vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I bought tickets to XXXX XXXX on XX/XX/XXXX. They were floor seats and I was so excited, then they changed my tickets from floor to standing, so they could get more people in. So we sold the tickets but due to covid, she kept pushing the concert date back. Many of our other tickets to see other performers were giving the money back but not for the XXXX XXXX concert. 
On XX/XX/XXXX, I received an email from ticket master stating that the concert was cancelled. On XX/XX/XXXX, I received another email from XXXX stating that my refund was processed and I should see the money in my account in 5-7 business days. On XX/XX/XXXX at XXXX XXXX I called Wells Fargo to start a claim since I had not received my refund. The gentlemen told me that it would take 10 business days to refund my money and gave me my claim number of XXXX. 
Monday, XX/XX/XXXX, I still had not received my refund so I called again to see the status. XXXX at XXXX XXXX at this time told me that she was the only one who has worked on the claim since it had been over 120 days since I purchased the tickets. But that I have no proof or documentation to suggest that I am owed this refund. She tells me that I will have to wait another 10 days and that I will receive a letter of my results. 
I was not happy with this so I called back at XXXX and spoke with XXXX and she tells me that I am denied and will not get my money back. She says if I am not happy with this, she will transfer me over to account resolution department and his name is XXXX who asks me to go over the issue again. He tells me to send him the XXXX email by fax or email and that they will take a look at it. And that it will take 1-2 business days to receive the documentation I have. 

XX/XX/XXXX I filed a complaint against Wells Fargo to the Consumer Financial Protection Bureau. I was then contacted by the Consumer Financial Protection Bureau ( CFPB ) that the complaint was received by Wells Fargo. On XX/XX/XXXX, I received an email and later that week a letter from Wells Fargo stating they are looking into my case and the letter was signed by XXXX XXXX I was also then sent a letter stating that I was going to receive temporary credit, which I did. 

On XX/XX/XXXX, I received a letter stating that they found there was an error that occurred for my tickets because they had me change my debit card, and they said that the remaining credit that was money back from insurance for the tickets was final and to remain in my account and that my case is now considered closed. 

XX/XX/XXXX, a letter to me from Wells Fargo states that they are researching my case again.

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 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
XX/XX/2021 I was several called to Mr cooper mortgage company. 
Prior to completion of the forbearance program, I applied for a loan modification to the MR COOPER mortgage company. the due date on XX/XX/XXXX, Call center guys told me Loan Modification would take about 2 weeks. However, it takes a month to continuously ask for reasons for the system. It is said that the loan Modification can not be terminated. This reason is fraudulent trying to take my home. It is said that it takes 3 days to pay all the unpaid money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
My account with XXXX XXXX XXXX have been disputed several times to remove inaccuracy where it shows two 60day late payments for XXXX and XXXX. Letter from XXXX was provided and uploaded to credit bureaus website to reflect accurate payment history, and shows there were NO 60 day late payments in XXXX, yet the inaccuracy remained. XXXX XXXX is pointing the finger at the credit bureaus saying its their fault, and credit bureaus are pointing fingers back at XXXX - meanwhile Im stuck with inaccurate information on my report. If official letters and documents are provided to the bureaus from the lender XXXX XXXX XXXX to support my dispute, its the credit bureaus responsibility to use that document and update my report accurately! 
Im now attaching the response letter from XXXX XXXX XXXX from CFPB complaint case XXXX as well as letter that was provided to the bureaus from XXXX XXXX XXXX that will confirm there were NEVER 60 day late payments made in XXXX for my account. Letter also states XXXX never report such information to the credit bureaus. Hopefully this complaint would help resolve the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: AZ

Complaint narrative:
In XX/XX/XXXX a creditor submitted a delinquent account to my credit account. My attorney disputed the account with the company and I did as well. I also disputed the account all 3 credit agencies. The account was removed. It suddenly appeared again last month. I contacted the creditor directly. Per XXXX 'we closed the account in XX/XX/XXXX and have not reported to the bureau since ''. I relayed the information to Experian to have the account removed permanently. After spending 4 hours over 2 days speaking with 8 representatives 2 of which purposedly disconnected me I still got not results. They are listing an account on my credit report that has nothing to do with XXXX Bankruptcy. The account happened 4 years later and was resolved in XX/XX/XXXX per the creditor. Their negligence is preventing me from leasing an apartment. I want this resolved. Can you assist me please?

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 2021-03-23 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: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
THE ACCOUNTS LISTED ARE ERRORS AND ARE FRAUD. THESE ACCOUNTS ARE HURTING MY CREDIT PROFILE. I BELIEVE THAT MY SSN WAS COMPOIMISED IN SOME TYPE OF DATA BREACH OR IDENTITY THEFT. THE LISTED ACCOUNTS ARE NOT MINE, THEY BELINGS TO SOMEONE ELSE. I BELIEVE IAM A VICTIM OF IDENTITY THEFT. SECTION 605 B STATE THAT IF THESE ACCOUNTS ARE A RESULT OF INDENTITY THEFT, THAT IT MUST BE REMOVED OFF OF MY CREDIT REPORT.PLEASE REMOVE.

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 2021-03-23 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: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I applied to refinance my home loan 4 months ago. The agent I went through is the same person I used for my last mortgage ( at a different bank ) and everything was simple and fast, so I know he is not the problem. I am employed, earn a healthy salary and have zero debt. This should be a snap! Citibank keeps asking me to supply redundant documents -- bank statements, pay stubs. I have asked numerous times what the hold up is, and I have yet to received a satisfying answer.

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 2021-03-23 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX TransUnion LLC XXXX XXXX XXXX PO Box XXXX XXXX, PA XXXX To whom it may concern, I am writing to update my personal information. There are some mispelled incorrect names that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names. The incorrect information is as followed. 




Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name : XXXX XXXX XXXX XXXX XXXX Incorrect Addresses : XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MA XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA 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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
Equifax, Experian and TransUnion, FHA XXXX XXXX, XXXX : XXXX. 
CFPB XXXX .this is just XXXX of the complaints. 

Every morning when I wake up, I have to fear of getting call 's and mail getting robot call 's were i had to change my phone number. were i missing a call about my brother because of the amount of robot call 's from the XXXX party collection 's calling over XXXX time when my brother died. and when you talk to a live person they don't care if your a victims they tell you to pay and then the will remove it, I cant sleep most nights without nightmares I so desperately want my life back. The life I had before the data breech that caused this night XXXX. Equifax, Experian and TransUnion still lets this happened, we had to file complaints FHA, CFPB is an independent federal agency built to protect consumers and nothing happening. collection 's dept. have taken money out my account 's were i had to change my account number. was homeless and i have to pay a huge amount of depts.. exceeding over XXXX just to rent a place, i missed out of buying a home because of the fraud and the lack of reporting with my old home loan with loan depo. right, THIS HAS ALSO AFFECTED MY WIFE XXXX XXXX " " "

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I received a letter now several years ago from XXXX XXXX XXXX that indicated their intent to file a law suit over a XXXX credit card debt with XXXX. Cavalry, LLC works with " XXXX '' XXXX XXXX as a predatory collection agency bthat uses law suitsa to harrass and malicioulsy attack consumers who may have experienced hardships. When I contacted them abouty making small payments as I have with other creditors, they demanded I pay the entire amount or payments clearly designed to threayen and intimidate consumers such as myself. 

They showed no respect, courtesy or interest in making a small payment arrangement especially in the time of the covi d pandemic when many including myself are undergoing sigificant hardships. This company uses aggressive and threatening legal tactics, and makes no attempt to work with consumers launching into lawsuits as a way of bullying and mistreatment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have sent all three bureaus, letters that there is information on my credit report is inaccurate and not verified. by law, it should be XXXX accurate and it is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Wells Fargo XXXX XXXX engaged in discriminatory lending for my private student loan by informing me that I required a US citizen co-signer even though at the time of application was a legal XXXX XXXX holder with a valid Social Security Number. Based on the landmark legal precedent set in a similar case against Wells Fargo by illegal aliens who were also denied credit on the basis of citizenship and national origin, Wells Fargo admitted that its lending policies were a violation of state and federal civil rights laws. 

Therefore, given the auspices in which Wells Fargo operated at the time of my student loan application, the terms of my private student loan were made under the same violation of federal and state laws. Wells Fargo created a situation whereby a US citizen co-signer was involved in a loan that was in violation of existing laws at the time these events occurred in my procurement of a private student loan. Furthermore, my civil rights were also violated as a consumer. Afterwards, when my degree was completed, Wells Fargo communications to me and the co-signer of my student loan, gave the appearance of communicating MORE with my co-signer than myself. 

Per XXXX XXXX XXXX : XXXX : XXXX The agreements come more than three years after MALDEF and O & G sued Wells Fargo XXXX arguing the banks policies of making DACA recipients ineligible for unsecured consumer credit cards and loans violated federal and state civil rights laws, including 42 U.S.C. 1981 and the California Unruh Civil Rights Act, that prohibit discrimination based on alienage and immigration status. The agreements provide an opportunity for DACA recipients who live in California to receive cash payments of up to {$2500.00} for each denial of credit from Wells Fargo, and for DACA recipients elsewhere to receive up to either {$100.00} or {$300.00} for each denial of credit.

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 2021-03-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: Fidelity National Information Services, Inc. (FNIS)

Complaint narrative:
I opened a joint account with my son because he was a minor and got his first job with XXXX and needed to cash and deposit checks. Everything was going well until he was contacted via XXXX by someone stating that they would pay him to post ads to promote their XXXX XXXX and he needed to give them his account information so that his checks could be deposited into his account. XXXX gave them his account information. When it was time for him to get paid on XX/XX/2019 he noticed money was being deposited into his account but the money was being removed no sooner that it was deposited. XXXX called me from school to advised me what was going on but by then it was too late. I tried contacting XXXX XXXX XXXX with no prevail. This was a joint account and my son was a minor taken advantage of and scammed and now we are on the hook for money we are not responsible for. I would like for my account to be restored because I have a Candle Company and I am a XXXX XXXX y trade I really need my Bank 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 2021-03-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I, XXXX XXXX reported a FTC report on TransUnion on Tuesday XX/XX/2021 for reporting fraudulent and erroneous accounts on credit report. 

TransUnion is in violation for reporting fraudulent and erroneous accounts ( listed Below ) These accounts below are in litigation for : Violation of 15 USC 1605 and 15 USC 1681.

15 USC 1681 ( a ) 3, 15 USC 1681 ( a ) ( b ), 15 USC 1681 ( a ) 2 ( b ), 15 USC 1681 ( b ) ( a ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2021-03-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I mailed dispute letters to each of the three credit bureaus. I still not received a response from any of them. If 30 days is the limit they have to respond, they have clearly gone over. There are accounts on my report that are older than seven years and they need to be removed from my report.

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 2021-03-23 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: NV

Complaint narrative:
I have had an fraud alert on my account that I did not place on there. It is on Equifax, Only bureau it is showing on. Called them several times to get this removed. I have sent in supporting documents to them three times by mail and as of now two times by fax. Last fax (XX/XX/XXXX ). 

Spoke with an agent ( XXXX ) who was finally able to authenticate me. She went through the process of updating my address on file and as well removing the fraud request. She gives confirmation NUMBERS of the two things being complete. During the call she mentioned that they do HAVE my documents that I had sent. Said the items last received in XX/XX/XXXX. I asked her if you guys received the information at that time why wasn't a confirmation letter sent out As you guys mentioned would happen? NO ANSWER. 

I checked my account a few days last date XXXX. Account still has an address that is not valid and also the fraud alert is still on the account. So I call again today. 

The representative somehow is not able verify my identity. Story of my life with this company except with the one rep from previous week. So the rep lets me know they are not able to ask any other questions other than the TWO that he asked, When I spoke with the rep on XXXX she asked 4 questions and was able to authenticate but you ask 2 and not. 

I proceed to mention to him that I called and got confirmation numbers from prior rep. No concern. I asked to speak with SUP. She gets on the line ask for Name and that is all. She does not try to authenticate me at all to verify my identity. I tell her I have confirmation numbers and to pull call from last week. She never once ASK for the numbers and stating the info that they have is too old ( documents from XXXX ). 

Keep in mind she has stated she cant get in my account but you just confirmed you had documents. She then continue to tell me once again what items to send in. I mention to her this will be my 5th time. Non chalant attitude. Sent over fax with documents. 

30 minutes prior to this post. Check the mailbox and what do you know a POSTCARD stating my fraud alert has been removed form account. SO how can I get this postcard and the alert is still on my account. This place is running a SHADY business and making money off of incorrect items that they decide to add to people accounts. 


Can someone please with this issue?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23 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: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Massachusetts XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX To whom it XXXX concern, I am writing to update my personal information. There are some mispelled incorrect names and numbers that are on my credit report and there are some fraudelant addresses that I've never lived. Please remove all fraudelant addresses and all incorrect mispelled names and numbers. The incorrect information is as followed. 



Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX, TX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MA XXXX XX/XX/XXXX Correct Address : XXXX XXXX XXXX # XXXX XXXX MA, XXXX ) Incorrect Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Name :. XXXX XXXX XXXX XXXX XXXX XXXX Numbers : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Correct Numbers : ( XXXX )

Company response to consumer: Closed with explanation