vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2018-01-19 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: TX

Complaint narrative:
loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXXthat there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia 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 2018-01-19 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: TX

Complaint narrative:
loan was opened by my now XXXX wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XX/XX/XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 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: TX

Complaint narrative:
loan was opened by my now deceased wife on or about XX/XX/XXXX. At the time my wife and I were legally separated prior to this date XX/XX/XXXX. We did not live at the same address at the time the loan was fraudulently taken under my name. I did n't find out until XXXX that there was a charge off on the account. I thought I was doing the right thing by paying off the loan. After many telephone conversations with the company 's manager she stated the loan would be removed from my credit report. it has taken this long to report to you because she told me it would be 45 days at least until it was removed. She closed the account but did not remove it as promised the late payments were not caused by me but my ex wife refused to pay. Made several attempts to correct the issue but to no avail.The company is XXXX XXXX located at XXXX XXXX XXXX in XXXX Georgia 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 2018-01-19 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: SYNCHRONY FINANCIAL
State: MS

Complaint narrative:
After reviewing my credit report I noticed an inquiry on there being reported by XXXX company in which I have disputed them and put a fraud alert on my account as well with the credit bureau & is still reporting these not proven compliant inquiry deficient of true permissible purpose that REQUIRES immediate and permanent deletion, on my credit report. My complaint is towards this unauthorized and or possibly fraudulent, certainly unproven to be compliant with mandated proof of permissible purpose allegations of credit inquiries by XXXX on my XXXX credit report. Regarding the following inquiries < XXXX XXXX XXXX from XXXX XXXX 2016 > I have disputed the unauthorized inquiry for several months with no help from the company or XXXX. XXXX never responded to my certified letters. I have repeatedly asked for any type of detailed documentation of an original signed contract or proof of signature on order and still have not received any from this company. I did not apply for credit online or in the store with this company. I have had no response from certified letters from this Company. This is UNAUTHORIZED and very FRAUDULANT. I am demanding this unauthorized inquiry be deleted from my credit file immediately!

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 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
Wells Fargo is still doing deceptive banking in 2018 On XX/XX/XXXX 2018 I applied for a Wells Fargo credit card. I was approved and 5 days later ( before ) I even activated the card they WITHOUT AUTHORIZATION did a balance transfer to that card and charged me a fee of {$180.00}. I never authorized this I only applied for a new credit card at their bank. Within the cc application they asked two questions which had to be answered to move the application forward : What is your interest in applying for a Wells Fargo Card : I said, I might be interested in a balance transfer What account would you do the balance transfer for : I tried to leave it blank but the application would not go through. I tried to use a catch all phrase like a " a XXXX XXXX account ''. Again the application would not go forward. You had to give Wells Fargo an Account number for the application. Three days later they did a banking transaction to the account number forced in my application without my permission. Then they charged me a fee of {$180.00} dollars to do it. Wells Fargo is still doing their deceptive banking tactics!!!!!!!!!!!

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 2018-01-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
I believe they purchase a credit card debt Portfolio Recovery have been harassing me with phone called, since 2013 to date I even change my number they obtain my new number illegally and continue to harassed me after I repeatedly asked to stop put me on a do not call list, thet continue to from endless different number I usually put them on my block list they just continue from a new number all time off the day and night. PORTFOLIO RECOVERY NEED TO STOP HARASSING ME. PLEASE. THIS WAS THE LAST NUMBER THEY CALLED ME FROM XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: WV

