vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS

Complaint narrative:
The XXXX Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. XXXX Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?

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 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
I received a letter from Wells Fargo Bank on XX/XX/XXXX stating Wells Fargo Bank closed my checking account due to a previous account I had with Wells Fargo Bank and excessive claims for fraudulent activity on the checking account. The Wells Fargo Bank checking account ending in XXXX was discharged under XXXX XXXX XXXX in the United States District Court District of Minnesota XXXX Court on XX/XX/XXXX. Wells Fargo Bank wrote in the letter that sent to me, that the checking account was not discharged in XXXX court, even though the checking account was included in my XXXX XXXX XXXX petition and was discharged under XXXX XXXX XXXX. I am sending a copy of my XXXX discharged notice to Wells Fargo Bank Corporate Office for proof that the checking account was discharged in XXXX  court. Wells Fargo Bank clearly is discriminating against me based on my race, me being XXXX American, and denying me an opportunity to obtain credit and open up a checking account with the bank which is a complete violation of the 1974 Equal Credit Opportunity Act ( ECOA )

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 2021-02-08 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: EQUIFAX, INC.
State: MS

Complaint narrative:
The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
The Bankruptcy Court has no jurisdiction over credit reporting agencies and does not report to any of the agencies. Bankruptcy Court is not an information provider as we do not report any information to these agencies. Under the Fair credit reporting act, take appropriate action to correct inaccurate information on a credit report. What method of verification did you use?

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 2021-02-08 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
Several years ago, when I resided in the State of New York, I opened two certificate of deposit accounts and one IRA account with TD Bank. I now reside in XXXX, Illinois and would like to deposit the funds with another financial institution. I called the generic TD Bank customer service number to close the accounts and after speaking with several individuals I was instructed to call the XXXX XXXX, New Jersey branch. The accounts were opened in XXXX XXXX. I called the XXXX XXXX branch manager and she told me that the only way I can close the accounts is to send the certificate of deposit documents to her or to physically appear in the branch. Unfortunately, I can no longer locate the certificate of deposit documents because of the length of time that has transpired since the accounts were opened and because of several intervening moves. I asked if there is any way to close the accounts without providing the documents or physically appearing in the branch and she said no. The nearest TD Bank branch is several hundred miles from XXXX. I asked if I could appear in a nearby TD XXXX branch and was told no. This imposes an unnecessary and overly burdensome requirement on me the customer, especially with the COVID related travel limitations. I find it ironic that I can close on a far more complicated real estate transaction on a remote basis but I can not withdraw my funds from TD Bank. I have not had this problem with any other financial institution. Any assistance that you can provide to enable me to secure my money from TD Bank will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Problem with customer service — 
Company: Self Financial Inc.
State: MI

Complaint narrative:
XX/XX/2020 is the start of the problem. I have tied to call and talk to someone I wasnt able too it said it had to be online chat and it hung up on me. I messaged thier Customer Service agents after that quite a few times and they never got back to me. One agent started a conversation and told me she would be able to help me and then never responded back to me. I have reported them over and over on my credit report after I have tried more then 5 times to close my account which they never did. It's a secured credit account in which is all my money in the account and they closed my account saying they need more information to verify my identity which I sent them multiple times my information which is very concerning giving them final personal information to begin with. Now my credit is poor after I have been trying so hard to get my credit up to XXXX now it's XXXX because of Self XXXX XXXXr ruined it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
experain has humiliated me over and over again. i have disputed and provided police reports and i was told that my accurate police report was a fake. i asked the company did they call and they advised me that they didnt called they just feel its fake. i was so enraged. 

i advised them the bankruptcies on my credit were not reported by the courts and they had different addresses on them. i provided documents from the courts and nothing no reponse

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 2021-02-08 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
Hi, I was actually talking to a representative from Portfolio Recovery Associates and they mentioned that as long I pay the collection account, they will report and demand the credit bureaus remove the entire tradeline from my file. They actually direct me to their website to look under FQA section where I screenshot and copy below. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
I was scammed for {$1000.00} in my savings and {$500.00} in my checking account. I was also scammed by trickery for {$1000.00} on my credit card with XXXX XXXX. I contacted both my bank ( USAA ) and the credit card company ( XXXX XXXX ). Neither bank accepted my dispute and stated that because it was a scam and not fraud then I will not be refunded anything. I was then told by a co-worker that the CFPB is the next step. This is what happened with the scam. On XX/XX/21, I received a call at XXXX ( XXXX XXXX ). The first call was an automated message saying that my email was compromised and used for money laundering. I hung up and immediately got a call from the sheriff 's department ( XXXX ) XXXX. They asked if I wanted to turn myself in. They said that there was a warrant for my arrest because I failed to comply with the Department of Justice. I then got a call from special agent XXXX XXXX XXXX XXXX XXXX. He said that I needed to safe guard all my money and an agent will meet me the next day. He then said that I had to put all my money on XXXX  gift cards. So, went to XXXX 's grocery store and I got 2 XXXX  gift cards equaling {$1000.00} from my savings and 1 XXXX  gift card equaling {$500.00} from my checking. I had to drive home, so he said that I could got to XXXX  XXXX XXXX and get the gift cards from my credit card. I got 2 XXXX  gift cards equaling {$1000.00} from my credit card. After buying, he asked for the card number and access code on the gift cards. After about 3 hours of going back and forth with the special agent, he told me that I would get a call from an agent the next day to set up a time to meet.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
Was recently issued a new Credit Card by Synchrony Bank that replaced my expiring card. My account was current, never late and I was a long term customer The experation date was XX/XX/25. I tried to use the card twice and the purchases were declined. One purchase was for a car battery. I was left in the lurch. I called Synchrony and they indicated that the account was closed due to inactivity. 

