vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: NE

Complaint narrative:
I am sending this letter to inform you that on XX/XX/XXXX at approximately XXXX I called XXXX ( XXXX ) XXXX to speak to the fraud claims department regarding my accounts. I was lead to believe this was to whom I was corresponding to for the entire duration of which began at XXXX, and ended at XXXX XXXX. During this time I spoke to two representatives, one male & one female, to which I fully disclosed all information requested, and in great detail. At least I did so as much as one can detail two transactions in a 178 minute time frame. I was not only told, but " assured '', " guaranteed '', " promised '', to list a few of the words used, that this claim # XXXX & # XXXX would be fully resolved upon calling the next morning. Infact, its documents. Evidenced by the following representative 's narrative. On XX/XX/XXXX at approximately XXXX I called+XXXX  ( XXXX ) XXXX pursuant to the instructions given to me. Upon calling twice more, I was given different information, with out any explanation that would vacate or contradicting the information given to myself the previous day from the same department. Infact, my questions regarding account activity, obtaining fully disclosed reports, ways in which my information has and is being used, and the reason for requiring the information asked, are still unanswered. This being despite my efforts. I have much enjoyed being a Wells Fargo customer since XXXX, having utilized Wells Fargo educational services. In regards to my most re cent experience, my privacy & involvement in how my private information is used is very important to me as well as how I feel I am being treated from the entity I have chosen to do business with. As such, I do not appreciate this deceptive manner of conducting business nor do I accept being manipulated in any fashion. This problem specifically concern the below departments : Fraud Claims Debit Claims Online Claims.

In addition my ledger and Statement is not accurately stating information. After multiple, multiple attempts to explain this, even with hard copies as proof, I am treated a 3rd class citizen.

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 2022-03-08 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I was on the PenFed credit Union website just browsing for auto refinance prices.I found an offer clicked continue to view terms and fees just to get an estimate and my credit was ran and a XXXX point inquiry on my credit 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 explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: GUARANTEED RATE INC.
State: NJ

Complaint narrative:
I originally contacted Guaranteed Rate Affinity ( GRA/Lender ) back in XX/XX/XXXX to be taken out of COVID-related forbearance, and to be considered for a retention workout ( deferment and/or loan modification ) of my unpaid balance. 

The company informed me that I needed to make on-time monthly payments starting XX/XX/XXXX as they " worked toward a retention workout solution. '' I have made on-time payments every month from XX/XX/XXXX through XX/XX/XXXX ( 7 payments as of today, with the 8th payment scheduled to arrive by XX/XX/XXXX ), but I have not received any resolution. 

During this time, the lender has denied my request for a deferment of the unpaid balance. The lender did not provide any documentation or explanation regarding their deferment denial decision. I requested to be considered for a loan modification. The lender denied my request for a loan modification. The lender did not provide any documentation or explanation regarding their loan modification denial decision. 

According to my records, I have reached out to the lender on the following dates since XX/XX/XXXX : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX During these calls and emails to the lender, although I requested to speak with the Specialist assigned to my account, I have never spoken to the Specialist assigned to my account. However, I have spoken to customer services representatives ( CSRs ). Each time I have spoken with a CSR I have requested to following : - Information supporting their deferral denial and loan modification denial decisions.

- Escalated service support ( a callback and/or email response ) from a manager for the specialist working on my loan account.

- Information to submit an appeal to their deferment and loan modification decision.

I have not received any information regarding my requests.

I am without any resolution, and the lender continues to vaguely respond by stating : - " Management is working on getting a resolution. '' - " Please continue to make on-time payments until we receive the resolution. '' - " The specialist working on your account is not available at this time. '' I am in " limbo '' without any next steps information, and I am unable to refinance my loan with another lender due to this. The lender is negligent, untimely, and unable to service its paying customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX switched from XXXX to XXXX and chose Citibank as the provider. Citibank canceled my card when I closed my XXXX account. I had a balance and continued to make monthly payments through autopay. Citibank deducted the amount from my bank account automatically. I tried to login into my Citi account online. After a lot of hassle trying to login, eventually I was informed that they closed my online access because my card was canceled. I was unable to access my account online due to their " policy '' choices. Consequently, I was unable to see my balance and the current interest rate. I was also not allowed to set my statement preference to paper billing. Thus I was unable to view my account online and they wouldn't even send me a statement monthly. I was told I could request a statement to be mailed to me, but they will not send them automatically each month. 
In order to request a statement I have to call in and jump through their phone-robot hoops, then wait on hold for a bank representative to positively identify me and then take my request for a paper statement. This is a substantial WASTE of time just to receive information that should be readily available to all customers, all so Citibank can keep their operating costs far below the bare minimum necessary for adequate customer service. 
In XXXX I called Citibank and authorized them to withdraw funds from my checking account to payoff my account in full. They quoted me the payoff balance and I agreed. They withdrew the funds and closed my account. I asked for confirmation that my account is closed and they sent me an email. The email states that my account balance is zero and the account is closed. In XXXX I received an email that my balance is $ XXXX [ between {$10.00} and {$20.00} ]. I clicked on the link in the email to contact them. The link led to a page that never populates, only for the word " loading ... '' appears. 
How is it OK for one of the biggest banks in the world to operate with either severe incompetence or utter disregard for its customers? 

Attached screenshot was taken several minutes after clicking the link. It is the same result after trying multiple times.

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 2022-03-08 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: VA

Complaint narrative:
XX/XX/XXXX I called TransUnion to report six unauthorized fraudulent hard inquiries accounts that was on my TransUnion credit report after doing so the customer service representative, told me " sorry, but i can't help you out today with your problem '' .The list below is the names and dates and address and contact information of all six fraudulent hard inquiries accounts that shouldn't be on my TransUnion credit report. Inquiry : XXXX XXXX, XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, DE XXXX XXXX XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX XXXX XXXX, GA XXXX ( XXXX ) XXXX Inquiry : XXXX. XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX, VA XXXX ( XXXX ) XXXX I would like to update my complaint with my FTC Identity theft report. Because my personal information was leaked in the XXXX data breach.

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 2022-03-08 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: NC

Complaint narrative:
I HAVE NOTICED I HAVE MANY INSTANCES OF MISINFORMATION REPORTED ABOUT ME, EITHER THE MISINFORMATION STEMS FROM INACCURATE REPORTING, REPORTING OF UNVERIFIABLE INFORMATION, REPORTING OF INVALID INFORMATION, FRAUDULENT REPORTING OF INFORMATION, OR REPORTING THE INFORMATION I BELIEVE IS IDENTITY THEFT. I HAVE NO KNOWLEDGE OF HOW THE MISINFORMATION STEMMING FROM THE ABOVE CAME ABOUT. I HAVE NOT AUTHORIZED ANYONE TO MISUSE OF MY PERSONAL OR FINANCIAL INFORMATION. PLEASE PHYSICALLY VERIFY ALL ACCOUNTS, DATES, NOTATIONS, BALANCES, CALCULATIONS, ACCOUNTING RECORD, WHETHER RECORDED OR NOT TO INCLUDE METRO2 XXXX XXXX STATEMENT, 5 PART PERSONAL IDENTIFIERS AND ALPHA NUMERIC AND ALPHA NUMERIC SOURCE CODES AND DELETE/BLOCK PERMANENTLY THE REPORTING OF ANY.

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 2022-03-08 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: LA

Complaint narrative:
I am not sure what I need to do about the school XXXX XXXX of XXXX being closed down for stealing money or money laundering. They never told me a loan was being taken out in my name much less 4 student loans. I dont understand how they got a loan in my name with me having no credit at all. I have taken out one loan in my whole life it was for {$300.00} with XXXX XXXX  and thats it. They had me believing that I was receiving a grant and would not have to pay it back because I was a XXXX XXXX  and was not employed at the time. This has been going on now for almost 3 years I have been trying to get this off my back so I can go back and finish college and receive my XXXX XXXX in XXXX XXXX. I really need some financial support here when I call I can never get anyone who is willing to help me get through this and just get it out the way so I can move forward with my life and go back to college basically just a fresh start. I know they have all kinds of financial support due to Covid 19. Am I eligible for any of those options. Please get back to me I so definitely will be waiting for a response. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
Company closed my account without any notification, they said because I dont use the credit card but this affect me because I was going through mortgage process. I tried to call the company spoke with XXXX from customer service and they just closed the account they did not care. They closed on XX/XX/21

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: WV

Complaint narrative:
I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX XXXX XX/XX/XXXX 7. US SM BUS ADMIN XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. US SM BUS ADMIN. XX/XX/XXXX 10. US SM BUS ADMIN. XX/XX/XXXX 11. XXXX XXXX XX/XX/XXXX 12. XXXX XXXXXXXX XXXX. XX/XX/XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: WV

Complaint narrative:
I DIDNT APPLY NOR GIVE ANYONE ELSE THE CONSENT TO APPLY WITH ANY OF THE COMPANIES LISTED ALL ARE DONE FRAUDULENTLY. 

1. XXXX XXXX XXXX XX/XX/XXXX 2. XXXXXXXX XXXX  XX/XX/XXXX 3. XXXX XXXX XX/XX/XXXX 4. XXXX XXXX XX/XX/XXXX 5. XXXX XXXX XX/XX/XXXX 6. XXXX XXXX XXXX  XXXX XX/XX/XXXX 7. US SM BUS ADMIN XX/XX/XXXX 8. XXXX / XXXX XXXX. XX/XX/XXXX 9. US SM BUS ADMIN. XX/XX/XXXX 10. US SM BUS ADMIN. XX/XX/XXXX 11. XXXXXXXX XXXX XX/XX/XXXX 12. XXXX XXXXXXXX XXXX. XX/XX/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 non-monetary relief
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On XX/XX/XXXX I received a message that {$180.00} was being deducted from my account. I immediately contacted Wells Fargo and XXXX stating that these transaction was fraud and my account was being used without my permission. I submitted a dispute with Wells Fargo immediately to verify that this is fraud. I contacted XXXX in California to immediately stop the transaction before the person left the store with the product. When I contacted Wells Fargo on XX/XX/XXXX, I spoke with an agent and she stated ( please pull the recording ) THAT WELLS FARGO MESSED UP AND THERE IS NOTHING WE CAN DO ABOUT IT! You WILL HAVE TO GO TO SMALL CLAIMS COURT BECAUSE IT CLOSED ON OUR END. 
please pull recording with the dispute/fraud dept. 

ALSO speaking with the XXXX agent on duty in California she stated that the customer was not required to give/provide id- now that is suspicious?

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 2022-03-08 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: NY

Complaint narrative:
I have contacted the credit bureau several times and have sent in an FTC ID Theft Affidavit more than 3 times including next-day mail so I could have a tracking number to verify receipt. Yet, every time I call to inquire about the fraudulent information being removed, I am told that they haven't received the documents. I even faxed it in and received a confirmed successful fax transmission. I find it very hard to believe through the several different attempts that my documents have not been received. I believe the reps are not giving the attention the matter needs to find out the problem. And in the interim, my initial issue which is the fraudulent items on my account is not being addressed. By attaching the documents I sent in this complaint, I know it will be forwarded to the credit bureau and they can no longer deny receiving them.

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 2022-03-08 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
We try to submit a modification packet every month but the bank continues to decline by asking for a 6 months profit an loss statement which we provide every time. It seems like they simply don't want to modify the loan. All of the requested conditions by the bank were met by us and we update the packet every month, and all they do is look for reasons to decline.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I got a text message that someone was taking money from my XXXX account. I ignored it. Then I got a call and on the caller ID it said it was Wells Fargo so I answered. They pretended to be from Wells Fargo fraud department. That they wanted to take {$3500.00} out of my account and in order to stop it we needed to reverse the deposit back into my account. They tricked me and induced me into supposedly sending money to myself to reverse the action when in reality it went into their account. The next day I filled a case at Wells Fargo and in 10 days the return my money but it was temporary while they finished the invitations. Yesterday I got a letter telling me the investigation was over and they did not approve the fraud and they are taking my money back. I called and they opened up another case but did tell me theres nothing they can do. I told them bayou all and Regulation E, thats the only reason they started a new case but no promises that they would not take my money away. Apparently I researched that theres been thousands of cases similar or the same as mine and thats where I found your information, the federal law that protects us and Regulation E. The old case number denied is XXXX, the new case number that was started yesterday is XXXX. Id appreciate any help and if you need any other information please contact me. 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 monetary relief
Consumer complaint received 2022-03-08 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: Atlanticus Services Corporation
State: GA

Complaint narrative:
XXXXFORTIVA is showing the following inaccuracies Account Status : Derogatory for all 3 bureaus Account shows the high balance spent is {$300.00} of a {$3000.00} credit spending where I was never late. 
Last Reported dates are not consistent XXXX - XX/XX/XXXX, XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX Comments needs to be removes on all credit reporting agency XXXX is reporting- this account was part of a XXXX  XXXX ; wage earner plan account - never been apart of any bankruptcy. 

XXXX is reporting -This account was never purchase by another lender There was never an Unpaid balance reported as a loss by credit grantor. 
This debt was never included in any in or discharged through Bankruptcy XXXX XXXX. 

XXXX is reporting- Account never involved in XXXX XXXXXXXX debt adj. 
Account never was transferred or sold Never Included in XXXX  XXXX Dates with last activity is all different for all three credit bureaus. 
Date Last Active : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Date of Last Payment : XX/XX/XXXX - XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 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: MD

Complaint narrative:
1. At the time involving the relevant matters, a Fraud Alert had been placed on all of my credit reports.

2. This has been an ongoing criminal matter since about XX/XX/XXXX in which the investigative information was shared with the Fraud Department and a criminal complaint was filed.

3. Although the credit report has been locked, the credit reporting agency has continually allowed others to access my credit history report, which has resulted in my information appearing on the Dark web.

4. Moreover, when conducting business I would never permit a company to run my credit history multiple times. 

The following inquiries are UNAUTHORIZED : XX/XX/XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX mail XXXX XXXXXXXX, GA XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX, MI XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, MI XXXX Additional : XX/XX/XXXX Fraud Alert ( Victim of True-Name Fraud ) Alert placed XX/XX/XXXX Fraud Alert ( enforcement requested-violations occurring )

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 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: LendingPoint Holdings LLC
State: VA

Complaint narrative:
I applied for a credit repair loan instead of getting loan they went into my checking and took money

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
As of XX/XX/XXXX, my student loans are forgiven and paid in full. My tradelines are still reporting that I currently owe XXXX which they have been forgiven and paid in full. Attached are the documents proving that these loans are paid in full.

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