vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-12-21 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I noticed a strange monthly autopay on my Wells Fargo checking statement that went back as far as I could look on the WF online banking. The payment was for Wells Fargo credit card that did not show up on my online banking, nor did I recall opening the account. I called Wells Fargo in XXXX and told them of this issue. They said the account was opened in XXXX in a branch, but without a signature. I do not believe I opened this account. Since XXXX, Wells Fargo has been taking from my checking account anywhere from $ XXXX $ XXXX monthly and paying this credit card which I never had possession of, nor did it appear in my online banking. When I spoke to them in XXXX, they said they would open an investigation and give me a call in 2 business days. A month later, they still had not called me back. I called again and they said they closed the case. I opened another case and no one called me. They sent the letter from their " investigation '' to my old mailing address. The investigation letter contained a number of false statements ( for example, it said the credit card had been used as recently as XX/XX/XXXX, but I obtained all the statements and it had not been used since XXXX ). I called back and was given the run around once again. I believe Wells Fargo fraudulently opened this account in XXXX, withdrew thousands from my checking to " pay '' it, and now have been giving me the run around for nearly two months.

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 2020-12-21 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: CA

Complaint narrative:
As an INJURED CONSUMER of currently unproven compliant and or valid misinformation, I DEMAND you remove immediately the claim ( s ) as related to the alleged delinquencies and claim of CHARGE-OFF/ COLLECTION and further ANY ASPECT OF ACCOUNT potentially injurious to me. Prove alleged derogatory reporting claim of CHARGE OFF/COLLECTION is fully true, correct, complete, timely, valid, physically verifiable by document testimony certifying all data of allegation ( s ), every notation, all aspects, dates and balances, payments and balance calculations, accounting and audits, Identifications and personal identifiers, pay statuses and source codes, all 426-characters of the mandatory correct and complete P6 statement with all of its trailing fragments, each of the sequential 386-pieces of confirmation to collection, creditor classification code, collector class code ( if any ), and all aspects of requisite perfect reporting, mentioned or not INCLUDING TO THE MANDATORY PERFECT METRO 2 FORMAT REPORTING COMPLIANCES! Compliance of reporting and VALIDITY of claim ( s ) are MINIMUM MANDATORY CRITERIA to REPORT, NOT OPTIONAL. You MUST adhere to my state and the applicable federal reporting laws or else be subject to civil action and suitable penalties and or fines for your dereliction, willful in nature OR in IGNORANCE matters not! REMOVE any and all aspects of delinquency ( ies ) and or derogatory allegation ( s ) now to OBTAIN, RETAIN, or to return to reporting with legal standing in full accordance of requisite mandates of law, be them mentioned here or not! I DEMAND you do so TODAY, even HERE and 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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
On Monday, XX/XX/2020, I received a call from a number I didn't recognize XXXX XXXX XXXX XXXX. I did not pick up and the message that was left was just music. Soon after, I received a text from my Father in XXXX saying that he received a call from the same number ( XXXX ) XXXX, which was a Company called XXXX XXXX, asking that I call them ASAP at ( XXXX ) XXXX. They gave him a reference number which I've saved, and I called them, thinking I needed to sign for a package that was to be delivered. I gave the reference number and was transferred to the legal department. They mentioned that I had delinquent credit card debt that was owed to Wells Fargo from an account opened 15 years ago, and that they are proceeding with civil action if I don't pay off the debt and settle with them over the phone. He didn't give me an amount owed, and I haven't used Wells Fargo in over 8 years, since moving from XXXX to XXXX. I have great credit, have paid off delinquent debt, included Wells Fargo, and keep track of any current debt. What scared me the most, was that the man that I spoke with had my maiden name, my current address in XXXX, the last 4 digits of my social, and my Dad 's cell number. I didn't give out any personal information to him. He said that they had mailed an initial request for debt collection in XXXX to my current address, but I never received anything. I tried to explain this to him, but he said that if I don't settle with him over the phone, that Wells Fargo would serve me legal papers and take me to court. I got concerned and asked that he send me paper copies of the initial document, and he told me that I wasn't understanding and that they had notified me in XXXX. I began to get mad, and he ended the call with you've been served, and hung up. I'm furious, and need this company reported. Not only did they threaten me, they made me believe that I owe debt that is not owed. I'm scared of identity theft, and want to make sure to report them because I'm sure I'm not the only one that works hard to pay off debt. My personal information does not feel very secure right now. Please please report this company. 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 2020-12-21 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: AZ

Complaint narrative:
Experian wont let me make dispute the late marks on my credit record from XXXX. XXXX claims they did not do this or can remove it. I have filled several disputes, now Experian wont let me do anymore or even have phone number to contact a real person. Experian is responsible for correct info on your credit report, but not if they dont listen to customers. I even paid to get daily updates on Experian which that never happened. Apparently they dont follow rules and regulations like the rest of us. If they did do the proper investigation they would have see it on my account. I dont miss payments never. Before bankruptcy and after. Look at my accounts alway on time never 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 explanation
Consumer complaint received 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I contacted transunion regarding being a victim of their inquiry issue because there are quite a few on my report not initiated by me. Customer service was not very helpful in getting my issue resolved and as a victim I wouldnt think the process would be so difficult to correct inaccuracies. Here are the following items not initiated by me and I dont recognize them : XXXX XXXX XXXX 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 2020-12-21 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 — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XXXX I mailed Equifax a dispute letter with all IDs included. No reponse? I attempt to get an Equifax annual credit report, impossible. 

I contact Equifax, I am told to fax a letter with all my IDs and explanation. I do exactly that, and I call Equifax, I am told that everything is fine and an Equifax report is being mailed. 

I receive a letter from Equifax saying I need to send IDs again to get my Equifax report? 

My XXXX year old daughter, XXXX XXXX, is reported as primary name on MyEquifax account? 

I again submit electronically a dispute letter XX/XX/2020. Still, nothing is fixed?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: CA

Complaint narrative:
I sent TransUnion 3 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to TransUnion. My next step will be to sue them. These are the inquiries : 1. XXXX XX/XX/XXXX 2. XXXX XX/XX/XXXX 3. XXXX XX/XX/XXXX 4. Informative XX/XX/XXXX 5. XXXX XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XX/XX/XXXX 7. XXXX XX/XX/XXXX 8. XXXX XX/XX/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 2020-12-21 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: CA

Complaint narrative:
I sent Experian 4 letters to investigate inquiries on my credit report. They did not contact me after 30 days and I sent letters after this and still they did not investigate. They need to delete these inquiries as they are ignoring this matter and have failed to reply to investigate this. I am attaching the certified letters sent to Experian. My next step will be to sue them. These are the inquiries : 1. US SM BUS ADMIN ODA XX/XX/2020 2. XXXX XXXX XXXX XXXX. XX/XX/2020 3. US SM BUS ADMIN ODA XX/XX/2020 4. XXXX XXXX XX/XX/2020 5. XXXX XX/XX/2020 6. XXXX/XXXX XXXX I XX/XX/2020 7. XXXX XXXX XX/XX/2020

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 2020-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NJ

Complaint narrative:
To whom this may concern, I originally opened an account with the terms that included an account bonus of $ XXXX an email confirmation is pasted below. After completion of both Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening and Enrolled in E-statements by XXXX within the timeframe no bonus was given. Multiple calls were actioned between XXXX of XXXX lead to multiple escalations as well as complaints that were never actioned- this was in addition to multiple dropped calls as well. The account will be closed on my end due to lack of transparency as well as lack of assistance from their end. 

XXXX, XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX Hi XXXX, Hope youre having a great day today, my name is XXXX and XXXX be your Account Setup Coordinator for this application! 

XXXX Thank you for choosing U.S. Bank, your application was approved and we have opened the following account in your name : U.S. Bank Gold Checking Account # ending in XXXX ( if you didn't catch the full account # from the application, I can provide it after verifying over the phone ) * We also received your completed signature card, so you may now begin using your account ( I've also attached some tips ) * Product Notes : Note regarding the promotion on your application : XXXX - XX/XX/XXXX / Earn {$300.00} for opening a Platinum Checking / Gold Checking / Easy Checking Recurring direct deposits of 2 or more that total {$2000.00} or more within 60 days of account opening Enrolled in E-statements by XXXX It's been my pleasure to assist. As your account coordinator I want to exceed your expectations, feel free to email or call with further questions over the next couple of weeks. We really care about your experience with U.S. Bank : There will be a quick survey you'll receive that's specific towards your experience with any of my calls and my emails ; my goal here striving for success is to receive all 9 's or 10 's If you have any other feedback about this onboarding process or feedback about U.S. Bank I'd love to hear about it via email. 

Have a fantastic day! 