I received no written, telephonic and electronic notice that my account was endanger of being closed due to inactivity.

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 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
XXXX  has humiliated me over and over again. i have disputed and provided police reports and i was told that my accurate police report was a fake. i asked the company did they call and they advised me that they didnt called they just feel its fake. i was so enraged. 

i advised them the bankruptcies on my credit were not reported by the courts and they had different addresses on them. i provided documents from the courts and nothing no reponse

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 2021-02-08 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: IL

Complaint narrative:
On XX/XX/2020 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 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: IL

Complaint narrative:
On XX/XX/2020 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 im being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation due to the stress you caused me.My information was also impacted by the XXXX  data breach and may have got into the hands of the wrong person.

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 2021-02-08 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: MD

Complaint narrative:
On XX/XX/2021, I requested with Equifax to investigate and delete the inaccurate information from my credit report. 

As you are well aware, federal law requires a credit reporting agency to respond within 30 business days. It has now been over that period since the receipt of my letter. Failure to comply with federal regulations by credit reporting agencies are in serious violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN

Complaint narrative:
The following credit inquiry listed on my Chex Systems Consumer Report ID:XXXX is fraudulent and unauthorized : XXXX XXXX, XX/XX/2021. The credit inquiry is not my credit inquiry. I am a victim of identity theft and has a current police report on file with Chex Systems for identity theft, fraudulent accounts and credit inquiries issues.

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 2021-02-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: AK

Complaint narrative:
I am writing to ask for your assistance with an issue that we are having with XXXX  XXXX XXXX through Wells Fargo. 

Our loan is backed by XXXX, but serviced through Wells Fargo. In XXXX we applied for and began a three month forbearance. On the Wells site it indicated that we would be able to delay the three months of payments and add them to the end of our mortgage. The exact thing that we have heard through the news. There was no indication that XXXX loans had different rules. 

After three months of forbearance, we were able to adjust our finances. We asked to resume our payments, and in XXXX began making our normal payments. Online we indicated we wanted to add the payments to the end of the loan. Also, a Wells representative called us and we established that we would be adding the payments to the end of the loan. 

A couple months later, we started getting paperwork and phone calls indicating that XXXX had different rules and would not add the payments to the end of the loan. They indicated we needed to pay the entirety of the three months of payments. This obviously would not be possible for us. 

We received in the mail an appraisal that Wells had ordered for our house. They requested copies of our taxes, pay stubs, and bank statements. Although we did not understand why they needed them, we submitted all requested documents. In XXXX we received even more document requests. We are not sure whether they are proving we make too much, or not enough for whatever they are working on. They insisted multiple times that it was XXXX that wanted the documents. The XXXX representative stated it was not their request. 

In the ten years we have had our mortgage, we have never missed or been late on a payment. On the thirteenth, we will be in " default '' as the documents they are now requesting don't even exist and we won't be able to provide them. Things as silly as they want a " Wet stamp '' rental contract versus the digitally signed contracts we use for our tenants. 

We have requested a copy of the online agreement and phone conversations with Wells representatives, but they have never sent it. 



Thank You, XXXX XXXX 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 2021-02-08 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 {$10000.00}, {$3100.00}, {$4900.00}. 
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 ACCOUNTS 1. XXXX with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$10000.00} -This is not my account. 

2. XXXX XXXX  with ACCT # XXXX opened oXX/XX/XXXX with a balance of {$3100.00} -This is not my account. 

3. XXXX XXXX XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a balance of {$4900.00} -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 2021-02-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Radius Global Solutions LLC
State: MN

Complaint narrative:
I am receiving phone calls of harassment, obscene, profane and threatening language from Radius Global Solutions LLC for an account # XXXX from XXXX XXXX XXXX XXXX for {$84.00} and thats not my account and is the result of identity theft. Radius Global Solutions is in complete violation of the Fair Debt Collection Practices Act ( FDCPA ) under Federal law.

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 2021-02-08 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: U.S. BANCORP
State: PA

Complaint narrative:
Hi,, Thank you for helping me. I have a relia debit card issued for the unemployment benefits this year from U.S. Bank. I had a bunch of fraudulent charges made to the card, around XXXX worth. I spent weeks trying to contact the bank and was unsuccessful. I finally got someone on the phone and submitted a dispute for each separate charge to the card, none of which are mine. About 8 to 10 weeks later I received a letter from them saying they found no error. The letter said I could request documents that they used to determine their decision. I wrote and requested these documents over 2 months ago and have never received anything. I have reached out numerous times by telephone and can not get anyone. These charges are fraudulent and they have done nothing to protect me or help me. I will fight this to every extent. Thank you XXXX 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 2021-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
I saw an add for the Amazon Synchrony Credit Card while looking at making a purchase. The advertising said that I could sign up for the card and use it to make the purchase with a payment plan. I signed up for the card and was unable to use the card for 7 to 10 days. I was told to contact synchrony to obtain assistance and there was no available help.

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 2021-02-08 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: MN

Complaint narrative:
The public record of Chapter XXXX Bankruptcy listed on my XXXX and Experian credit report is inaccurate and not my public record. The following credit inquiry listed on my XXXX credit report is fraudulent and unauthorized : XXXX XXXXXX/XX/2020. The credit inquiry is not my credit inquiry.

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