vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-07-09 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is a follow up to complaint XXXX. I do not accept Wells Fargo 's Response. They have not adequately addressed of my concern, and I will not stop lodging complaints until I am satisfied. Also, I did not receive any voice mail messages from anyone at Wells Fargo that someone was trying to reach me. So I don't feel adequate effort was made to reach me. Again, my main complaint is that Wells Fargo cheated me out of my loan my closing the loan without my approval. This was after dragging me on for 8 months of poor service with a poorly trained employee. The entire point of my argument is that I specifically asked XXXX XXXX to keep the loan open while I checked on other resources, and he agreed. Despite being told that the call was being recorded at the time, you have told me that you do not have a copy of the call. Which honestly, I do not believe at this point. Now that I have asked to get on a call with XXXX XXXX and Wells Fargo Management ( I didn't specifically request the Board of Directors, I just want witnesses ) you're telling me that you won't set it up. These seem to me to be obvious signs of a company with a problematic history of cheating customers trying to hide more malfeasance. This also makes it clear to me that you know I am right about Wells Fargo cancelling my loan when I specifically requested it to remain open. As a result, you cheated me out of my chance at the loan, you made me waste hundreds of dollars on fees that I want returned and I want a settlement for all of your obfuscation and attempts to get rid of me to hide the error. XXXX XXXX knows the truth and you are preventing the truth from coming out. I am not satisfied and still request a phone call with XXXX XXXX and management witnesses. thank you

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 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Refund anticipation check
Issue: Problem with customer service — 
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
The security of Navy Federal not doing there job an they close my account for good

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Trying to setup XXXX card for my children and PNC bank won't verify information and communicate with XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX  XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX  XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT ED/XXXX,  XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, UNIVERSITY XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX USA, XXXX, XXXX XXXX XXXX, XXXX UNIVERSITY Company Inquiries : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by Santander. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. Santander at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and Santander, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: AR

Complaint narrative:
I sent multiple credit disputes with these companies asking them to investigate items on my credit report that are not mine. I sent in a report from the federal trade commission with my personal statement. I also sent in a detailed letter referencing federal laws that the bureaus must abide by, based on their lack of responding in the time frame and their investigation results they have not abided by these laws.

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 2020-07-09 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I made payment on account A card the payment was applied to account B card for months XXXX, XXXX, XXXX, XXXX, and XXXX all of my payments where paid on time each month. The Credit Card Company reported to all three credit bureaus late on credit card A and sent to collections. I call called Credit Card company they made correction and had me contact your agency. They made the correction on there side of this issue. I have bank statements and confirmations showing payments to credit card A.

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 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX  XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US SM BUS ADMIN XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I received a call from a student loan company stating about a debt I needed to pay. I have never applied for student loans. I have never gone to college. I quickly opened an account with XXXX XXXX to review my credit report. I found student loans and other fraudulent accounts I have never opened or gave anyone consent to open. Please delete these items from my accounts as soon as possible. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 01 XXXX XXXX XXXX XXXX XXXX, 06 XXXX, DEPT OF ED/XXXX, DPT EDXXXX, XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, U S DEPT OF EDXXXX, XXXX XXXX XXXX, XXXX XXXX, MEDICAL, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Holloway Credit Solutions
State: AL

Complaint narrative:
This letter shall sever as my formal and last notice of my intention to file suit against your organization. You are currently reporting accounts to my credit file that are legally incorrect and fraudulent, These account is a direct result of the 2017 XXXX Data breach, this breach leaked the personal data of over 143 million Americans, the information leaked included my name, birth date, address, phone number, social and driver 's license number were compromised and used to open several accounts without my permission. Ive requested a full debt validation, I have yet to receive any contact back. Legally companies have 30 days to send the following information listed below ; and they have not done so. Please remove this information from my credit file as soon as possible. 



Fraudulent account for {$180.00} Fraudulent account for {$660.00}

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: TN

Complaint narrative:
I have been affected by covid 19 disaster and requested a forbearance for card ending XXXX was granted in XXXX over phone and was told that I will not be required to make any payment, contacted them in XXXX and XXXX and was told the same that the account has been closed and put on forbearance, the negative reporting on my credit report was a error by the bank and will be removed., in the month of XXXX I called back and called bank several times phone, email, bank was closed to customersdue to COVID. The mobile app WAS LOCKED BY THE BANK will not let me make any payment, or transfer money from another bank account, OR MAKE ANY PAYMENTS TO MY CREDIT CARDS .Then they put three months late payment for XXXX, XXXX and XX/XX/2020 on my credit report with Experian & XXXX . 
saw bank Manager Ms XXXX XXXX at the XXXX XXXX XXXX XXXX on XX/XX/XXXX at XXXX XXXX to make the payment and resolve this and was promised that it will be fixed. As I sent an email to Ms XXXX next day the Bank manager went for leave next day for three months as per her email. Their billpayer department accepted that it was a bank error and will be fixed ; I deposited money in my saving account-through teller same day to make payments and the check was put on hold on XXXX XXXX and XXXX XXXX they put another 30 day late payment on my credit report on account ending XXXX. 
They will not answer phone, put on hold for long durations and disconnect once they pick up the phone.This is how the way things have been for several months with XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: LA

Complaint narrative:
Issues with equifax reporting mixing up account disputing wrong account Dispute my positive accounts losing 20 point after paying down positive account and next account I've paid to XXXX balance score drop 49 point

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I was trying to cosign for my mom a vehicle, and the car salesman told me my credit was low. I told him to show me my report and print me out a copy. There are items on my credit that needs to be removed as soon as possible. These items are fraudulent accounts. I have contacted the FTC and my local police and I am doing this on my own behalf. Please remove these from my report : 11 XXXX, XXXX XXXX XXXX, 10 XXXX XXXX, 11 XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX Company Inquiries : XXXX XXXX XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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: CA

Complaint narrative:
I have contacted Trans Union and XXXX  on several occasions since 2015 regarding incorrect information not pertaining to me showing on my credit report. I contacted XXXX as well because the security questions don't pertain to me and I'm unable to access my credit report from them. It's extremely frustrating to be turned down for a job and to be denied an apartment due to incorrect information on my credit reports. I feel I am being discriminated due to being XXXX and not being an XXXX XXXX. My friend is XXXX and she contacted all 3 credit bureaus with concerns identical to mine and with in weeks all inaccurate info was removed from her reports. Please help me. My husband is XXXX recovering from a massive XXXX I'm trying to get my family ahead and unable to due to XXXX credit bureaus singling me out.

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 2020-07-09 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: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
INVESTIGATION IS TAKING LONGER THAN 30 DAYS Sent letters to XXXX XXXX & XXXX XX/XX/2020 about inaccurate information on my credit report WELLS FARGO {$380.00} XXXX XXXX {$1700.00} XXXX XXXX XXXX {$1000.00}

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 2020-07-09 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: KY

Complaint narrative:
Account reporting on my credit report and it been past the 7 year time frame for account to show on credit

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-09 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:
XX/XX/2020 Creditor reported my loan account was closed. 39 point drop in credit. 

XX/XX/2020 account was set back to open but my balance was changed. They changed my opening balance to {$23000.00} and set loan balance to {$19000.00}. 
It resulted another decrease in credit. 

XX/XX/XXXX, the creditor changed my payment history from 75 % to 33 % this resulted in another decrease in score. This was wrong. 

XX/XX/XXXX, they reported my vehicle was repossessed for the month of XXXX. My vehicle was never repossessed. 

XX/XX/XXXX, they reported my account was closed again and my credit dropped 9 points. 

Ive filed formal disputes and contacted them directly. They continue to do this which has resulted in over 60 points being dedicated from 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 2020-07-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, 2nd form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.

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 2020-07-09 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:
For the 2nd time in 2 days, I got denied a loan because they think my car was repossessed by XXXX. Whatever lingo is in the community as far as reporting, they are using words that make it appear I defaulted on this loan. I did not default on this loan. I was severely hit by a drunk driver who totaled my car. My insurance paid the majority of it and the rest is really interesting to me. XXXX at last minute during the approval process enforced that I include their GAP insurance protection, and it was sold to me, as a no worry, XXXX form of protection so if anything like what happened to me happened, I was covered. So somehow, between XXXX XXXX XXXX  who I have already had to take to court and XXXX, they seem to have left {$1000.00} on my account and they opened it after the load and then closed it and I see that that is why everyone thinks that I had a repo. Because they think it was to court or diminished value. This needs to be reported as an accident or if closed removed. I would like to see the details of this GAP insurance i paid for that was either around or more than the total of what they have left on this account. You can not report these things like this and aim to damage someone's reputation who was a victim of a drunk who chose to drive and hit someone. I have two people now who have denied me and I am enclosing the angry conversation I had with one Finance Dept Individual who was XXXX enough to say in text what she thought, but it will help me prove my point of damage.

Company response to consumer: Closed with explanation