vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-04-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I received a check from my insurance company XXXX XXXX as a refund for my deductible, by law I am required to have my daughter on my auto insurance policy. XXXX XXXX issued me a check for {$1000.00} in my name and my daughters name. I submitted the signed check to Wells Fargo Bank in XXXX Ca XXXX XXXX XXXX XXXX ( XXXX ) XXXX. This check was for deposit into my account. Wells Fargo rejected the deposit, because my daughter is not on my checking account. She and I endorsed the check, so now I wait 3 to 5 business days to receive a " copy '' of that check. Why does it matter if I am making a deposit, endorsed by the both of us, that she is not on my account. I am not withdrawing money I am depositing it. Wells Fargo says she needs to be added to my account, however, with her credit rating they will not add her to my account, they tell me they will. but I have tried to add her before. I am now {$300.00} overdrawn which is why I wanted to deposit the {$1000.00} into the bank. So how much more are they going to charge me while I wait 3 to 5 business days for them to return a copy of the check. Due to a divorce my daughters credit is horrible, she can not open a checking account. She has a full time job and has had her paychecks direct deposited into my bank account for almost a year with nothing said or done about it, after all it is a deposit not a withdrawal, all of a sudden that is not allowed, so how does someone who is working and gets a pay check supposed to be able to cash a check with no account??? I understand about fraud, but the check was endorsed by both parties so why can they reject the check because she is not on the account. So here I am out of money racking up bank fees and not being able to even pay my bills. Wells Fargo is out of hand, charging outrageous fees for everything, and when I get the copy of this check and take it into the bank with my daughter to have them cash or deposit the check they will again reject this check, yet they will not add her to my account so she can deposit checks, I am XXXX years old I  receive a social security check each month, my daughter does my business for me because we are a one vehicle family and she needs the vehicle to work. We live together and I do XXXX for my grandson who is XXXX. I want this mess cleared up, as long as we both endorsed the check it should not matter who gets the deposit, this is just another way to collect fees and run my bank account dry taking all my money for the bank. Please please help me and stop Wells Fargo from taking advantage of low income people. This is ridiculous. A deposit is valid, the endorsement is valid the check is valid for deposit, should not matter who the other signer is on the check.

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 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Clarity Services
State: AL

Complaint narrative:
This XXXX XXXX XXXX is out of control. I made a complaint to XXXX that XXXX XXXX XXXX requested hard inquiries instead of soft inquiries when I applied for a loan with XXXX XXXX. I was instructed by XXXX XXXX XXXX to contact them directly, as they were a part of XXXX. I complied. 

This crazy company twice sent me an unauthorized credit report with all the applications for credit and loans I have received in my lifetime. The second one stated that inquiries had been deleted, but do not give a breakdown of what was deleted. This company is unethical and nuts, to say the least. 

STOP PULLING MY CREDIT APPLICATIONS AND LOANS I HAVE HAD THROUGHOUT MY LIFE. What is the purpose of this? All I requested is an adjustment to my credit report where hard pulls had been done with XXXX XXXX. I  was told that these inquiries should be soft pulls.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I sent a certified letter in the mail at the end of XX/XX/XXXXupdating my one name and my one address onto my credit report, which has not been updated. I also disputed online, but when I try to check the status of my results one of the questions I am getting to verify my identity is asking me about a mortgage loan that was taken out in XX/XX/XXXX of XX/XX/XXXX. I have NEVER EVER applied for a mortage loan so I of course hit none/non applicable, ensuring the rest of my answers to the verification questions are correct, but I am still unable to log in or view my recent dispute results, based off of that question. Im confused because there is not a lot of credit related things listed on my Equifax credit report yet Equifax  is the only bureau I cant access through their website. I call and Im waiting for umpteen and a half hours to try to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: CA

Complaint narrative:
I was a victim of identity theft and provided Experian with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if Experian were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from Experian regarding my report. I then called Experian back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.

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 2018-04-26 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Penn Credit Corporation
State: FL

Complaint narrative:
After a XXXX search, I realized that " Penn Credit Corporation '' is a scam. They are trying to collect " delinquent parking ticket '' balance for {$42.00} that I know I do not have. It has a service date of 2018XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: IL

Complaint narrative:
This problem has been going on for years. I currently am trying to re-enroll in school and I continuously get messages saying that I have loans from XXXX that are in default but when I go to the website the loans say XXXX balance. I have recently looked into my credit and my account says that I made 3 late payments on 2 different student loans. My problem is that I was reports " Current ''XX/XX/XXXX but " 90-119 days late ' XX/XX/XXXX as well as " 120-149 days late '' XXXX andXX/XX/XXXX. Then, my record shows " No info '' XX/XX/XXXX- XX/XX/XXXX, 1 " current '' payment in XX/XX/XXXXand then back to " no info ''. I do not understand how I went from current to 90- 119 days late in a matter of 30 days, and how reporting just stopped. My student loan payments have never been 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 2018-04-26 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: CA

Complaint narrative:
Inaccurate information added without having factual evidence or failing to recieve information.

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 2018-04-26 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: AES/PHEAA
State: CO

Complaint narrative:
I Talked to the department of Education as soon as I noticed this late payment hit my credit report. I was in Forbearance at the time and it should have never showed up as late. Now unfortunately this caused my score to sink! I called Department of Education and they agreed to get it deleted from my credit report. I called to follow up at the beginning of the month and asked for a specific date as to when it would be deleted and they told me they would not delete it! their calls are being recorded. this needs to come off

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: Fidelity National Information Services, Inc. (FNIS)
State: NY

Complaint narrative:
I am a victim of identity theft. My office was broken into and several identity documents were stolen and have been used to open fraudulent accounts and make fraudulent transactions in my name. I filed a police report after the theft and have attached a copy to this complaint. 

I ordered my Certegy report and found the following information that does not belong to me : Outstanding Items : Date : XX/XX/2015 Merchant Location : XXXX XXXX Amount : {$75.00} Check Number : XXXX Date : XX/XX/2015 Merchant Location : XXXX XXXX   Amount : {$5.00} Check Number : XXXX I have never done business with XXXX XXXX   and I have never been associated with either of these checks.

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 2018-04-26 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Riverwalk Financial CORPORATION
State: CA

Complaint narrative:
I was contacted by Riverwalk and was talked into a student loan consolidation program for my federal student loans. I found later out on my own that my loan was already consolidated four years prior and federal student loan consolidation is free. They wanted me to pay them XXXX in fees for consolidation ( this fee was not discussed ). They took my social and debit card information. I put a block on my card before they could charge it. They didnt have my student loan information before they wanted to charge me. I was being set up to pay an outstanding amount for a solution they could not give me and one that could be done for free. 

I later contacted the company telling them I realized my loans have already been consolidated and there was nothing they could do to help me. I asked for the companys address and everything changed in the tone of conversation, I was then threatened to be taken to collections, my credit was also threatened and the language became really aggressive.

Company response to consumer: Untimely response
Consumer complaint received 2018-04-26 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: NC

Complaint narrative:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XXXX of XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today 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 2018-04-26 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: NC

Complaint narrative:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XXXX of XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: NC

Complaint narrative:
The student loan representative promised for there fee of XXXX a month my loan payment would be reduced and no interest for three years would be charged to my account. In addition the consolidation was at 7.5 % which I assumed would start XX/XX/XXXX. At the end of the three years of no interest. My loan was given to XXXX and the representative reported that he was with the student loan company ; NOT ; XXXX XXXX and they indicated they dont use third party companies to get there loans consolidated. 
Soon afterwards, I received a bill from XXXX and XXXX XXXX for XXXX in XX/XX/XXXX. 

I checked to day after making 5 payments to XXXX XXXX XXXX and owe more then I did when I started to pay them. The account is showing and listed as a CREDIT CARD on my credit report and now showing that I am late. 
I never applied for a credit card with this scam company!!! 
The representative stated today ; that a payment in XX/XX/XXXX was not received and they JUST posted that the account is late ; and NOW I owe them {$150.00} in late fees and plus the monthly FEE. 

How is this company still in business with ALL of the negative business practices that they are currently doing. 
Who can I contact for legal advice ; I was in the process of buying a house and my credit score just dropped 30 points today 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 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Followup to CFPB case # XXXX As stated in the attached XX/XX/18 letter from Wells Fargo, XXXX rewards points were to post by XX/XX/18 for redemption. As of XX/XX/18, the points have yet to be posted.

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 2018-04-26 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Closing on a mortgage — 
Company: FEARON FINANCIAL LLC
State: IL

Complaint narrative:
This advertisement does not give rates, APR or what other costs are involved. Also, I am not sure if they will help me because the size of home I want to purchase doesn't meet their specifications? Will they only help me if I have enough money to buy a home worth a certain amount?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Inaccurate information added without having factual evidence or failing to recieve information.

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 2018-04-26 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Inaccurate information added without having factual evidence or failing to recieve information.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
XXXX card by Chase Bank.Signed up for this card as advised by travel bloggers for its 'free night at any XXXX hotel ' award. This free night certificate is issued on the 1 year anniversary of having the card ( for me this would be XX/XX/2018 ). I had planned to use my certificate in XXXX at a hotel requires XXXX miles ( but many hotels require at least XXXX - in fact in almost all major cities in US ). Suddenly, about a week ago ( XX/XX/2018 ) XXXX decided to change this benefit 'midstream '. Capping the award at a XXXX point hotel. 

While I understand they are able to change terms and conditions, it should AFTER the benefits promised at the time of application are received. I have written emails and reached out on social media and have only been given the run around on this ( literally for hours ). Not only is this 'bait and switch ' but reportedly they ARE still going to give some consumers the uncapped free night award ( discrimination ). In addition, having this card prevented me from getting the XXXX card through which I would have had several nights of free hotels. 

I am all for responsible capitalism - but this is unfair and non-transparent behavior, from several corporations who apparently feel too big to fail

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-26 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: NE

Complaint narrative:
TransUnion is reporting a collection that is not mine. The Collection agency is XXXX in XXXX Montana claiming a bill is owed to XXXX XXXX XXXX for {$250.00}. The other two agencies, XXXX and XXXX already removed. XXXX sent me a bill, that shows XXXX XXXX in XXXX is who owes the debt, NOT me, XXXX XXXX in XXXX. XXXX is also spelling my name as XXXX XXXX. 

Please get them to delete this per FCRA as it is inaccurate. 

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 2018-04-26 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: Grant Mercantile Agency
State: CA

Complaint narrative:
I was a victim of identity theft and provided XXXX with everything they asked for and the fraudulant accounts were deleted from my credit file on XX/XX/XXXX. Then i get a letter in the mail on XX/XX/XXXX stated that the accounts were being reinserted due to the police report not being valid or unverifiable. So i contacted the XXXX Police Department and asked if XXXX were to contact them directly could they verify that my report was valid and the lady said yes, no problem but they had not received a call from XXXX   regarding my report. I then called XXXX back 5 minutes later and they kept giving me excuses because they lied about calling the XXXX Police Department. They keep reporting the accounts as being verified. I even called the original creditor about the accounts and they had the wrong birthdate and age.

Company response to consumer: Closed with explanation