vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: WELLS FARGO & COMPANY
State: AE

Complaint narrative:
Telephoned Wells Fargo for a ne Am Ex Propel card ( no annual fee and no Int'l transaction fees ) Upon giving my information to the receptionist, when she heard my address : XXXX  XXXX XXXX  XXXX, XXXX XXXX XXXX, She immediately said, that I was refused because there was no way to verify me as a client. 
Hence, Wells Fargo is discriminating against any and all people with APO 's because they fail to have a method to " qualify " the applicants. 

In pursuing this I wound up making several other phone calls and writing letters. 
One phone call in particular was almost 2 hours ( 1 hr 56 min ) before I hung up and went to bed, The time difference between me and the States is that I am 6 hrs ahead of EST.

Wells Fargo is only able to verify aplicants in the states using a 10 digit US phone number. 
I am not in the states and do not have a 10 digit US number that I can receive messages on.

Additionally, they absolutely insist on all applicants havinng a US STREET ADDRESS, no Post office boxes and NO APO 's.

Again, this is discriminatory.

I XXXX XXXX XXXX XXXX for an American Co. I am an American and have been since my birth. 
I have a credit score of XXXX, and I own many parcels of real estate, I have a 6 figure income and virtually no debt other than a couple of mortgages, There is no reason I should not receive a credit card other than for their discriminatory practices.

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 2020-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: FL

Complaint narrative:
This collection Co seem to be a fake Co. ( Cedars Business Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, Ca XXXX ) the notice say this debit is for a traffic violation in ( XXXX ) I have not been to XXXX and i no know one in XXXX - but this have gotten my info from somewhere and reported to the CB I will not call them nore will I write them or give them any more info then they already have to de-fraud me more or to use my info in any fraudulent way!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: GA

Complaint narrative:
XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX/XXXX  and XXXX XXXX XXXX violated my 609 rights by reporting incorrect information to Equifax regarding my credit file. Equifax further violated my rights by adding this incorrect information to my credit profile for others to see. 

XXXX XXXX, XXXX-XXXX  XXXX, XXXX XXXX XXXX, XXXX-XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX and XXXX XXXX reported to Equifax that I applied for credit in which I never applied for. They have violated my rights to have fair and accurate information on my credit report. 

My personal information on my credit report is in accurate as well. I have requested to have my addresses, phone numbers and names corrected on my report as this is a violation of my consumer protection right.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
TransUnion has responded to my complaint stating that it will take 60 days to investigate my complaint which is unacceptable. According to the Fair Credit Reporting Act, bureaus have 30 days to investigate the dispute and remove any items proven to be inaccurate, dismissed or closed. TransUnion has a duty to investigate according to the guidelines that the Fair Credit Reporting Act has instilled, not their own. It does not take 60 days to investigate something that is clear and factual. I will not except their response unless they can show me in writing their deadlines as it pertains to disputes. Once again, TransUnion has failed to obey the law. If I am forced to take legal action, this alone will work in my favor.

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 2020-04-14 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: GA

Complaint narrative:
Tradeline missing : XXXX XXXX Status : Paid, Closed/Never late. 

Date Opened : XX/XX/XXXX Reported Since : XX/XX/XXXX Date of Status : XX/XX/XXXX Last Reported : Type : Charge Card Terms : NA Monthly Payment : {$0.00} Responsibility : XX/XX/XXXX Comment : Account closed at credit grantor 's request. 

Payment History : NA Status Details : This account is scheduled to continue on record until XX/XX/XXXX. 

Credit Limit/Original Amount : {$300.00} High Balance : NA Recent Balance : NA Recent Payment : NA

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 2020-04-14 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: TX

