vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Yes my name is XXXX XXXX and wells Fargo claimed I open an account that I never opened I would like it taken of my XXXX XXXX report and compensated

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 2019-05-01 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: MI

Complaint narrative:
These accounts are fraudulent : XXXX {$530.00} XXXX  {$190.00} XXXX XXXX   XXXX {$110.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: Conn's, Inc.
State: NC

Complaint narrative:
I have a loan with CONNS. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and XXXX and CONNS with no successful resolution. XXXX, XXXX and XXXX are reporting me late. There was definitely an error on their part. I was never 30 days late XX/XX/XXXX and XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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:
im an identity theft victim. 
accounts that are not mine XXXX XXXX XXXX XXXX XXXX chapter XXXX bankruptcy XXXX XXXX XXXX XXXX XXXX inquiry XXXX XXXX XXXX XXXX not mine XXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX XXXX XXXX XXXX XXXX not mine vXXXX XXXX XXXX XXXX not mine XXXX  XXXX XXXX not mine XXXX XXXX XXXX not mine all these accounts are due to fraud

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: FL

Complaint narrative:
im an identity theft victim. 
accounts that are not mine XXXX XXXX XXXX XX/XX/XXXX chapter XXXX bankruptcy XXXX XXXX XXXX XX/XX/XXXX inquiry XXXX XXXX XX/XX/XXXX not mine XXXX XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine XXXX XXXX XXXX XXXXXX/XX/XXXX not mine XXXX XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine XXXX XX/XX/XXXX not mine all these accounts are due to fraud

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 2019-05-01 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: CA

Complaint narrative:
This is my 4th and final complaint against this bureau. I have sent several affidavits yet They refuse to properly address them. 

I have never been provided the methodology for these alleged accounts on my report. 
1. XXXX XXXX XXXX XXXX ( 2x ) 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX XXXX XXXX 4. XXXX XXXX They have refused to provide : 1.name ( s ) of representatives spoken to at the above institution 's that they allegedly verified these accounts with. 
2. Complete account number ( s ) 3. Time, phone number called, date spoken with 4. Title of rep spoken with to allegedly verify these accounts. 
5. Methods used to verify 6. Complete name, ssn, dob of alleged account holders ' name.

7. Date account was opened, reported etc 8. Name of representatives at above institution 's that opened these accounts 10. Branch Locations where these accounts were allegedly opened 11. The original, signed documents/contract from the above institution 's 12. Notarized, Affadavit from creditor ( s ) stating who the debtor is. 

In addition, this process has went om for 1 year with no resolve. 
I am being held hostage and my credit is being adversely affected in the process. 

I demand that these accounts be deleted immediately as you have not done what was necessary in the allotted timeframe. 

In addition I have repeatedly started that no other names are mine beside XXXX XXXX. 
Yet they continue to illegally report other names that don't belong to me. 
They clearly have me mixed up with someone is. 
I have repeatedly stated that no other addresses being to me besides XXXX XXXX XXXX XXXX XXXX   XXXX XXXX, CA XXXX Yet they continue to report addresses on my report that don't belong to me. 

This is illegal and unfair. Justice will be met. 

Signed, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax is violating the FCRA. I filed a dispute with Equifax about the closed XXXX XXXX XXXX account being incorrectly reported as a current charge-off. Payment status is supposed to reflect the current status of the account. Not only did they fail to correct the false information but Equifax is now committing FRAUD since they changed the current status of the account which was PAID OFF ALMOST 3 YEARS AGO to start reporting as A CURRENT CHARGE OFF as of XX/XX/2019 ( THIS YEAR )!!! It is not a currently delinquent account. It is a paid account and has been for several years now.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NY