Complaint narrative:
In XXXX 2017 my wife and I signed a contract with XXXX XXXX XXXX  XXXX to remodel our custom oak kitchen. The work was to include refacing existing cabinets and installing new doors and drawers, countertops and backsplash. We charged {$20000.00} thru XXXX XXXX card. The contractor has still not completed our work. Also the work that has been completed is unsatisfactory. We made several attempts to solve this matter with XXXX and have been ignored and left waiting for people to show up that never did. We have paid the {$20000.00} in full ( because interest free term is up next month ). We filed a dispute 2 times with XXXX XXXX/CitiBank and have been denied both times. We even asked them to send inspector to validate our claim. They chose to believe the contractor 's word. We have found out multiple people have filed the same dispute and were denied as well for the same reasons. Please take the time to review our case. Both XXXX XXXX and XXXX XXXX has our money and we have an unsatisfactory and unfinished kitchen. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TN 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 2018-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
onXX/XX/XXXXXX/XX/XXXX I bought a XXXX XXXX round-trip airline tickets for myself and XXXX kids totaling {$7300.00} through a traveling agent, XXXX XXXX XXXX on line to XXXX XXXX. 3 days later I noticed the same tickets were reduced by a {$1000.00}. I cancelled the purchase and bought the lesser priced tickets on XX/XX/XXXX ( which I used to travel to XXXX the following year XXXX ) ; Since 3 days have elapsed from the original date of purchase according to their policy, I was denied a refund. However the tickets were valid till the following year (XX/XX/XXXX ) which I used. This amount was charged on my Bank Of America credit card by XXXX XXXX on XX/XX/XXXX. Surprisingly the amount was not charged directly by XXXX ( agent ) which I disputed with the Bank and it was clarified. To my dismay I noticed on the Bank statement 2weeks after my return from vacation on XX/XX/XXXX that the same amount of {$7300.00} has been charged on the card by XXXX. The agent alleged another purchase of 4 tickets to XXXX with the same XXXX XXXX vessel for a departure date listed XX/XX/XXXX and return XX/XX/XXXX. It would be preposterous to go on line to purchase another set of 4 tickets to leave the country with the children in the middle of the school session in Texas when we have just returned. After exhausting my option with the agent 's customer service, I contacted BOA to dispute the charge. I was astonished to know that XXXX  provided the Bank with a forged itinerary that bears the same ticket numbers on the previous cancelled tickets which XXXX XXXX charged. I also observed that the forged itinerary sent to BOA as their prove has no booking reference number or airline record locator which is specific to every ticket purchased which can be trace with the airline. The Bank refused to do a thorough investigation on the dispute despite all the necessary information sent to them and closed the investigation. Furthermore, my XXXX trip account on line shows that the disputed transaction was a " chargeback '' not an actual purchase which I have a documentation of it. I am disappointed that Bank Of America has failed to protect me the consumer, failed to call by phone to verify multiple charges on the card by the agent, has no fraud protection and allowed the XXXX to get away with fraud at my expense. XXXX has intentionally misled Bank Of America in its attempt to retain monies illegally and unethically from me.

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 2018-01-19 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I previously paid off this collection for an old rental payment of {$1200.00}. Once I spoke with the collections agency and it was paid, I requested the collections to remove delinquency from my credit report and the representative told me that they could not remove it. I confirmed that although the collection was paid in full that it could not be removed and the representative told me they are not able to remove the delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
I initiated a wire transfer from my account ( other bank ) to go to XXXX XXXX. The wire was sent on XX/XX/XXXX/18 to Wells Fargo to credit my XXXX XXXX for {$1600.00}. The wire never reached my account. My bank has sent service request for Wells Fargo to verify they received the funds, but no response. I have asked my bank to recall the wire and again no response from Wells Fargo. I tried calling XXXX myself, all I get from customer service, they ca n't get a hold of there own wire transfer department. What is wrong with this company?

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 2018-01-19 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: FIRST CITIZENS BANCSHARES, INC.
State: NC

Complaint narrative:
First Citizen 's Bank in XXXX, NC. We opened a new checking account with this bank in XX/XX/XXXX. The bank was very inconsistent with its check cashing policies and this caused many inconsistencies with funds available for purchases. I called the bank in XX/XX/XXXX to ask them questions regarding the posting of funds available and the balance amount, check deposits. I told the representative with all the confusion and inconsistency and change in balance and fund availability that I wanted the bank to stop paying checks and authorizing purchases when the funds are not available. The representative told me she would change the account to a no overdraft coverage status. She told me no charges would come through unless the funds were available to pay for them. 

They lied. They continued charging over draft fees. I called again and asked to place the account on no over draft,, again they told they would. I told them I had called in XX/XX/XXXX with the same request. The representative told me they could pull up the phone conversation. They said they would research and verify the request, ( now there were two on file ). They told me they could not find them. 

We have hundreds of dollars in over draft fees. The bank ignored my requests to stop paying for items without the coverage in the account, moreover the balance showed many times the funds were available and still we would get over draft fees. 