Complaint narrative:
I have a previous complaint number XXXX, XX/XX/20. I received a letter from Tran Union on XX/XX/20, it was a form letter with their " canned answers '' as to their actions taken. Which did not correct my 3 agency credit report. It was their dispute file # XXXX. 
The balance due shown on my three ( 3 ) credit agency report still shows a installment balance due to XXXX of {$16000.00} and monthly payments of {$570.00}. On the Trans Union report if I just look at their one report ( not the 3 agency report ) it shows the Installment loan XXXX XXXX balance XXXX which is correct. Obviously what they can not understand is it is the information on 3 agency report which does not show the installment balance at XXXX. 
This not rocket science, a XXXX year old could understand the problem. I think someone in authority at Trans Union should call me XXXX or email me XXXX to discuss the problem if they can NOT understand. 
I have copies of all of this off Trans Union website however, I can not get it up loaded to my dispute ... they make this very difficult plus when I tried to call I was ON HOLD again for more than 1 hour with no answer ... so I had to hand up. This is totally ridiculous. Please advise what my next step would be to get TransUnion to Correct my report, Can I sue them? 
Thanks, 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 2020-04-14 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: U.S. BANCORP
State: IL

Complaint narrative:
US BANK HOME MORTGAGE Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. 
XXXX, KY XXXX XXXX ( XXXX ) XXXX XXXX XXXX   Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA ( 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 2020-04-14 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: NY

Complaint narrative:
I have a home Equity line of credit which has been in effect for several years always in good standing. I have very good to excellent credit. On XX/XX/2020, Rushmore loan management sent me a letter stating that upon review of my fico score, they determined that I did not meet their lending criteria. Therefore, they were suspending my draw privileges on my home equity line. Being that my credit and fico score have always been very good, I called Rushmore for an explanation. I spoke with a woman named XXXX in the Customer relations department. After checking my account, she informed me that Rushmore has suspended many Heloc accounts because of Covid-19. When I asked why my letter stated something completely different, I was told that the real reason for the suspension was Covid-19. There was no real basis to suspend my access to this, credit, based on my credit history and the letter that I received was fraudulent and deliberately deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I had previously been an Experian credit monitoring customer but wanted to cancel my account. In the app where payments are made and the account is initiated you cant cancel the account. They confuse consumers by giving the option to downgrade to a lower price account or a free account. People will likely take the free account thinking its equivalent to cancelling, but its not. If you actually want to cancel your account you will have to find the phone number to call, sit through unusually high call volumes,. And answer the same personal questions multiple times to a computer and a person and then sit on hold again. The whole process took a half hour and is clearly designed to be a pain in the XXXX. They make it difficult to cancel to increase their sales and trick you into keeping your data with them. 

If Unfair and Deceptive Practices apply to Experian, this is clearly one. The executives, product managers and every decision maker that thinks this is ethical and approved this business decision should be banned from financial services work. They have no sense of honor or duty for fellow humans. Shameful

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 2020-04-14 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: NJ

Complaint narrative:
To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency TransUnion, XXXX  and XXXX. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.

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 2020-04-14 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: NJ

Complaint narrative:
To Whom it may concern ; Ive been working to have accurate information displayed on my credit report, I have been doing so with the following collections agency XXXX, XXXX  and Experian. In this letter, I will submit proof of numerous violations on many accounts regarding all three consumer reporting agencies, they have mischaracterized accounts, not provided legal verifications with signatures and in some cases have not met the legal burden of proof for authentic investigations, They unwilling to produce evidence of legal verification as the accounts reflect the last time an attempted verification was attempted. In some cases, they have just matched information on accounts without going through the legal verification process. They are unwilling to do proper investigations and continue to display inaccurate information despite my numerous requests to have the legal requirements met which warrants these accounts removed. Below are the sections of the FCRA they refuse to comply with adding numerous subsequent legal violations in addition to the ones they have already violated which instigated the original disputes. It is my right to have accurate information displayed and as of the day of this letter, all three consumer reporting agencies stand in violation. 
1.Void of legal verification Pursuant to FCRA sections, 609 ( a ) ( 1 ) ( A ) ,611 ( a ) ( 1 ) ( A ) 2.Providing a consumer contract with a signature which is a violation of 611 ( a ) ( 1 ) ( A ) 3.Negligent noncompliance which is a violation of 617 Please find the attached letters Ive written and submitted to all three consumer reporting  agencies. I have also provided a detailed list of the violations listed on the respected accounts by the agency. And I will also provide not only the copies of the letters but registered mail receipts to substantiate my inquest. I have for the third time disputed these errors to no avail, I am now requesting intervention by the Consumer Financial Protection Bureau. Please find the attached proof supporting my disputes and inquiry.

