vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I already submitted my claim to CFPB regarding this claim, however Wells Fargo refuses the do the proper investigation to my claim, instead Well Fargo easy way out was to changed the facts and the information given. 
Wells Fargo Bank has been giving me the runaround for the last five months. Well Fargo must need to send the information given to the correct department to do the fraud investigation for the check XXXX XXXX forged the signature to cash the check and also the illegal steps he took to get a hold of this check and the money, Wells Fargo Bank should not be allowed to let this criminal XXXX XXXX to legally scam consumers. 

XXXX XXXX foraged the signature to endorsed the cashier check, cashed at Wells Fargo Bank. XXXX has returned the check and has served a subpoena against Wells Fargo Bank for relevant documents. Despite the check being made payable to a corporation, the check is endorsed as an individual and not on behalf of the named corporate entity, by someone with authority as is required under California law. Moreover, given that Ms. XXXX is named as every officer and sole director, she would be the only individual capable of authorizing any endorsement of the cashiers check. Consequently, without any authorization from Ms. XXXX, this is a fraudulent endorsement perpetrated by XXXX, notwithstanding the check wasnt endorsed as required by California law on behalf of the corporate entity. 
The information provided is squarely relevant to this analysis and shows beyond the fraudulent endorsed check, the larger scheme to defraud Ms. XXXX who is likewise trying to defraud XXXXXXXX XXXX. 
** SEE ATTACHMENTS

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 2021-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank XXXX at XXXX ATM Cash Deposit didnt give me credit to my checking. I have talk to the branch Manger they didnt give my any credit at all need to wait 48 days.

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 2021-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Social Finance, Inc.
State: WA

Complaint narrative:
SoFi indulges in false advertising to get people to sign up for personal loans In my case, I was promised a {$10.00} incentive for checking the loan rate. But the company didnt send any incentive after even applying for the loan. The customer support doesnt know how to handle this and gives me the runaround. 

In addition the company promised a {$350.00} promotional bonus on getting a new loan. But when I applied for the loan the company said that the promotion was only for {$300.00} on my application even though the link I applied through clearly indicated that the promotion bonus was {$350.00}. 

These are two examples of how company indulges in false promotions to lure borrowers.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
XXXX XXXX lost a class action lawsuit for messing up peoples fafsa i received money back in a check form due to this and the campus that i attended is mow closed this part of the loan that the class action lawsuit involved shouldnt even be able to be included with my loans period they actually have to take it off 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 non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: IL

Complaint narrative:
The collection agency is Hunter Warfield collecting for XXXX XXXX XXXX XXXX, open XX/XX/XXXX. 
We moved from this complex on XX/XX/XXXX. We got our keys to our new apartment & moved out that day. I had paid my rent in full in XX/XX/XXXX, & shouldn't pay them for XXXX. They claim we owe them partial rent. I believe, the management agency is angry because they wanted us to move out of our apartment to another building in their complex. There was an entire family group living in the five apartments in the building and they wanted our apartment also. Even though we had been living in the building before anyone else moved ... over 8 years. My husband & I decided to leave the complex and not take another apartment because of the racial harassment from tenants & management. We left the keys in the management 's night box. If anyone was staying in the apartment it was not us. 
I asked Hunter Warwick to send us information regarding this matter. I have not received anything from them. However, our credit report collection data is being increased annually.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc

Complaint narrative:
Greetings. 

Yesterday, XX/XX/XXXX I got the email saying " You can no longer use PayPal ( Ref ID XXXX ) ''. First of all, the customer support is not helpful at all, they don't know what they are doing. Now, my take on this complaint : I have been using PayPal since 2012, I run a small hobby that helps me support my family and I accept payments via PayPal. I have never violated any PayPal policies or engaged in any fraudulent activity, I know this for a fact and this is true. My PayPal account has been permanently deactivated and PayPal holds my money XXXX XXXX XXXX USD XXXX for " 180 days before they can release it '' - their statement. I am not able to withdraw, send, or receive payments anymore. I believe this to be a mistake on their part and I am sure if they would check my account they would find a perfectly healthy account run by a good-hearted person. No fraud, no chargebacks, no violations whatsoever. The only chargeback we had in a long time was a mistake from my customer, I have email proof of our conversation where he admits this to be a mistake and apologizes. I will gladly provide proof if such a need arises. 