We have never had an experience like this with a banking institution. I know they have those recorded conversations with my requests to stop over draft payments. And they intentionally ignored my requests in order to generate fees from our account.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
I have filed five ( 5 ) comlaints against Wells Fargo Home Mortgage and each time they send more and more unrelated or the same documents. The last XXXX responses were 58 and 83 pages consecutively, cut and pasted and just a mess. None of which provided an answer to my complaint. 

No one at the CFPB read or reviewed the answers. It is easier to say they provided a response. XXXX has not provided a response to the complaint, they just responded, there is a difference. And yet XXXX laughs in my face and the CFPB because they think they are getting away with this. Over my XXXX body! 

XXXX continually goes to the Federal Court with their consent judgements and offers to pay billions of dollars but have never paid a dime! I challenge you CFPB to check it out, I did. 

I know the truth and so does XXXX. Soon the whole world will know. 

" Why am I not eligible for the settlements ''? 

I provided all documents for every excuse they have given. " Why am I not eligible for the settlements ''? 

Having run out of excuses, now XXXX just say I was not eleigble. " Why am I not eligible for the settlements ''? 


The one issue and question continually asked and never to date answered " Why does '' Why am I not eligible for the settlements ''? 
XXXX say that I was not eligible for the settlements ''? Having submitted to the CFPB documents refruting XXXX : " Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''? 

" Why am I not eligible for the settlements ''?

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 2018-01-19 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
This is proof positive that Wells Fargo and other committed outright fraud. I have attached supporting documents and case law that supports what they did was outright fraud. Please view the assignment dated XX/XX/XXXX. You can see that Wells Fargo created this assignment for XXXX XXXX. This is not possible because XXXX XXXX XXXX went out of business back in XX/XX/XXXX. If you look at the case law, which is attached you will see that it is not possible. The alleged Assignment of Mortgage which purported to transfer interest in the mortgage to XXXX XXXX as assignee, was invalid because XXXX XXXX as nominee for XXXX XXXX XXXX had no authority to assign the ownership interest of said mortgage, because XXXX XXXX was not the owner of the subject mortgage and was only a nominee for XXXX XXXX XXXX, which was a non existent Corporation. Said purported assignment was without authority and therefore invalid. XXXX XXXX had no ownership interest in the mortgage and was merely named as a nominee for the non-existent corporate mortgagee. Based on the foregoing, Wells Fargo and XXXX XXXX had no standing to bring any actions. Neither had no legal right to attempt to claim ownership of the subject Note and Mortgage, or any right as servicer, for some other unknown entity, and is without any legal basis to attempt to foreclose the subject mortgage, or to collect on the Mortgage Note, because XXXX XXXX XXXX did not exists after XX/XX/XXXX. The collection of mortgage payments by the Plaintiff and its predecessors in interest, was therefore illegal and they were without any legal right to receive and use or disburse the funds therefrom on behalf of any owner of the Note and Mortgage, or any other party. ( They attempted to foreclose on 3 separate occasions ) Another fraudulent assignment which is dated XX/XX/XXXX is attached. You can see that Wells Fargo created this assignment, but indicated that the assignor and assignee was both XXXX XXXX. How can you assign an assignment to yourself. There is also the issue of material fact as to the assignment dated XX/XX/XXXX, which was recorded in XX/XX/XXXX, well after they initiated a foreclosure. This is well documented fraud and the CFPB needs to take action on this immediately.

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 2018-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
Credit acceptance is saying I owe them {$6300.00} for a vehicle in XX/XX/XXXX that was turned in the the car lot it was purchased from XX/XX/XXXX we finance auto sales. Two week later we finance auto sales closed down and the vehicles that were there vanished. No one knows where the company took the vehicles. I wish I knew so I could sue them for having to owe for something they have

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 2018-01-19 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: NE

Complaint narrative:
I have never believed that I opened these three accounts and have requested documentation to validate debt from the following 3 creditors : XXXX XXXX XXXX XXXX XXXX XXXX 's XXXX XXXX The reason I requested validation of the debt is because I do not believe I authorized an account with the creditors. It has been nearly 6 months since my first attempt to obtain validation of the debt and not one of these creditors has returned any such information, however ; they continue to report the information on my credit reports. 

Since I am unfamiliar with the accounts and there is not any proof of my authorizing their opening or any proof of the details of the debt, I have concluded this account was opened and used by someone other than myself. I have filed an Identity Theft Report with the FTC and have included a copy of my driver 's license for proof of identity.

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