Sincerely, Available XXXX EST M-F / *** I hope that you and yours stay safe during this pandemic, I want to make this process as effortless for you as possible / We are experiencing higher than normal volumes and will return your call or email as soon as possible / My manager info as a secondary means of communication in case Im out of office : XXXX XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX Account Setup Coordinator | Virtual Deposit Operations XXXX option 3 use my direct extension 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 2020-12-21 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: California Business Bureau, Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX, I obtained a credit report in order to file Chapter & Bankruptcy, and discovered for the first time that XXXX XXXX XXXX in XXXX, despite State of California health insurance paying in full for the services rendered, unlawfully filed a collection action attempting to be paid twice-over. XXXX XXXX XXXX sent the account to California Business Bureau, collection agency. 

On XX/XX/XXXX, I filed for Bankruptcy, my attorney included this unlawful debt and asked the U.S. Trustees Office to investigate. The alleged debt was listed as incurred on XX/XX/XXXX ( Acct. No. XXXX ) in the amount of {$36000.00}. The Trustee informed me that I needed to file a complaint with your agency and discharged the debt. 

On XX/XX/XXXX, I received a full discharge of all debts. I contacted both XXXX and the collection agency, as well as a dispute with XXXX. They told me it would be removed on two occasions and they have not. INSTEAD, THEY UPDATED THE CLAIM THAT NOW SHOWS ON MY CREDIT REPORT.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-21 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: NY

Complaint narrative:
There are multiple errors for the accounts listed below. An accounting of the activity for the various accounts in dispute are listed below. These disputes were put in with both the creditor and the credit bureau. No actions were taken on the part of either party to rectify the complaints. According to the Fair Credit Reporting Act, I am requesting a deletion of this account from my credit report because the information requested has not been verified nor has proof of verification been presented. 

ACTIVITY 1. Letter to creditor to correct inaccuracies. Evidence of account submitted. 
Letter Date : XX/XX/2020 Request : Please investigate and fix data on my credit report. 
Decision Made : No response to letter. 

2. Letter to credit bureau to correct inaccuracies. Evidence of account submitted. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and fix or delete from my credit report. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. 

3. Letter to validate and send data used to decline correction of account errors. Also send copy of procedure outline for collecting data. 
Certified Letter Date : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any account details. Experian procedures sent via mail and email. 

4. Letter to produce records of charge off notification. 
Certified Letter Date : XX/XX/2020 Certified Letter Received : XX/XX/2020 Request : Please investigate and delete from my credit report if verification data can not be produced. 
Decision Report : XX/XX/2020 Decision Made : No change in any accounts details. No records sent to consumer. 

Experian 's blatant disregard for following procedure in this matter is shameful. They literally did nothing.

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 2020-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
After BeforeClose XXXX XXXX XXXX Account Name XXXX Account Number Mobile Home Account Type Individual Responsibility XX/XX/XXXX Date Opened Transferred, closed. 
Status Updated XX/XX/XXXX $ XXXX  Monthly Payment {$130000.00} Original Balance {$0.00} Highest Balance 360 Months Terms - Balance Updated - - Recent Payment Am the payment had a 30 day that was only suppose 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 2020-12-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I keep getting Pre-approved Junk mail form Capital-one< I have email and sent letter asking them to STOP I get their junk mail very other day and so does my wife!! 
They were ordered to stop all calls and letters to me or my wife over a Year ago>> The problem was that they illegally transferred money from the account I had with then between XXXX and XXXX to a fake XXXX XXXX  account!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-12-21 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:
Experian has not removed a item from my credit that was removed by XXXX  and per XXXX  is about to be removed : I item is passed the time for reporting to my credit. it was removed, sold and put on as a brand new claim. I paid off my XXXX  account as well. So it was paid off and it also was removed by XXXX, then result, doubling the time on my report. 
so not only was it paid but time already lapsed on it and XXXX removed it themselve, they then sold it and the new company restarted the time XXXX XXXX XXXX XXXX the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX XXXX and managenent was also removed by the other berues as it was found not accurate and was paid long ago XXXX  XXXX  XXXX for XXXX also removed for same reasons, they could not verify the information and it was paid by insurance they also are not reporting my rent of XXXX each month when it is reported to them I was also effected by covid and i tried reporting this but they will not allow me to report anything i used a credit repair agency and thye made things worse so now i cant dispute with experian as they say investigations were already done, but i do not know what the credit repair agency told them how can i report a dispute if they block me XXXX  amazing company only issue is the rent is not reporting the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late payments XXXX  amazing company the XXXX  card i have on file was created without my consent, i received and used no card but it shows late payments. theose were fees they charged me when i never had a card. ialso deserve my money back from this company. i called they said the money removed from my bank account would be credited back and they never have they need to remove the late 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 non-monetary relief