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 2020-04-14 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: LEXISNEXIS
State: PR

Complaint narrative:
On XX/XX/XXXX I sent two Certificate Letters to LexisNexis ( XXXX ) and ( XXXX ) in order to validate the accuracy of the accounts which reported by US Bankruptcy Court negative information : US BANKRUPTCY XXXX. # XXXX and Bk # XXXX Its been more than 30 days since received my certificate letter to complete the investigation, and as of today I havent received any answer from them. On XX/XX/XXXX I proceed to send other Certificated Letter : ( XXXX ) indicating that they had violated a Federal Law under the fair debt collection practice act, the fair credit reporting act and the corresponding local state law, by not replying in a timely manner to my initial letters. Once again, I never received a reply. I am filling this complaint because LEXISNEXIS has ignored my request to provide me the documents that their company have on file and was used to verify the accounts I disputed. In two different occasions they havent verified this accounts. Under Section 611 ( 5 ) ( A ) of the FCRA- they are required to '' promptly delete all information which can not be verified. 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 see attach below with copies of the letters sent by USPS. Please, resolve this matter as soon as possible and thanks for your time and consideration. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 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: LA

Complaint narrative:
I investigated incorrect information on my credit file with Equifax. 
Equifax allowed XXXX XXXX and XXXX XXXX to change the date of the last payment that was received. I requested for Equifax to investigate to date of last payment received. I'm still waiting on a repley. I received report in the mail on yesterday where both company change the date of 1.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX. 
date of XXXX delinquency was XX/XX/XXXX. 
2.XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX date of XXXX delinquency was XX/XX/XXXX both company would like to keep this on my file longer than 7 years by changing the dates.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Comerica
State: NC

Complaint narrative:
I am the XXXX XXXX XXXX  XXXX and trying to assist Mr. & Mrs. XXXX in collecting their money from Direct Express. Mr.XXXX  is an XXXX year old veteran and has been deemed incompetent by the VA. His wife XXXX has been named his fiduciary. 
In XX/XX/2011Mr. XXXX began receiving service connection benefits from the VA. He had these funds deposited monthly to a Direct Express Card. Due to his forgetfulness he put the card up and did not tell his wife he was receiving the money. His wife did not realize what was going on until I began to work with them. These benefits have been accruing since XX/XX/2011but XXXX XXXX refuses to give his wife access to the account since she is not on the account. As per their instructions I sent XXXX fiduciary letter, marriage certificate ( wife ), birth certificate ( wife ), NC Drivers License ( wife ), copy of original Direct Express Care and VA payments screens. Direct Express said that was not good enough and hung up..Direct Express requested to speak to Mr. XXXX but he is in a memory facility and deemed incompetent. Direct Express is not willing to help at all!. I even asked how to add his wife to the account and they hung up on me. 
Any assistance you could give would be helpful. Mr. XXXX desperately needs these funds to pay for his XXXX home care. 
The VA is unable to assist because the funds were deposited correctly. 
For additional information you can reach Mrs. XXXX at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Westlake Services, LLC
State: IA

Complaint narrative:
On Sat XX/XX/XXXX I recd a letter in the mail from Westlake Finanical Company, LA, CA for a fraudulent loan that they purchased from XXXX XXXX XXXX in NJ. The monthly payment was stated as {$320.00} for a XXXX XXXX XXXX XXXX class to which I did not purchase, sign or co sign for. They had an incorrect email address listed on the form and bolded underlined section about how this may not match the address states or consumer credit report. I called the company 3 x and spoke to 3 different people ( XXXX XXXX, XXXX, and XXXX XXXX ) at XXXX. They all 3 gave me different information and were not helpful, very suspect, unprofessional and quite honestly seemed more like a debt collection. I could not speak to a manager or legal. I filed a report with the local Police Dept who also called and got no information as well. They will be issuing subpoenas and warrants. There as another name on the loan that I do not know nor never have - XXXX XXXX. I have contacted the credit bureaus to put an alert and freeze on my reports although both of these above names were listed as inquiries. This is a fraudulent use of my credit report in this auto loan process. Please advise next steps. 
Thank you

Company response to consumer: Closed with explanation