vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I purchased XXXX tickets for my son and I from what I thought was reputable dealer for {$160.00}. The seller provided name, phone number, bank info, and email address. I was advised to use Wells Fargo banking app to transfer the funds using XXXX. After money sent I waited for tickets to arrive but nothing. Phone calls were sent straight to voicemail and texts were no longer responded to. After reaching out to my bank to report the fraud, I was told that they hold no responsibility for XXXX usage despite the money transfer service being in their application. I was also not given information regarding transaction despite Wells Fargo requesting information when utilizing app. I believe that is a shame that Wells Fargo and XXXX  XXXX XXXX promote and make money off of an service that provides zero responsibility for fraud and insecure transactions.

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 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
Hi, my dispute goes back over a year which I am trying to get this resolved and it keeps getting pushed and not resolved by American Express, I made 7 orders with XXXX all for the same amount of {$2400.00}, after XXXX shipped the orders XXXX requested the shipping company to return the items to XXXX, therefor the items were never delivered to me but instead delivered back to XXXX, but here started the problem that XXXX didn't refund me for these orders, when I tried to dispute some were approved while the last one keeps getting closed since American Express sees identical charges refunded so they consider this as a refund for the disputed charge which in fact is a different charge which was never refunded neither by XXXX nor by American Express, as many times as I tried to explain that I kept getting denied for that reason, my last dispute Inquiry Ref. No. : XXXX I actually got a letter dated XX/XX/2019 from American Express saying that they closed the dispute in my favor, but to my shock I never got a refund for this charge, this is not acceptable that American Express refuses to resolve this once and for all

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC
State: GA

Complaint narrative:
Starting in XX/XX/XXXX I started receiving calls from ability recovery solutions regarding a Medical bill they claimed wasn't paid and I told them I was approved for SSI and Medicaid in XX/XX/XXXX. I had been fighting for XXXX for a few years altogether, and they backdated the Effective date for Medicaid back to XX/XX/XXXX they told me to call the hospitals and have them pull the accounts they had sent to collections back and file them with Medicaid instead. The hospital that the bill came from told me they pulled them all back and they were paid and closed. Well, I started getting calls from the collection company, and when I said to them that debt was paid they got rude and said to send proof to them, then they might close it. But when I tried to communicate with them about it they got hateful on the phone and threating towards me, and I called the hospital the bill came from, and they said they shouldn't be collecting on that debt, and they tried to contact them. but they refused to take it off my credit report and kept calling multiple times daily threating legal action and hurting my credit and because of them, my credit score dropped down really low. Also, they never sent proof in the mail about the debt when requested

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 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have contacted Equifax over 29 times disputing fraud items on my credit file only with Equifax. I have several accounts that are fraud and the ladies who stole my identity have been found guilty and sent to jail. i have faxed and uploaded every police report and court document to prove to them this wasn't my accounts. when i file the dispute it says 30 days and you'll get our desion, NOT Equifax, within 2-3 days i receive a email saying the items are updated and there correct. 
XXXX XXXX XXXX XXXX is FRAUD XXXX XXXX XXXX is FRAUD XXXX XXXX for XXXX of XXXX is fraud. 
The crazy thing is i received a auto loan of XXXX from XXXX XXXX XXXX back in XX/XX/XXXX and the loan officer stated it looks like we gave a loan out in your name and it was fraud and then he said i'm so glad we caught XXXX XXXX and XXXX XXXX from using your identity. I stated well its still on my Equifax file. He said let me check that for you, 10 minutes later he said the bank has never received any of your disputes and XXXX XXXX as requested several times to have the items removed and blocked. XXXX  and XXXX  have both removed the fraud accounts and blocked them over a year ago but not Equifax. I filing legal actions against Equifax next week. Now my bank is calling my loan in due to whats on my Equifax Credit File. I what them removed asap

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: HYUNDAI CAPITAL AMERICA
State: NV

