vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
In XX/XX/XXXX I put my house up for sale with XXXX XXXX. I was told it would take anywhere from 3 to 6 months to close on new home and find rental for my family. 

My realtor has been communicating with both XXXX XXXX XXXX  and Wells Fargo during the entire time. Things with a buyer were moving along nicely when covid hit. We had completed inspection and appraisal back in XXXX when COVID hit. We alerted both companies of our desire to continue to short sale and try to do the best for each company. 
In very early XXXX my buyer had a job shift as wages were removed and he no longer qualified. When Governor XXXX lifted the stay at home order we moved on to buyer 2 which we had in back up. 
Within 2 weeks we got in contract, out of contract, inspection and appraisal completed. as of Friday XX/XX/XXXX I was notified my attorney received the escrow for first deposit. So we are proceeding strongly and effectively now and expect a XXXX end of month close or soon there after depending on the speed of XXXX. 
What has spurn my complaint is XXXX has listened to the federal government and not reported further late payments since covid. They have understood and shown great compassion and patience. They have been a good servicer and really looked out for my interests. 
On the other hand Wells does not give a hoot about me or my family, they want their money. This obvious attitude caused me to stop paying them as they were non flexible to allow us a modification and said NO outright after putting me through hoops and making me wait and wait to just say no, your wife 's income is too much to qualify. 
I repeatedly told them her gross and her take home are vastly different because she carries the medical expense, daughters car payment, 403B loan, and other deductions. They simply said we work on the gross. 

OK, on XX/XX/XXXX via regular mail I received a letter from Wells dated XX/XX/XXXX before the stay at home was lifted that stated that my account has been moved to acceleration program, meaning they will report a charge off and the entire balance is due. Again not listening to federal government this was reported to the credit agencies. This tactic is against all covid customers and our in ability to sell a house during COVID is the reason this was executed. 
I am attaching the letter for you to see and the contact we have 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 2020-06-21 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: CITIBANK, N.A.
State: MD

Complaint narrative:
On my credit report, I have a inquiry from SHELL/CBNA dated XX/XX/2019. I did not authorize this inquiry. Citibank said they would remove the inquiry at the beginning of the year but it is still showing.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-21 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: Convergent Resources, Inc.
State: OH

Complaint narrative:
This account has been deleted from my credit report as a result of an error. This account reappeared on my credit report. I received a letter stating they would delete this collection from my credit reports for a second time. This collection still remains.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Identity theft protection or other monitoring services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I tried checking my credit today to find out I am locked out of my own information. Someone has changed everything. Last week I noticed that my credit history had disappeared and a consumer note was added for an Ulnlawful Detainer. It was never there before and if I hadnone it was well over 12 years. 
My birth name is XXXX XXXX XXXX XXXX I became a citizen on XX/XX/XXXX & changed my name to XXXX XXXX. I have been a victim of nun identity theft for many years. A detective told me that this person keeps very close tabs on me. I have been residing at XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX. My credit has always been under XXXX XXXX XXXX. Recently changed it to XXXX. I have not applied for any credit for at least one year. I get my life threatened in this building. I am afraid for my life. They have AGAIN stolen/duplicated ALL of.my documents. They interfere my phone calls. I am.living a nightmare. U can call me at 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 2020-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: AR Resources, Inc.
State: FL

Complaint narrative:
HI My name is XXXX XXXX This company AR RESOURCES INC I don't even know what is it its reporting me as collection but I don't received a notice or anything I move to XXXX XXXX XXXX XXXX, FL XXXX I don't think is fair they just do such thing in a person that doesn't even know XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: SYNCHRONY FINANCIAL
State: AL

Complaint narrative:
Hi, PayPal closed my credit account this month with no warning. I had the balance paid off and everything, and I never had any issues. While XXXX  this problem, I saw that it happens to many people. I just thought someone should be aware that they cancel paid off credit cards for no reason.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: FL

Complaint narrative:
On XX/XX/2020, we reported to Experian credit bureau that my balance on my Visa account was not {$15000.00} USD, but the right amount was {$850.00} USD, what they did later was Experian deleted my Visa account in order to decrease my Credit score by about 100 points. They are doing this Maneuver to many people as we read on the Webside. Thank you for your help. We hope someone can stop this injustice of this major credit bureau.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: NJ

Complaint narrative:
I have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the 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 explanation
Consumer complaint received 2020-06-21 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: GA

Complaint narrative:
Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: FL

Complaint narrative:
Transunion is not " user friendly '' to work with online, in that they appear to be the credit bureau that requires payment to get credit reports, file disputes etc. 

Employers listed are Wrong. These needs to be Deleted.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: NJ

Complaint narrative:
I have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the 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 explanation
Consumer complaint received 2020-06-21 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: NJ

Complaint narrative:
I have submitted an identity theft report to the credit bureaus and to the U.S Department of Education Office if Inspector General. My identity got stolen and the student loans listed in the attached identity theft reports do NOT belong to me and I did not receive any benefits from the accounts!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: WA

Complaint narrative:
I earlier opened a complaint against Mr. Cooper. They still have not resolved my complaint issues, after months of delay! Further, I believe Mr. Cooper mislead CFPB as to the severity of our charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSWORLD SYSTEMS INC
State: MO

