vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
On XX/XX/XXXX, I filed a complaint with the XXXX ( Case # XXXX ) and the CFPB ( Case # 's XXXX and XXXX ). Wells Fargo indicated in their response to that complaint, dated XX/XX/XXXX, that they had corrected the issue, and reopened the credit card they had inappropriately closed. This was the corrective action that was necessary to respond to the complaint and I did not pursue it further. On the XX/XX/XXXX, I tried to determine how to utilize my reactivated credit card for the purposes of paying my rent. After investigation, I found that my general online account access was still locked and frozen, and I had no way to access my account information. After discussions with the bank 's phone service staff, I found that the account was still closed, with one staff member indicating that it had been closed in XXXX. This would be significantly after the account was supposed to be reopened per the letter they had provided to me in the CFPB complaint. I then contacted the institution, and found that their case numbers did not include appropriate documentation of either the letter that had been provided to both the CFPB and myself regarding the complaint, and that it did not show any documentation indicating the account was supposed to be reopened. 

In addition, the original error is due to the bank maintaining inactive customer data, including personally identifiable information ( PII ), without implementing appropriate controls to protect that data or delete that data within a reasonable time horizon. The original inactive customer information is from a brief account I had with Wells Fargo after XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Regulatory requirements necessitate the retention of PII data for 5 years, in most cases, and the bank should implement policies to offload that information as a data security process in line with the board 's risk tolerances/data security controls. Since I closed my accounts with Wells Fargo XXXX XXXX XXXX  Wells has had data breaches, and I am uncertain if my data was impacted. It's unlikely, but implementing appropriate time-frames for removing inactive customer data is critical given the risk environment for BIT with regards to information security.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023, someone stole my ss # and personal information and opened at least 10 credit cards in my name. I did not give my information to anyone, nor did I open the credit cards. I desperately need your assistance clearing my name and credit 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 non-monetary relief
Consumer complaint received 2023-02-01 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: Cascade CISS Holdings, LLC
State: FL

Complaint narrative:
I am responding to your recent response to my dispute of inquiry 's on my credit report. I chose xactus as that is what shows on my report. You stated that XXXX XXXX XXXX XXXX pulled credit report on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Then, client XXXX XXXX pulled credit report on XX/XX/XXXX I See XXXX RE ON XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX AND XX/XX/XXXX AS well as there being XXXX on XX/XX/XXXX. 

These are the inquiry 's I'm reporting as ran fraudulently and unknown to me. I'm requesting they be removed ASAP due to the nature. Im requesting any proof i authorized this to be run and any information to go with that. I did not run these reports and can assure i didn't authorize it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: Marlette Funding, LLC
State: GA

Complaint narrative:
I am a qualifying XXXX XXXX service member. Ive provided my enlistment documents, current pay stubs, and. An office letter from my supervising commanding officer proving I am XXXX XXXX. 
However the company continues to deny adding benefits to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: United Shore Financial Services, LLC
State: PA

Complaint narrative:
I purchased my home XXXX of XXXX. I immediately requested removal of our XXXX  XX/XX/XXXX. I was advised in writing my loan must season to 24 months before they will even discuss pmi removal, so I was told XX/XX/XXXX was when I could again request removal in writing, which I did on XXXX. I was told based on original value it was declined but I could pay for an appraiser ( {$550.00} ) through XXXX and my loan had to be less than 75 % off the value. My home appraised for $ XXXX. I owe $ XXXX. I waited a week from appraisal to follow up and was told yes I met the minimum but they wanted to review further. I waited another week, same response always telling me it could take 30 days to respond. My home is well under the % required. Every time I email Im told it could take 30 days to respond, what takes 30 days? Ive met all of the requirements presented to me and do not feel it is a fair practice to continually stretch this out 30 days at a time. I paid my full payment today including pmi, and should not have to continue to pay this again when the appraisal was completed on XX/XX/XXXX with them confirming receipt and value on XX/XX/XXXX. Please help me get this task accomplished! I have never missed a payment on my mortgage. This seems like an unfair practice being Ive met the requirements as presented and then they add theres now more approvals? More approvals for what? I have requested a copy of these extra approval steps/requirements, as I was not made aware there would be a secondary approval needed that could take another 30 days. It appears we are keeping this dragging on so the money keeps being collected! 
Thank you XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XX/XX/2021 there was an electrical Fire at my home. I notified Wells Fargo 48hrs latter. I kept telling them I would not make any payment do to that. They signed me up with XXXXXXXX XXXX who put me on a 4 month forbearance. ( XXXX XXXX took exactly XXXX yr to pay calling it XXXX then switched to electrical fire now the house is full of mold & still not fixed ). I send the payoff check Friday XXXX XXXX & it was picked up @ XXXX by someone for Wells Fargo XXXX XXXX XXXX. I paid {$36.00} have the tracking number & name of person who picked the check up. I have called them 4 times they deny having that check. They keep calling me & emailing me & harassing me about a payment for a home that is unfit to live in the mold has gotten extremely worse. I want every cent I paid them from XXXX XXXX XXXX to now. Plus I feel I should be compensated for the stress & aggravation. First knowing the check is there for Payoff they should cancel payments unti resolved, It has been one year & 6 months.Now I want them to repair the home XXXX to XXXX free of charge & give me a Reprinted check for XXXX check payable to me Wells Fargo XXXX XXXX XXXX have put me through XXXX WF should have a direct number & the same person to talk to. First you get put on hold 2 or 3 times & have to listen to all that pre recorded garbage that doe not pertain to me. Please help. Dut to high number spam calls & my 12 hr shift work no phone email is best. I get it on my phone & call you back from work or home a direct line. I need to include XXXX XXXX for calling the fire XXXX when the 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 non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
A credit card was opened in my mother 's name. She is XXXX and legally XXXX and XXXX. My mother did not open this credit card. None of these charges was signed by her because she has been unable to sign her name since 2015. The bank is unwilling to give me documentation of these transactions. These charges were not made by her and the person who signed for and made this transaction needs to be charged. This is elderly abuse and exploitation. I have spoken to XXXX XXXX the branch manager on numerous occasions and to much avail she has offered me no assistance and she has disregarded my emails.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I use to have a wells Fargo checking account from XXXX. I use to be constant charged overdraft fees from the bank knowingly I had money in the account and they would constantly hit me with overdraft fees. I ended up closing the account and switching to 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 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My husband and I opened a mortgage loan with Wells Fargo in XXXX. We were told that we are not eligible for the settlement and I do not understand why. The interest rate assigned to us was higher than the market rate at that time. We are minorities and we even informed the WF representative that we felt that because we were minorities we were not receiving the best rate. I believe our rate also increased and we were unable to lock it in. We had to refinance our mortgage in XXXX due to the higher rates.

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 2023-02-01 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: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I would like to know if I am on the pay out list for the law suit against Wells Fargo as we had a mortgage with them

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 2023-02-01 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: LA

Complaint narrative:
Company is reporting incorrect/ incomplete and invalidated information to credit reporting agencies. 

There has not been an original contract or deficiency date provided to me. 
I have not been provided IRS documents for write off. 
Company is reporting my debt they resolved with IRS on my behalf on my Credit report. 

Company has not validated debt in time allowed. Its been over 60 days.

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 2023-02-01 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: LA

Complaint narrative:
Company is reporting incorrect/ incomplete and invalidated information to credit reporting agencies. 

There has not been an original contract or deficiency date provided to me. 
I have not been provided IRS documents for write off. 
Company is reporting my debt they resolved with IRS on my behalf on my Credit report. 