Complaint narrative:
I applied for a XXXX XXXX  position at the company XXXX XXXX on XXXX. I was contacted a few days later with a scheduled interview. It was an online interview for 30 minutes. I was supposedly selected then a few days later I was sent a check to purchase office equipment for my home. I went to my bank on XX/XX/19 and asked the teller " do you think this is legit? because I am not familiar with positions like this ''. I was told that if the check goes in my account it should be good to go. XXXX contacted me and asked if I was ready, I said no because the money isn't in my account and they said it should be there by tomorrow the latest. I checked and it was there so I thought everything was legit. My next step was to go to my bank and get a cashiers check and take that check to XXXX XXXX XXXX. I explained the situation again " does this seem secure because I am not familiar with this kind of business '' but I didn't receive any warning. I did all this by XXXX on XX/XX/19. The people were suppose to deliver the equipment to me by XXXX. Something told me to check my account. I checked, the funds from the check was gone along with that same amount from my bank account. I called my bank, they told me to go to XXXX XXXX  XXXX and stop the check. I got there at XXXX and told them to please stop the check, something is wrong with this transaction. The lady at the branch told me that it was already scanned. Now here I am. 

I have been trying to get to the bottom of this with XXXX  XXXX XXXX, they sent me a few forms to get signed by my bank ( HSBC ) but they keep telling me that they can't sign anything. I am trying to get to the next step with this issue but my bank is not assisting me so now am trying to see what I can do to resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this showing as a late payment on my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My complaint is about a late payment on my Wells Fargo Credit Card account that was 30 days late on XX/XX/2018 for the amount of {$26.00}. I was never notified or informed that my account was past due. My previous card on file was cancelled for fraudulent charges and I was issued a new card. My new card however, did not have my automatic payments set up and I was never notified that my card 's bill was due or when it was past due. No telephone calls, letters, or emails were sent to me. There has been a mistake here. I have been doing business with Wells Fargo for almost 11 years without a single late payment on my record until now. I would love to continue to do business with Wells Fargo but if this late payment is not removed from my account, I will have to stop doing business with Wells Fargo immediately. I would love to continue our relationship moving forward and have this dispute resolved. The complaint is about Wells Fargo and their information is here : WELLS FARGO CARD SERVICE -XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXX XXXX XXXX IA 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 2019-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION

Complaint narrative:
I'm an XXXX XXXX XXXX XXXX that arrived to XXXX with my wife and XXXX kids under XXXX orders on XX/XX/XXXX. On XX/XX/XXXX, I noticed that my USAA daily checking account wasn't available on my phone application, but thought it was a system error since I had just updated the USAA Mobile App on my phone. The next day I had my wife, an authorized owner of the account, verify with the USAA web page that the account still didn't appear. I then suspected that the account had been closed when my phone got disconnected due to a failed automatic withdrawal. I immediately called USAA to inquire the reason for the closure of my account that I use to pay all my and all USAA products that I own. 

Their excuse was that my XXXX sister, one of the four authorized account owners since XXXX ( me been the primary ), had not provided proof of identification and therefore the account was closed. Again, she is a XXXX years-old  XXXX person that can't speak XXXX XXXX on her own. I have been using this account for nearly 9 years and its were my XXXX check gets deposited every XXXX day of the month, yet USAA decided to close this account without notice and with zero consideration to what damage closing this account for one of their loyal members. I had to make a {$14000.00} loan to match this XXXX 's paycheck since XXXX won't resubmit this month 's check until my next payday, which is on XX/XX/XXXX. At the time I called USAA, I asked them to simply remove my sister and reinstate the closed account ( which would have been the preferred initial course of action ), but they said that was impossible and that they could not help me.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: TX

Complaint narrative:
I have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 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: TX

Complaint narrative:
I have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now

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 2019-05-01 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: TX

Complaint narrative:
I have sent the credit bureaus the proper paperwork they need to remove this account from my credit XXXX XXXX XXXX : XXXX its been going on for 3 months now

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 2019-05-01 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: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
I have a credit card with NORDSTROM/TD BANK. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called NORDSTROM/TD BANK and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and NORDSTROM/TD BANK  with no successful resolution. XXXX only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-05-01 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
I have been asking this company to send me copies of the original Medical bills, with my signature and amount date of service to verify this is my account since XX/XX/XXXX this agency has continue to not to provide this information. I have sent several certified letters requesting validation an they will not provide me copies of my original bill however they sent a letter stating they verified the debt. The company continue to verify the debt with all three credit bureaus which has cause mean to have credit issues regarding these medical bills. I have contacted them in XX/XX/XXXX by phone and was told they can't provide me the original Medical record an they refuse to remove this information, they are a third-party company.