Complaint narrative:
The amount in which Transworld collections was trying to collect was part of of a workmancomp injury claim that XXXX XXXX should have waited untill XXXX finish their claims adjustments. I kept telling XXXX and Transworld that i wasnt leaible for XXXX claims. Finally after 1 year of paying onother XXXX 's accounts related to the account. After i had proved that the railroad claims weren't my responible they adjusted the acount. I ask for my acount to be removed from my collections report they refuse to cooperate. All accounts with Transworld are pd in full. The strange thing about this .The other 2 bureaus XXXX  . And XXXX  removed transworld accounts XXXX  didn't. What should i do to get XXXX  to remove this pd negative collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
I opened a Wells Fargo Everyday Checking account on XX/XX/2020 through a promotional offer by Wells Fargo. the promotion said Wells Fargo is offering a bonus of {$400.00} when you open a new checking account and complete the following requirements : Set up a direct deposit and receive a cumulative total of {$4000.00} in qualifying direct deposits over the course of the first 3 months. I met all these requirements in the first 3 month. however Wells Fargo closed my account on XX/XX/XXXX without any warning and refused to pay {$400.00} bonus. I called my local wells fargo branch and wells fargo customer service ( XXXX ), however they still refused to pay {$400.00} bonus although they confirmed I met all requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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:
Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Info Reference Number XXXX Court US BKPT CT DE XXXX i disputed this account requesting THE VALIDATION to this account and all document that the CREDIT BUREAUS have to send me to validated this account. i never received any document from the credit bureaus. they just VERIFIED without sending any VALIDATION letter to prove me this account is mine.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have repeatedly tried to get my free report from Experian. 
Two times in XX/XX/XXXX, the agents just wasted my time reading questions that already appear online and said that my answers don't match. This is only possible if they have made mistakes in their data. I have successfully used XXXX  and XXXX  online. 
The experian online free report ( via XXXX ) always says " we are sorry ''. I have treid this multiple times. The last time this happened is 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 non-monetary relief
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CMRE Financial Services, Inc.
State: TX

Complaint narrative:
The indicated company, CMRE Financial Services Inc., has refused to acknowledge or send information on a disputed bill for medical services. The company has been contacted three times by mail and once by phone and advised said bill was disputed, and that prove of debt was requested and required. The aforeindicated company has continued to attempt contact by phone, despite the fact the company was advised not to continue said practice. Also, the aforementioned company has sent to the complainant letters threatening dire consequences such as blacklisting with credit reporting agencies if payment is not received. As of this date ( XX/XX/2020 ) no viable proof of debt has yet been received.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: FL

Complaint narrative:
I have submitted these disputes directly to Equifax and received the attached confirmations. For good measure, I am submitting them to you for follow up. It appears a few of the items have been deleted ( I will not name them each here ) but perhaps there is a delay for some of them. Thanks in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: IL

Complaint narrative:
I tried to purchase two puppies with a contract on XX/XX/20. I made the deposit but the seller has not contacted me. Hrre i the website XXXX I checked the references and use Zelle but there is a trace on the deposit of {$750.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: N26 Inc.
State: MA

Complaint narrative:
I have a XXXX account. When you try to find contact information in the app it shows an error, and it directs you to the self service menu. In that menu there is an option to close an account, but when you click on it only shows the process for a few seconds and then redirects you to the main help menu. It appears as a disingenuous trick to not let you figure out how to close the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: U.S. BANCORP
State: WI

Complaint narrative:
Hi! I received a prepaid debit card as a gift in XX/XX/XXXX. I went to the website XXXX on XX/XX/XXXX so I could start the process of using the card. I could get in as First time user. Well, the balance was XXXX. I saw a name on there and a notice that the card was used in XXXX of XXXX and an XXXX claim number. The prepaid customer care or supervisor would not help me. They said I need a receipt. This was a gift card. That was over a year ago, I am not asking for a receipt. That isn't the proper thing to do. I called back and a XXXX gave me a claim number and stated I could fax the front and back of the card and my id to get some help. I tried the fax machine 6 times without getting through. I can not get back into the website to get all the person 's information that stole my card. I know the name is XXXX He and the location was Illinois. XXXX confirmed this. They said they would put a stop to their use of XXXX. I called back again to VISA prepaid on XX/XX/XXXX at XXXX XXXX. to ask for some help. I was told I need a receipt. I am out {$100.00}. Do I have to have the police call the VISA prepaid to arrest that person for stealing {$100.00} from me? I can not seem to get any help through the VISA prepaid people. They are blaming me. They say I need a receipt. Why didn't the person who stole the card need the pin number or the three digit code to use it? And, why don't they call that person to get a copy of the receipt, a copy of the card, the pin number, the three digit code? I have the card. Do they? The responsibility should be on them. I am out {$100.00} dollars and have to defend myself?? Thank you for trying to help 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 monetary relief
Consumer complaint received 2020-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Persolve, LLC - Legal - Series 2
State: IL

Complaint narrative:
On credit report Acct XXXX Dept amount {$10000.00} or {$8700.00} address XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Phone # XXXX Unsure what this company is and why this is on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
I found some inaccurate, erroneous, unverified items on my credit report. I decided to dispute the invalid items listed on my report with the collection company on XX/XX/XXXX & I got NO RESPONSE. I then decided to dispute the items with the three major credit bureaus, and eventually I received letters from all three bureaus with different information about the same inaccurate accounts. I have no recollection of these accounts ( XXXX XXXX XXXX, CAPITAL ONE BANK USA, XXXX XXXX XXXX XXXX, and I asked that these accounts be DELETED Immediately. Id also like to know their ( XXXX, XXXX, XXXX  XXXX method of verification ; because I dont believe the investigation Is being conducted in good faith. XXXX XXXX XXXX - ( {$2600.00} ) CAPITAL ONE BANK USA - ( {$1500.00} ) XXXX XXXX XXXX - ( {$650.00} ) Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation