vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I legally changed my name in court of law in XXXX XXXX Florida on XX/XX/XXXX. That day I changed my name, using the court order, with the Social Security Administration. Later, the next week, I began changing the name on my driver 's license, bank accounts, utility accounts, etc. 

In XXXX, I discovered that none of the credit reporting agencies picked up on my new name, so I contacted each XXXX. XXXX allowed me to change my name on my credit report over the phone by extensively asking me information on my credit history in which only I would have the knowledge. Experian required a copy of the court order, my new driver 's license, XXXX utility bills in my new name and my new Social Security card by mail. I sent them all of that information by mail with a tracking number. 

I then received an email from Experian, after logging into their website and looking at my account. My Experian account said I had NO XXXX XXXX. Since I am XXXX XXXX XXXX and have bought houses, cars and have had investment accounts over the course of my life, I found this absurd. So, I contacted them via a form on their website explaining the problem and asking them to move my information from my old name to my new name, since only my name had changed and not my credit history. 

I received an email reply from " XXXX XXXX '' stating : " Thank you for contacting Experian. I understand the concern with your score. 

Your score XXXX not be available at this time. Upon checking your account, it shows that there are no trade lines that are 6 months or older- XXXX Report. 

You can add self-reported utility payments to your credit report through XXXX XXXX ' which can instantly increase your FICO Score based on your Experian credit report. '' This seems to be a predatory business practice and XXXX discrimination. Are they telling me that every woman who gets married loses their credit history when she takes the name of her husband? And does every husband lose their history when he adds his wife 's maiden name to his last name? 

Telling me that I need to pay them ( Experian ) for " Experian XXXX '' and to personally and manually take the time to provide them with my last XXXX months of utility bills ( which I don't have since I won't have my new name for XXXX months until XXXX, XXXX ) seems like a slimy way to chisel money out of people who have had a XXXX XXXX in the XXXX 's for years. 

This predatory practice and XXXX discrimination needs to stop and my credit history under my old name needs to be restored, since I am the same person I began to be 73 years ago and have had a credit history for over 50 years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not give written instruction to furnish the following experience and payment transaction. 

XXXX XXXX XXXX XXXX  reporting as late These are the laws being violated : Fair Debt Collections Practices Act 15 USC 1692g violations Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: MOHELA
State: OH

Complaint narrative:
I have loans attached to my account. My name is XXXX XXXX XXXX and there is a name attached to my account of someone with the name XXXX XXXX XXXX which is not me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX through XXXX XXXXMy balances were closed and taken based on Wells Fargo not taking out money when they should ..taking out too much money or double 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 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In 2019 I had my Wells Fargo account they charged me over XXXX or more in fees it hurt me so bad that they close my account I wasnt able to recoup from that

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Overcharged for fees XXXX a month and also had mortgage through this settlement

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Portfolio Recovery Associates, LLC
State: AZ

Complaint narrative:
Portfolio Recovery Associates , LLC contacted me about a debt owed to XXXX XXXX. They called me while I was doing university work ; therefore, I could only be on the phone briefly. They should have emailed me to find a convenient time to call me. It was very intrusive and disturbed my important computer test for XXXX XXXX XXXX They could argue my phone should have been silent, but I was in the comfort of my home ( I attend University Online ) and left my phone on just in case someone needed to reach me for an emergency. The University did not require my phone to be off, so I left it on for emergency contact only ( my mother is elderly, and I am one of the few people she can contact in an emergency ). The phone number was an area code I recognized, hence why I answered the phone. 
Furthermore, I am not sure if the debt is mine. I have had credit cards, but that was over ten years ago. Hence I need to do an investigation to confirm the debt is mine. I did say over the phone that I did not have money to pay any debt because I am attending University and all my living is being covered by money from the University. I did not agree to anything over the phone. I did say to send me more information later because I could not be on the phone. My mind was focused on my University work, so I said the first thing that came to mind to disengage the call. I feel like I was being coerced into resetting the statute of limitations. If there is debt, it has surpassed that limitation by a lot. No actions have been taken except for the attempt to collect a debt. I received a phone call from this collection agency on XX/XX/XXXX for {$510.00}. They did sent me a letter that required me to prove I was going through a hardship ; in response to telling them to contact me later. Despite that, I was not trying to open a line of communication with them ; they should have emailed me to figure out when a convenient time to call would be okay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: PA

Complaint narrative:
This account was established for my government unemployment deposits. I had security set to advise me, via text message, of all transactions. On XXXX I called to check my balance and heard transactions that were not mine. I thought it had to be an error, I called Reliacard and was transferred to fraud dept. I informed them that I did not authorize any ACH transfers nor have I ever done any ach transfers on my account. I have written and called Reliacard on several ocassions to no avail for over a year waiting for requested proof of documents for the change of data. I filed a police report and provided them the information, to no avail. They've responded no error found and send me transaction information instead of history and proof that I made the call or change of record! During a conversation with the fraud dept, their notes indicated the phone number change was by a male. I told them it was impossible, how could they make a change and not follow up and confirm with written notification. How could they accept change information from a male! I never received notification that such a request was made. They only replaced the bank card and account number. Never provided any proof I made the change and ach transfers.Reload money and issue a new card mail to XXXX XXXX XXXX XXXX pa XXXX XXXX XXXX XX/XX/1987 ssn XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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 is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Transunion has defamed my character and committed fraud by falsely reporting accounts, addresses, inquiries, and employers on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: LA

Complaint narrative:
Had XXXX modifications ... XXXX and XXXX. 

Wells Fargo said I was approved for a modification and then put my house in foreclosure XXXX  times when they had all of my documentation. They told me for almost a XXXX XXXX XXXX XXXX to not pay and to send in documentation. I always sent in what they needed and they would say they had everything and then say that I didn't send it. It went to another person to handle and the process started over. It was charging me interest the whole time. 

I owed {$77000.00} in XXXX and now I owe {$130000.00} in XXXX.?????? Their fault due to repeatedly asking for the same paperwork over and over and saying I didn't send it when I have proof I did. Putting my house in foreclosure for no reason twice. 

I bought my house in XXXX for {$92000.00}. XXXX  years later I owe {$130000.00} ...??? 

The only reason I saved my house in the last foreclosure is because I did research and found out they couldn't follow through with foreclosure because my account was in the middle of being sold to another company... ..I know I was not treated fairly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
An XXXX XXXX account with a {$20000.00} limit was opened on my Bank of America account without my permission, knowledge, or consent. The card was mailed to my old address. BofA said the application was sent in on XX/XX/23. I noticed it on XX/XX/23 and contacted BofA to shut down the card. I also froze all my credit and changed my passwords, as directed by BofA.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I attempted to make a transfer from my wells fargo bank account but the account was froze due to suspicious activity so it took me a couple weeks to move my funds from the account and somewhere else that wouldn't freeze my account so i could make the transfers i was attempting to make. Its my understanding that Wells Fargo who be paying me {$100.00} for the problems in the agreement that was made for their illegal activities.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX XXXXXXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NEW YORK XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX  XXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 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: FL

Complaint narrative:
XXXXXXXX XXXX XXXXXXXX. 
XXXX XXXX XXXXXXXX XXXX XXXXXXXX, NEW YORK XXXX DATE Open XX/XX/XXXX Charge Off XX/XX/XXXX Credit limit {$2200.00} Highest balance {$2200.00} XXXX XXXX  XXXX has committed Securities Fraud and identity thief against Me. 
XXXX XXXX  XXXX has taken Security against me without my consent and used my name without my consent. All credit card are repaid.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify - through the physical verification of the original signed consumer contract - any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below by law credit reporting agencies are required to report up to date and accurate information i have attached my report showing all innaccurate information, including XXXX XXXX  Which shows no account number ACCOUNTS XXXX XXXX XXXX XXXXCCT # XXXX XXXX XXXX ACCT # XXXX XXXX XXXX  acct NUMBER NOT REPORTING XXXX XXXX  ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DE

Complaint narrative:
I opened my citibank accelerate saving account on XX/XX/2022, using their promotional offer, which saying that deposit {$50000.00} or more within the 20 days of opening the account and maintain for 60 days could get {$450.00} bonus. After I opened the account, I funded my account {$50000.00} by XX/XX/2022, and then I received the email from citibank on XX/XX/2022 saying that " Thank you for enrolling in the Citi Accelerate High-Yield Savings Tiered Bonus Offer '', which I have attached below. I suppose this email indicates that I am already enrolled in this offer which is in conjunction with my account ( the account number matches in their email ). But until today I didn't receive the {$450.00} bonus, I have called citibank on XX/XX/2022 and they opened a case for me XXXX, after their investigation they said that my account is not qualified for this offer. I suppose this is a misleading and deceptive behavior from citibank. I have uploaded the resolution letter from them, the file that saying my account is qualified for this offer and the statement showing that I have met all the requirements.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-22 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: ID

Complaint narrative:
I received a email from PayPal requesting my account be verified by uploading a copy of my id and proof of my address. It also stated that I had changed my address to an address that was not mine. It had me upload a picture ID and then it disappears from the resolution center on the website PayPal.com I have not been able to close the account without resolving the issues listed in the email. I tried calling the support line however it was an automated system that I couldn't get in touch with a live representative and eventually disconnected me from the call. I also reported it to the email listed on their website, XXXX paypal.com

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-22 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: SANTANDER HOLDINGS USA, INC.
State: FL

Complaint narrative:
SANTANDER BANK XXXX XXXX XXXX XXXX. 
XXXX PA XXXX date opened XXXX XXXX this paid in full and sold to another company. 

SANTANDER BANK HAS COMMITTED Securities Fraud and mortgage fraud and identity fraud. SANTANDER BANK taking Securities out on my name without my content which is identity thief, Securities fraud and mortgage 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 explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
This complaint is a follow up to Complaint # XXXX. I am still unable to unfreeze my credit report. When I call Equifax, the automated system says the information they have for me is inaccurate ( meaning my name, dob, SSN , street address, etc ). Even though the system says the address I input is incorrect, I did receive a letter from them dated XX/XX/23 regarding my request concerning inaccurate information your Equifax credit file. I DID NOT make this complaint. My complaint is that I am unable to Unfreeze my credit report!!! I can not get a credit application reviewed & approved because my Equifax report is locked!!! 

I will contact an attorney if I can not get this corrected as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
That when the state was sending out stimulus direct deposit and child tax credit they on their own credit your account with out your knowledge.

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