PayPal claims this account termination is done to prevent fraud, like I mentioned before, anyone with a pair of eyes can see ( after checking my account ) that no such thing can be said about my account EVER. In fact, by holding my money they themself become which they are fighting against - fraud. 

Please help me get my money back. I have earned them with honest work, I worked hard to earn them, PayPal earned a fee off of each of my transactions, now they are holding my money and at this point, it looks like a fraud to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-01-17 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: MD

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: Dovenmuehle Mortgage, Inc.
State: WI

Complaint narrative:
My wife and I were notified through XXXX, that DMI/XXXX XXXX XXXX  XXXX has flagged our account as 180 Days Past Due on XX/XX/2021. 

This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all XXXX and DMI records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers. 

This is unduly devastating to the borrowers financial matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: Westlake Services, LLC
State: FL

Complaint narrative:
westlake finance have another XXXX XXXX  with different social security i have send in email correct one still havent change

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 2021-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: WA

Complaint narrative:
My wife received a phone call stating that her Amazon card was being charged without her knowledge. Amazon was called and there were no such charges. The number they are calling from is 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 2021-01-17 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: BMO BANK NATIONAL ASSOCIATION
State: WI

Complaint narrative:
My wife and I were notified through XXXX, that XXXX/BMO Harris Bank NA has flagged our account as 180 Days Past Due on XX/XX/2021. 

This is in violation of the Forbearance Settlement Agreement ( page 4, line item 15 and past, regarding credit reporting ) currently in place, now current with 0 late payments with every payment made on time, as reported in all BMO and XXXX records, since the start of the agreement on XXXX XXXX, and agreed to and signed by both the lender and the borrowers. 

This is unduly devastating to the borrowers financial matters.

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 2021-01-17 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: TX

Complaint narrative:
XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. I feel like the credit bureaus are taking advantage of me by ignoring my disputes I took time to send them. Section 611 ( a ) states that failure to investigate these items within 30 days gives a reason to immediately remove promptly. I demand these accounts be deleted immediately or I will file litigation due to the stress you cause me. My information was impacted by the XXXX data breach and may have got into the hands of the wrong person. I am begging for help at this point

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 2021-01-17 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: RI

Complaint narrative:
On XXXX I fill for Bankruptcy Chapter XXXX at United States Bankruptcy Court for the District of XXXX XXXX . My Creditors ( the ones appear on my Credit Report stated " ..Debit included in/or discharged through bankruptcy Chapter XXXX.. '' on XX/XX/2020. I do not disagree. Only one Creditor did not proceed same way XXXX XXXX XXXX XXXX XXXX XXXX. 
I came to talk after a few attempts ( only record on other side ) within a men XXXX ( XXXX ) to ask why the Institution does report late payments when that Personal Loan were included on Bankruptcy? His answer were " Loan not paid yet ''. Strange are after that call came to appear on my Credit Report " Charge-off ''. Is that legal? I read articles that Experian post periodic and I remember to read that charge-off come to appear 180 past due, this one only 90 days and on following month came appear charge-off. 
The effective date of confirmation of the Plan by the Federal Bankruptcy Court are XXXX. 

On my Credit Report also show " Accounts ever late 12 ( twelve ). Why that appear when all creditors report on XX/XX/2020 the debit are included on bankruptcy chapter XXXX? They not report nothing on the following 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 explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: MoneyLion Inc.
State: NC

Complaint narrative:
I reported fraud on my account on XX/XX/2021. Ive sunce been locked out of my account by Moneylion fir several weeks. I have 5 paychecks that were direct deposited into my account that I can not access. My car is being repossessed and possible eviction. I just want to pay my bills with my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: DC

