries removed immediately.. 

XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/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 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Capital one switched our account on Thursday XX/XX/XXXX with limited notice I received the letter in the mail the night of the XXXX and my direct deposit is scheduled for XX/XX/XXXX due to this change in account type ( same account number but different routing number ) by capital one my direct deposit is in limbo ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: OH

Complaint narrative:
XXXX  has it documented that I opened this account in 2019. Absolutely false! I never initiated an account in 2019! After my bankruptcy I knew I couldnt get credit anywhere! I wish these credit reporting agencies STOP REPORTING FALSE INACCURATE information to keep scores low! 

I was never in contact with said debtor ANY time in 2019! I had absolutely NO credit in 2019 nor did I apply for ANY credit in 2019! I have screenshots to what XXXX  has posted and WISH they would QUIT CHANGING DATES on accounts I did NOT SIGN on said dates!!! That is ILLEGAL that is a total violation of my fair credit reporting! 

That is NOT my account I never initiated an account with a XXXX XXXX XXXX at no time in 2019! 

XXXX  just reports and post anything in attempts to hurt scores and reports! 

What ever account you have, its the wrong account because I was never in contact with the debtor in 2019!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: FL

Complaint narrative:
XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app Transunion XXXX  XXXX  All show this info that was no fault of my own

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 2021-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX reported my account passed due which was due to mobile app issues on their end. Did not get alerts or notifications of payment due. Unable to login to app XXXX  XXXX  Equifax All show this info that was no fault of my own

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/2021 I intentionally withdrew {$280.00} from my checking account and waited for time to pass and deposited {$240.00} in the same account because of theft that has been given the kind eye and slipped through the cracks. Now that I have been insulted when your company " wachovia '' now " Wells Fargo is still doing the same XXXX XXXXXXXX XXXX I am exposing and suing. You people are XXXX XXXX and XXXX We have lost so much because of your neglect as a known wide company you should be grateful that we give you our business. Instead you have XXXX  in the background stealing as little up to Millions. I have been reporting to every proper Department far enough and I am sure our country and communities will take every action to resolve this issue once and for all. I have been robbed for over {$15000.00} through a bank that I've trusted ever since I had and opened a bank account with " Wachovia '' - now " Wells Fargo ''. My attorney will be in touch and everyone else that has been mislead by your company.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
On XX/XX/XXXX I submitted CFPB complaint # XXXX XXXX see attached ) against TransUnion for knowingly reporting inaccurate and false information and for refusing to forward my complaints to lenders. Included in this complaint was XXXX Loan # XXXX with the US DEPARTMENT OF EDUCATION being serviced by XXXX XXXX XXXX  services. This loan defaulted on XX/XX/XXXX and was placed on my credit report as a delinquent account with a status of 120 past due. 

On XX/XX/XXXX I completed loan rehabilitation with the XXXX XXXX XXXX on behalf of the US DEPARTMENT OF EDUCATION ( see attached ) and my loan was subsequently transferred back XXXX XXXX XXXX  services on XX/XX/XXXX. On XX/XX/XXXX XXXX XXXX XXXX services reported my loans as being paid as agreed with a payment of {$750.00} being made on XX/XX/XXXX ( see attached ). 

Attached is my TransUnion credit report XX/XX/XXXX ( see attached ) where XXXX Loan # XXXX is listed on page 2 of the report as 120 days past due with a {$0.00} balance and updated on XX/XX/XXXX. On page 7 of this same report you can see the updated information from XXXX XXXX XXXX services that my loans are current and paid as agreed with a status date of XX/XX/XXXX. 

On XX/XX/XXXX I submitted a dispute to TransUnion with supporting documentation of the improved status of my loans. On XX/XX/XXXX TransUnion published the results of this dispute claiming that my loan is delinquent and 120 days past and the information was verified as accurate and updated on XX/XX/XXXX ( see attached ) and which is in clear conflict with supporting documentation provided to TransUnion. 

I have provided several pieces of supporting documentation, repeatedly, to TransUnion notifying them that false information was being reported in violation of FCRA and requesting that the payment status be corrected to reflect that the loan is no longer 120 days past due. Subsequently this false information has repeatedly been verified as accurate even after TransUnion received electronic documentation on XX/XX/XXXX that my loans are being paid as agreed directly from XXXX XXXX XXXX services as is clearly reflected on the same report claiming the loan is delinquent. 

In the face of so many clear discrepancies and inaccuracies being reported by TransUnion, the conclusion has to be that their actions are willful and deliberate in continuing to knowingly report false information on my credit report in direct violation of the rights afforded to me under the FCRA even while my original CFPB complaint # XXXX for the same FCRA violations remains unresolved.

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 2021-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted

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 2021-07-10 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Mobile application not working. No alert or notification of payment due. Unable to login. 

Finally deleted app and reinstalled Payment would not have been late if I was alerted

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: NC

Complaint narrative:
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, NC, XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX, XXXX, Indiana XXXX XXXX XXXX XXXX Original creditor XXXX XXXX XXXX XXXX. XXXX. NC XXXX. XXXX XXXX To Whom It May Concern : This letter is regarding XXXXXXXX XXXX XXXX an unaware and unauthorized collections on my credit reports on all three bureaus which you claim I owe $ XXXX.This is a formal notice that your claim is disputed, this is not mines. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports ( including Experian, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue.

I would be seeking a minimum of {$1000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b )

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 2021-07-10 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: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
Contacted XXXX  to file a dispute on a collections agency that is fraud. XXXX called back, but the call sounded fraud as the person asked for personal information and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-10 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: I.C. System, Inc.
State: CA

Complaint narrative:
Contacted XXXX  to file a dispute on a collections agency that is fraud. XXXX called back, but the call sounded fraud as the person asked for personal information and then hung up.

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