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 2019-05-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have a credit card with XXXX XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called XXXX XXXX  and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting Equifax, and XXXX XXXX  with no successful resolution. Equifax only reporting me two 30 day late payments. There was an error on their part. I was never two times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MN

Complaint narrative:
In the Fall of XXXX, I tried to apply for a HARP refinance loan only to find that XXXX XXXX, who serviced the loan, had " bank errors '' which forbid me to do so. Hence, it was recommended that I apply for a " Loan Modification '' instead. The problem was ( as countless other consumers have experienced leading to even foreclosure ) this process was flawed with delays, incompetence, and never ending re-applications. ( In fact the Attorney General for the XXXXtate of Minnesota intervened at one point to shut down an illegal  foreclosure date! ). 

Though it took a long time, it appeared that XXXX XXXX had " finally '' reached an approval of {$1100.00} per month modification ( my current 5.25 % loan at {$1700.00} payment ), but inexplicably before signing off the 3 month trial period, transferred the loan to Rushmore Loan Mgmt Services of XXXX, CA. in XXXX, XXXX. 

That is when the insanity became even worse! 

After several applications, the underwriter presented questions never asked in my 35 years of finances which even my legal counsel could not rectify ( counsel had worked countless times with Rushmore who has had nothing but documented nightmarish experiences for consumers nationwide ). Even though I have presented financial numbers that more than qualify me for not only a Loan Modification, but even a Refinanced Loan, they refuse to " approve '' or even consider any option but either : ( 1 ) Foreclosure or ( 2 ) Repayment of back payments which would be insurmountable at approx. {$100000.00}. I have endured countless monetary losses from legal fees, not to mention did not receive a lower a 2.75 % APR as well as my credit report was ruined! My health has also taken a toll from the endless stress and hours over the years battling for what " never should have been ''. 

Now I am faced with a Lawsuit '' and even possible " Foreclosure '' when I have the Employment ... Qualifying financials ... to make payments and qualify for a modification. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Minnesota XXXX Loan # XXXX XXXX Rushmore Loan Mgmt.  Services 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 2019-05-01 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: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
I have a credit card with CAPITAL ONE. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called CAPITAL ONE and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, and CAPITAL ONE with no successful resolution. XXXX   only reporting me four 30-day late payments. There was an error on their part. I was never four times 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-01 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: SYNCHRONY FINANCIAL
State: HI

Complaint narrative:
I have a credit card with SYNCB/XXXX. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called SYNCB/XXXX and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and SYNCB/XXXX with no successful resolution. XXXX, XXXX, XXXX   only reporting me 30-day late payment. There was an error on their part. I was never 30 days late.

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 2019-05-01 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: WELLS FARGO & COMPANY
State: HI

Complaint narrative:
I have a credit card with WELLS FARGO I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report, I called WELLS FARGO and they said their system automatically put me on paperless billing, which I did not request. I was awaiting letter in the mail all this time just to find out their system had an error. As you can see, I have always had a stellar payment record. I tried contacting XXXX, XXXX, XXXX, and WELLS FARGO with no successful resolution. XXXX, XXXX, XXXX  only reporting me 30-day late payment. There was an error on their part. I was never 30 days late.

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 2019-05-01 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: TX

Complaint narrative:
I've tried to have this fraudulent account removed from my credit report. I have no knowledge of ever having a credit card with this company.

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