Complaint narrative:
I was credit approved for a personal loan # XXXX on XX/XX/2020. Attached is an approval letter ( see Exhibit. 1 ) I have signed the promissory note on XX/XX/2020 and received the following email dated XX/XX/2020 ( see Exhibit. 2 ) stating that the loan funds have been transferred directly into your bank account on XX/XX/2020 ; however, this later turned out to be incorrect as per a letter dated XX/XX/2020 ( in the attached Exhibit.2 ). Per that letter, HSBC has decided to deny the loan based on " documents provided are not acceptable to verify your income ''. Up to this date, I have requested a copy of the executed promissory note and executed loan contract related to this loan for my own personal records ; however, HSBC denies providing me with such copies.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem getting a card or closing an account — Trouble closing card
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
This company paypal emailed me that my card is expiring on XX/XX/XXXX. They sent this email to me on XX/XX/XXXX told me it should be there in 7 to 10 days. Never received a card right till this day. And I also had to remove all the funds off my card I felt kind of funny after it never came in the mail. So i asked them to close this account up XX/XX/XXXX I have as them 2 or 3 times to closed this account up an the only lie they tell me there working on it in and message and as i check everyday this account is still open in my name no funds in the account and i have no card from them. And they tell you to call this number if you want to close your account no one answer the phone records hangs up on you as if your call is not important. And you no if my card expired on the XX/XX/XXXX why would you lied and say you mailed it on XX/XX/XXXX and you got on here you mailed it out XX/XX/XXXX and still not received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
I call Experian about wrong information on my credit report about an address that I do not have any connection or ever had applied or living. The address are related to XXXX XXXX, NY ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , NY XXXX Experian share the information that its related to a Credit Institution? I never had did applied for any to related living in New or doing business in connection with New York. 


Experian also report that my present address its connected to an " Membership Organization, XXXX XXXX XXXX, XXXX RI XXXX. I really do not have idea what Organization is this, nd, I never had report or share concern this. Experian does not clear this after had contact on phone.

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 2021-01-17 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: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
On XXXX, I contacted the credit information furnisher Comenity Capital/XXXX via certified return receipt letter, disputing the information on my credit report in all three bureaus. The credit company received my dispute letter on XXXX. I received a response letter stating that the account was sold to another company and verified as accurate but failed to provide a verification of my signature to validate that this account belongs to me. After the expiration of 30 days since the date of receipt of my letter, on or after XXXX, I pulled my credit report and discovered that credit furnisher violated section 623 of FCRA by failing to report to credit bureaus as being disputed. 

On XXXX, I mailed a second letter to Comenity Capital/XXXX  requesting to remove my account from the credit report agencies due to their violation of section 623 of FCRA, making a good will attempt to resolve this issue amicably. The creditor received my second letter on XXXX and prior to expiration of 30 days, replied that the account was sold and verified as belonging to myself without providing any proof of my signature that makes this account my liability. To this date, the account is still appearing on my credit report and unfairly causing me financial injury and damages my reputation. 

I keep the paper trail of all written correspondence on file and can provide it per your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 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: TX

Complaint narrative:
My personal information is not match. Make sure to right my ssn and full name.

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 2021-01-17 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I submitted a dispute to Equifax well over 30 days ago. The dispute was regarding a collection account with XXXX  for the amount of {$1400.00} in addition to the following collections : XXXX XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX I still have not received an update nor had the fraudulent account and hard inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: Bread Financial Holdings, Inc.
State: PA

Complaint narrative:
I had open up a XXXX XXXX account in XXXX of XXXX and was approved for the account. I also applied for a XXXX XXXX account in XXXX of XXXX and was approved for that card also. And on XX/XX/XXXX I applied for a XXXX Reward Visa card and was approved for that also. All of these cards comes from Comenity Bank. During the month between opening up XXXX XXXX and made a purchase for a men 's ring and never used the XXXX card and used the XXXX Rewards card, I want to the XXXX XXXX Jewelers to exchange my ring to found out that my account was closed the day before. I still returned the ring to XXXX XXXX. But it still showed up on my credit report as a debt. After calling about what happened it comes to find out the all my accounts with Comenity Bank was closed as they said something came up on my credit report. This was a total embarrassing to me and my family while in the store exchanging my ring and was told to give the ring back or it would look like I stole the merchandise from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation