vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I became the successor trustee of my mother 's checking account after she died this summer. There were many discrepancies with her Wells Fargo checking account, including forged checks written while she was in a XXXX   and after she died. I notified the bank about the problem, especially when the checking account became overdrawn after her death. 

Wells Fargo refused to prosecute over the forged charges, even though we have a strong suspect. Wells Fargo decided to close the account without notifying me, although I am the Successor Trustee and had changed the documents the bank gave me, so all correspondence would be sent to me. My XXXX Wells Fargo branch banker had assured me that all communication was to be directed to me because we had changed the information. However, on XX/XX/XXXX, there was a breach of confidentiality. Wells Fargo sent the statement to another person notifying them of the closing of this checking account. I never received the information, until my attorney asked for bank statements, and I went back to the branch and saw that the checking account was closed, with notification going to a person who had no authority to receive this notification. Because Wells Fargo did not give me the proper and legal communication, it cost me higher legal bills with my attorney as we are trying to settle my mother 's estate. 
I asked my local banker what could be done about this breach of confidentiality, and he just shrugged his shoulders and said, " Not much. '' I would like to see Wells Fargo take responsibility for not following through with my complaints about the forged checks and then rectify this violation of confidentiality.

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 2020-01-10 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:
Accounts with missed payments AUTO LOANS XXXX XXXX XXXX 3 Missed Payments

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: TX

Complaint narrative:
Disputes with XXXX  and 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 2020-01-10 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: IL

Complaint narrative:
I HAVE REVIEWED MY CREDIT REPORT AND FOUND OUT THAT THERE WAS SOME NEGATIVE ACCOUNTS THAT HAS BEEN REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. I HAVE NO IDEA HOW THESE ACCOUNTS GOT ON MY CREDIT AND NONE OF THEM BELONG TO ME. BECAUSE OF THIS ISSUE MY CREDIT IS NOT IN A GOOD STATE AND IT IS CAUSING ME A GREAT DEED OF STRESS. I'M ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNTS AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.

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 2020-01-10 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
Wf/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to 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 2020-01-10 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2020-01-10 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: TX

Complaint narrative:
I recently reviewed my credit profile and noticed inaccuracies and false extremely accusations

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 2020-01-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
In XX/XX/2019, I entered a debt settlement program here in XXXX. Capital One credit card company was informed of this, as I was unable to pay. They did not draw from my account from XX/XX/2019 ( after they were informed ) because first off, I am not on auto withdraw, and never was! I paid my bill online every month. I went in my account and paid it manually. Yes, they call me everyday all day until XXXX XXXX in order to collect the debt. 

Fast forward to XX/XX/2019 Capital one went into my account where my information is still saved, and stole a {$52.00} ... .and 10 days later ... XX/XX/2020 took an additional {$52.00}. The best part is when I called they said they never applied these payments and they now have to do an investigation even though it is their error. Ironically, I received an email stating that if I did not contact them by XX/XX/XXXX, they would place my account in release, and the very next day they without legal authorization withdrew from my bank account. Bottom line, I never authorized in, and I also think it ; s harassment because I am unable to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: PA

Complaint narrative:
I had been struggling for years to pay my bills let alone pay on my student loans. I was threatened by PHEAA, in XXXX, PA that I needed to contact them to make arrangements or they would start garnishing my wages. They also added some kind of collection fee. The original amount I owed them was around {$33000.00}. Now with their crazy fees they say I owe {$85000.00}? This is like owing money to a loan shark. I called them in XX/XX/2019 and entered into an income based repayment agreement for {$140.00} a month. They said my provider would be a company by the name of XXXX XXXX. To this day I have never heard from them. I called in XXXX to PHEAA and a rude male asked why I was calling him. I said to make a payment. He said he would take it this time but I need to go thru XXXX XXXX. I told him I never heard from them. He said not his problem that I needed to find them. In XXXX, I was on short term XXXX from my employer and was incapacitated for 5 months with no one to handle my affairs. I'm glad just to be alive at this point in time. PHEAA never notified me of anything and started garnishing my wages. When I became able to return to work I realized what was going on with the garnishment, which is against the code of ethics at the bank I work for. My employer told me to take care of it. I called PHEAA in early XXXX and spoke to a XXXX, who said I couldn't reinstate the original agreement to repay. Didn't care at all that I experienced a very serious medical condition. I think this is unfair and not my fault I fell ill. I asked for his manager to call me and never received a return call. I then called exactly 1 week after and spoke to a XXXX. Said again I can't go back to the original agreement and said basically being sick or incapacitated is no excuse. They said I could pay {$250.00} a month for 3 month then would have to apply for a consolidation loan. That's the best he could do. If I could give back my degree, which had done nothing to make me more successful in life. Only to put me in this problematic situation with PHEAA I would do it in a heartbeat. I just want to be treated fairly and most importantly like a human being

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
I had several debit card transactions for a XXXX cruise drafted out of my account. I opened up a dispute in XX/XX/XXXX. The reason I booked this cruise was because of the advertisement of famous artist that would be present on the ship and they would also perform.The artist wasnt there, so therefore I entered a claim XX/XX/XXXX with my bank for services not rendered. I personally went to my bank and presented evidence. I called periodically regarding my claim and each representative gave me a different time frame for my claim to be resolved ( XXXX days ) I was advised that if they could not receive a response from the merchant, I would receive my money back. Each time I called, the merchant had never responded. Today XX/XX/XXXX I called and they advised me that they closed the claim because XXXX has a 60 day time frame. But the time frame for services not rendered was immediate after the dated service, inwhich was XX/XX/XXXX. The date was also on the provided evidence. Not only that, I didnt make a visa transaction and visa is not the merchant but the cruise line is. They were so called able to reach the other merchant on my other claim so they gave me the money back for that one because it was a low amount im assuming. But on this one, the merchant wouldnt respond so the found an excuse that doesnt apply under a services not rendered claim. Both claims were entered at the same time and for the same reason.The the excuse they found should would have applied to both claims instantly. The excuse they found after making me wait 3 months to not pay me is worse than fraud and is pure deceit. Nothing was given to me on credit, I paid my money. The last representative stated I can just file a police report against XXXX. She also stated she would have a branch manager to call me, and i never heard from them.Again, this is NOT A VISA TRANSACTION and VISA is not the merchant that took my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Chase Card Services reported a charge-off account on my 3 credit reports XX/XX/XXXX. Upon learning of this I have tried for over a year to correct this paid off account with the credit bureaus. The credit bureaus continue to report that Chase verified the reporting as accurate. With no such luck of getting it deleted from my credit reports I sent a letter XX/XX/XXXX requesting validation of the debt with competent evidence bearing my signature. I did not receive any kind of response so after 30 days I sent another letter XX/XX/XXXX again requesting validation with any viable evidence bearing my signature proving the account as being reported accurately. Chase finally responded with a letter XX/XX/XXXX stating they are updating my account information with the credit bureaus that says I have a charge-off with an outstanding balance and it does not include any proof of validation or my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: EQUIFAX, INC.
State: UT

Complaint narrative:
XXXX/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: UT

Complaint narrative:
XXXX/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to 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 explanation
Consumer complaint received 2020-01-10 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/2019 Citibank converted a hold that the XXXX placed on my account to a charge. I did not pay for my stay with my Citicard. I only used it to hold the room. The hotel comped one night of the stay. My mother paid for the remaining balance of the stay with her credit card.

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 2020-01-10 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: UT

Complaint narrative:
XXXX/XXXX # XXXX is reporting an account with a balance to my credit report that should not be on there. This account is completely paid off but is still reporting a balance, it is in violation and needs to 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 explanation
Consumer complaint received 2020-01-10 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: OK

Complaint narrative:
Back in XXXX I filed a complaint of fraud for this account. I asked them to send me the validity on this account and how it was opened. I have not received it and they keep reporting to credit bureaus. They have been " investigating '' since XXXX but keep reporting. I spoke with XXXX and he said they need my information and haven't done anything but sell the debt to XXXX XXXX XXXX. I have asked for this to be removed because I didn't open this 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 2020-01-10 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: OK

Complaint narrative:
Back in XXXX I filed a complaint of fraud for this account. I asked them to send me the validity on this account and how it was opened. I have not received it and they keep reporting to credit bureaus. They have been " investigating '' since XXXX but keep reporting. I spoke with XXXX and he said they need my information and haven't done anything but sell the debt to XXXX XXXX XXXX. I have asked for this to be removed because I didn't open this 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 2020-01-10 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: ENCORE CAPITAL GROUP INC.
State: UT

Complaint narrative:
Midland Funding # XXXX is reporting a collection to my credit that I do not owe. I never received my 30 day right to dispute notice for this account, and when I saw it was on my credit I paid it off immediately. This account is paid and should no longer be reporting a balance, and they are in violation of my 30 day right to dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I'VE NOTICED THAT MY MOST RECENT CREDIT REPORT CONTAINS SEVERAL LATE PAYMENTS REPORTING ON MY CREDIT FROM XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, AND XX/XX/XXXX FOR MY BANK XXXX XXXX. I'VE HAD FINANCIAL HARDSHIPS WHICH AFFECTED ME TO CONTINUE MAKING MY ON-TIME PAYMENTS. I'VE MADE A MISTAKE IN FALLING BEHIND, BUT SINCE THEN I WAS ABLE TO IMPROVED MY RECORD ON MAKING ON-TIME PAYMENTS.

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 2020-01-10 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: DISCOVER BANK
State: NV

Complaint narrative:
I lost my discovered mile card and i was on the phone with them over an hour, and some department told me that nobody can't told me to which is a lie!!! since the customer service did talked to me and went over some unauthoriezed transaction ... .. and the job isn't completed i'm just fed up with them discover is treating me horrible. please help me with these unauthorized tranaction, i myself can't even log in to see it the last time i had it was at XXXX  which was on XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-10 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I've reached out to XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : XXXX/XXXX XXXX  Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/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 2020-01-10 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: GA

Complaint narrative:
I've reached out to XXXX XXXX and asked them to provide me with documents, and the procedure they took that proves and validates that I had ever been late on any of my payments. I have yet to receive any proof and I dispute the accuracy of the information that is being reported on my credit report. This is in direct violation of federal law. I do wish to keep my account open and in good standing but I am disputing the fact that I had ever been late on paying my monthly bill. The late payment is said to have occurred in XX/XX/XXXX Please See attachment. 
Account Name : XXXX/XXXX XXXX Account Number : XXXX Account Type : Charge Card Date Opened : XX/XX/XXXX Status Open. 
Allegedly LATE : XX/XX/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 2020-01-10 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian will not correct my closed account status for XXXX XXXX. This account was paid in settlement in XXXX and it still shows it as charge off. I disputed this accounts status for the third time in XX/XX/XXXX with Experian. Experian concludes it was a charge off and updated the account as a charge off status for XX/XX/XXXX when the account as settled and paid in the summer of XXXX. I even attached settlement letters to my Experian dispute from the lender and they still wont fix it. This has dropped my score even more because Experian shows it as a recent charge off while its been over two and half years. They just dont get it!

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