Complaint narrative:
I HAVE REQUESTED THAT HYUNDAI MOTOR FINANCE TO PROVIDE ME WITH THE ORIGINAL APPLICATION THAT WAS SUBMITTED TO THEM FOR FINANCE FROM XXXX XXXX XXXX XXXX NEVADA, THE FORMER FINANCE MANAGER ADVISED ME THAT THE REASON XXXX XXXX IS NOT GIVING ME A COPY OF THE APPLICATION FOR FINANCE IS BECAUSE THEY FALSIFIED MY INCOME .I WAS ADVISED TO REACH OUT TO HYUNDAI MOTOR FINANCE FOR A COPY OF THE APPLICATION SUBMTTED SHOWING INCOME REPORTED BY THE DEALERSHIP. HYUNDAI HAS YET GAVE ME WHAT I ASKED FOR. I NEED TO SEE THE APPICATION SUBMITTED FROM THE DEALERSHIP WITH MY INCOME GIVEN. IF FAIL TO PROVIDE I WILL SEEK ASSISTANCE FROM THE ATTORNEY GENERAL OFFICE FOR ASSISTANCE. I AM ASKING FOR THE APPLICATION SUVMITTED FOR FINANCE AND NOT MY CONTRACT. I WANT THIS SUBMITTED TO ME ASAP ELSE I WILL INVOLVE A 3RD PARTY WHO WILL GET MY APPLICATION SUPONEA THIS DEALERSHIP FALSIFIED MY APPLICATION TO GET ME FUNDED FOR THEIR PERSONAL GAIN. I WANT HYUNDAI TO PROVIDE THE INFORMATION TO ME SINCE THE DEALERSHIP IS CLAIMING NO RECORDS AVAILABLE. AND AFTER IT S DETERMINED THEY FALSIFIED MY INCOME TO GET ME FINANCED FOR A XXXX CAR WITH A XXXX MONTHLY SSI INCOME I WAS TAKING ADVANTAGE OF AND JUSTICE WILL BE SERVED. I WANT HYUNDAI TO SUBMIT THE INFORMATION I REQUESTED.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
Received calls about an unpaid debt from someone claiming to be XXXX XXXX XXXX. She stated they are a law firm and that legal action is being taken against me for fraud. Someone else also left me a voicemail stating they would be coming to my workplace to give me documents. I asked for a website, address, and other types of information to verify they were a real agency. She was very rude and refused to give me any information about the law firm.

Also, Previous to this instance, they have contacted my mother, husband, father in law and a coworker of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Fees charged for closing account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My name is XXXX XXXX XXXX i want to file a complaint against Wells Fargo i started using Wells Fargo in XXXX i have over the past 4 years been robbed of thousands. I opened the account because i had my Social Security XXXX deposited there the first year they treated me great i had and maintained a savings and a a secured credit card always paid on time. I am a XXXX year old XXXX man on a fixed income i have been fighting with the hardships of that damaged credit because of identity theft was XXXX because i was a victim of a home invasion i was home at the time i was robbed, beaten, tortured shot and thrown in the lake left for dead thinking a dead man wont mind they threw in a little Identity theft i suffer from severe panic attacks, XXXX, XXXX, Severe XXXX XXXX being terrified to leave my home its hard to find another bank i tried with fraud alerts the banks want your to come in person. Wells Fargo you are Evil all the money gone taken out of my account, direct deposits not posted, payments withdrawn never paid company my complaint my checking account account XXXX was closed on my XXXX birthday XX/XX/XXXX with a charge off of {$280.00} by Wells Fargo got the statement also a letter telling me i was reported to XXXX knowing that is a hardship banks wont mess with you with that on your reports but on XX/XX/XXXX after 2 months of losing my fixed income on fees added, direct deposits never posted i closed the savings, the secured card, and the checking all accounts in good standing was told i had 90 days access to records no no no access denied i was told my accounts were closed i could not check because of Wells Fargo why would you keep it open and because XXXX XXXX tried to charge a debit card i was told that it was closed you charge overdrafts not good enough stealing what you had stolen from me before you had to get a few dollars more and then close it XX/XX/XXXX the day of my XXXX XXXX birthday my complaint is simple Wells Fargo that charge off needs to be corrected and any information reported needs to be deleted or I will sue you, report you, do everything i can to cause you problems and hardships i promise you I wont stop .. So please fix this all accounts closed. the charge off removed and any derrogatory and untrue information reported please make it disappear like my money did and whatever we know your company did'nt do it or glitches just correct it please. 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 2019-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Receivables Performance Management, LLC
State: NJ

Complaint narrative:
RECEIVABLES PERFORMANCE : Highest Balance {$310.00} You've paid off 100 % of your collection amount. 
XX/XX/2018 ( 8 mos ) Creditor Information RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRUSTMARK CORPORATION
State: IL

Complaint narrative:
victim of ID thief, and harassment someone take a mortage using my credit and car loan

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 2019-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
After notifying each credit bureau regarding the closed status of my California child support account and request by that department to remove an account of balance is obviously XXXX stated by Trans Union them selves. Both XXXX and XXXX along with Trans Union continued to display incorrect credit information on a closed account which I am the custodial parent and the difference in the reporting by XXXX and Trans Union clearly shows the discrepancy itself. The credit bureaus simply wont take the time To verify it for themselves and only rely on a third-party service that does the reporting.

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 2019-03-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
After notifying each credit bureau regarding the closed status of my XXXX XXXX XXXX account and request by that department to remove an account of balance is obviously XXXX stated by XXXX XXXX them selves. Both Equifax and XXXX along with XXXX XXXX continued to display incorrect credit information on a closed account which I am the custodial parent and the difference in the reporting by Equifax and XXXX XXXX clearly shows the discrepancy itself. The credit bureaus simply wont take the time To verify it for themselves and only rely on a third-party service that does the reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THE ATTACHED INQUIRY FROM XXXX HAS BEEN SUBMITTED TO EXPERIAN, TWICE, BY XXXX AND MYSELF TO BE REMOVED. IT'S STILL ON MY REPORT. 
EXPERIAN DID NOTHING TO HELP ME REMOVE, SAID IT WAS MY PROBLEM. I PAY THEM {$24.00} A MONTH TO USE THEIR CREDIT SERVICES AND GET HELP WITH PROBLEMS LIKE THIS. THEY LET ANYONE POST ANYTHING TO CREDIT REPORTS BUT HAVING IT TAKEN OFF IS A MAJOR, TIME CONSUMING ISSUE EVEN WITH LETTERS LIKE THAT ATTACHED, PROVING IT SHOULD BE REMOVED!!!

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 2019-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: LD Holdings Group, LLC
State: CA

Complaint narrative:
We had torn down our house and built it ground up. The construction was completed XX/XX/XXXX. I had a loan with XXXX XXXX for {$960000.00}, private lender loan with a loan expiry date of XX/XX/XXXX. I started the refinance process with loanDepot in XX/XX/XXXX. They were aware of my loan expiry date. On XX/XX/XXXX, I was told that we are approved and they scheduled an appraisal for XX/XX/XXXX. I was told that we would sign the papers on XX/XX/XXXX. My house was appraised at $ XXXX. I was doing a jumbo loan of $ XXXX - cash out refinance - as I had to pay off people I borrowed money from to get my XXXX sq ft house completed. On XX/XX/XXXX, they told me that they can not do the loan because my husband did not have a consistent 2 year income. I received the shock of my life when I heard this. I had given them every paperwork they needed. My husband is a licensed XXXX  XXXX and since he was busy building our house in XX/XX/XXXX, he did not work, he therefore did not have income in XX/XX/XXXX. Since my loan was expiring and I could only extend the loan if I applied for an extension 2 weeks prior to my loan expiration. I was charged a huge amount of fee on this and I am requesting that all fees be reimbursed to me by loanDepot immediately. I forwarded XXXX XXXX e-mail on fees to loanDepot requesting payment, but I never heard back from them on this. I would really appreciate if you could help get all fees paid to me for the 3 month extension I have them do, plus compensate me for everything they put me through, just to tell me in the end that they could not do the loan. XXXX XXXX 's fee is as follows : 3 month : Extension Fee 1 % of UPB ( unpaid principal balance ) Legal - {$500.00} BPO - {$95.00} Admin - {$25.00} I would be happy to provide any documentation you need on this. I hope due consideration is given to my request. 

Yours faithfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
My earliest e-mail regarding this problem is dated XX/XX/2019 and the same problem has persisted until the present, unresolved. At that time I was being blocked out of XXXX service for an incorrect password, even though I had not changed my password ( seriously I did not change it, I stored it in a password manager and used it repeatedly before this date ). 
The same instructions were given to me on two separate weekends. They were modified to correct the login URL on the third weekend ( changed from XXXX XXXX XXXX XXXX XXXX XXXX XXXX ). Regardless of the login URL, I was to use the password reset link after pressing the " forgot password '' button. I received these instructions via phone ( after HUGE holds ) or e-mail. The instructions were of to no avail because the password reset email was always sent to me AFTER the 15 minute deadline. Attempts to use it to log in to XXXX would result in a message about a URL token being invalid. I tried this yesterday ( XX/XX/2019 )  twice and received the password e-mail late, TWICE. 

I can not log in to XXXX and Experian will not 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 2019-03-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: FL

Complaint narrative:
On XX/XX/XXXX I accept an offer before XX/XX/XXXX of using there 0 % interest free check until XX/XX/XXXX. On XX/XX/XXXX I notice a interest charge of {$120.00} from the promotional check. I called Us Bank on XX/XX/XXXX and spoke to 3 different people and all they can said to me the promotional didnt applied me to because I was late 2 times with payment. I said to them nowhere does it stated it on the promotional checks. They told me I have to look into my credit card agreement and that it was stated on there. I contacted them through email to request a copy of the credit card agreement and was sent one about a week later, I read it and now where does it say that. On XX/XX/XXXX I Paid my entire balance off including the interest charge from XX/XX/XXXX bill and called Us Bank to close my account. On XX/XX/XXXX my statement was email to me with another {$170.00} interest charge on it, for a {$10000.00} check that was suppose to interest free until XX/XX/XXXX has been charge {$300.00} and maybe more charges for XX/XX/XXXX bill.

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 2019-03-17 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: PA

Complaint narrative:
Hi, The fraudulent, illegal, bogus loan-scam is STILL on my credit report!

Its been 6-years since the XXXX XXXX XXXX of XXXX loan-scam! 
They told me the loan would NOT be processed after I signed up for, then cancelled the ( 2 ) online " classes. '' There were NO " classes '' it was a total scam. There was NOTHING of value provided to me at all or in anyway, {$8800.00} for a hotlink to XXXX -- thats FRAUD. Take a look at the $ XXXX-Million construction-loan XXXX defaulted on -- the student-loan $ they scammed from me and other students went directly to pay the XXXX-new-building construction-loan, it was NOT used to educate me or other students. XXXX closed and had to move, and submitted false dox to reform at a new location. FRAUD!! Must be stopped! Remove this fraudulent loan its ruined my credit for the last 6 years and now I'm homeless!

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 2019-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
So I had a credit card through XXXX XXXX opened up fraudulently as well as a bank account and many other accounts. So I made a police report and canceled all accounts. I reported it to all 3 credit Bureaus. I called XXXX XXXX to provide police report number and I thought it was all taken care of. But they reported as bad debt. I tried disputing it and it came back verified. I requested the information obtained to verify the debt and nothing. So I doubled back to XXXX XXXX and the noted all the information, police report in file and everything. But stated there only objective was to collect the debt so the account has been sold to XXXX XXXX. I spoke with a Equifax rep who told me the address connected to the account which was added to my report based off the credit card account was the verification. Its a fraudulent account due to identity theft. This is a hard process even with documentation.

Company response to consumer: Closed with explanation