Company has not validated debt in time allowed. Its been over 60 days.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover is reporting an inaccurate charged off account on my credit reports that I am not familiar with. I have contacted them directly including the credit bureaus concerning this account requesting documents pertaining this account and have not received any sufficient proof proving that this is my account or that this debt belongs to me. 

Discover sent me back statements concerning this account in response to my letter requesting validation of debt which does not prove that this account is mine or belongs to me. A statement is not proof of debt. I have not received any documents with contract and signatures legally binding me to this debt. 

Furthermore, isn't Discover the creditor that the credit bureaus reach out to confirm or validate the debt? XXXX deleted this account from my reports so according to them, there isn't valid proof this account is mine. If XXXX could not validate this debt how is Discover able to validate this account? 

I am demanding that this account is deleted from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Goal Structured Solutions, LLC
State: MD

Complaint narrative:
This has been going on now for about 2 years. I asked for information about billing and coding and that when the calls started. At the time I was on a wait list to get into the XXXX program. when I finally decided to get into the program, I was told I could do the program at my own pace. XXXX did not tell me anything else about fundamentals. So I write a email to the school about taking something I don't need. Also I didn't even get a chance to even start classes. So this is my whole issues. Why am going to pay for a class that I did not even take. They sent books and that was it. I only have a responsibility to pay for the books that's it. I have tried to contact XXXX and Launch and all I do is get the run around about who i can talk to about the loan. I have even asked for contact of a Ombudsman on each side and no one has given me any information. At this point that account is on my credit report and has my XXXXredit score in the dumps, just because of this one account. I feel this is a scam because they never give you any precise information to solve my problem. I need help to get them off my credit report and they need to be investigated. I had to block them form calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: MN

Complaint narrative:
Based on the promotion from Chase Bank, I opened a checking and savings account, then had two electronic direct deposits paid by my company in XX/XX/2022. As attached. 

However, Chase just refused to pay my bonus, which should have been {$300.00} + {$100.00} credited to my checking account since I met both requirements for savings and checking. 

I have done my part ; Chase should've honored their offer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX, Virginia, XXXX ( XXXX ) XXXX XX/XX/2023 Dear XXXX I, XXXX XXXX XXXX XXXX XXXX, have written this letter to dispute a claim that is falsely listed on my credit report with your bureau. The following items are fraud and is identity theft Party Owed : XXXX XXXX XXXX XXXX : {$11000.00} Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : {$120.00} Party Owed : XXXX XXXX Amount : {$530.00} Account Number : XXXX Party Owed : XXXX XXXX XXXX XXXX : {$240.00} I am disputing this claim due to : I have no knowledge of this account i am requesting it to be removed immediately This is my official request to have the aforementioned item to be deleted off my credit 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 non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Had an existing loan with Wells fargo, interest was high

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 2023-02-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
" On behalf of myself, I'm submitting this complaint myself and there is no third party involved. I'm writing this complaint based on the bureau 's failure to respond to my letters. I have been trying to get in contact with ( put the bureau name here TRANSUNION .for the past 45 days and I have not received not a single response for the past 45 days. Please respond to my letters.

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 2023-02-01 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have an account with Wells Fargo and I havent received any info regarding the law suit. I need to know if Im entitled to any money

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I banked with Wells Fargo between XXXX. Had constant issues with unauthorized withdrawals, frozen accounts, unable to close it after I had tried several times.

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 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
Ref. : US Bank Checking Account XXXX. XXXX I opened this checking account with US Bank in response to a promotion that if I bring {$5000.00} or more to this account and keep it for 3 months or more, I get a {$400.00} promotion. 
I did, but they did not honor the promotion and never gave me the {$400.00} credit. I called them after the three months period and they told me that I have earned the {$400.00}, but it will take 2 to 3 months to deposit the promotion. Now, it is more than 4 months after that call and the promotion has not been honored. I called them today to inquire about the promotion, and after keeping me on hold for half an hour saying they were researching the matter, the XXXX  hung up the phone on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation