vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
XX/XX/XXXX I opened a Citibank checking account. I initiated this account over the phone and transferred money from my other bank accounts. I wanted to receive the cash bonus promotion they were running. 

XX/XX/XXXX After having the account open and using it for a couple months, I received a letter dated XX/XX/XXXX that stated after a recent review, it has been determined that we can no longer service your accountit will be closed within sixty days from the date of this letter. 

I had {$62000.00} in the account at the time of closing. 

I called on the phone and was told is was closed due to fraud. I was told I would receive a check in 30-60 days. They couldn't provide any more information. 

XX/XX/XXXX I went into a local branch and they called for me. They did not get more info on why it was closed but asked someone to expedite a check for the money that was not under investigation. 

XX/XX/XXXX I received a check in the mail for {$57000.00} with no letter or explanation. There is still {$4800.00} that they are holding. 

XX/XX/XXXX, XX/XX/XXXX I reached out again and was told that it was still under investigation and to wait for a letter. 

XX/XX/XXXX I still had not received a letter. Went to local branch and the XXXX called the back office. He asked about what happened to the {$4800.00} that is missing. At first the person said {$2800.00} was put in the Citi sub-ledger. When we told them how much was actually missing, they changed the number to match the {$4800.00} amount. 

We were told there were fraud abuse credits. However, I can account for each transaction on my account and there is no fraud. I was told again to wait for a letter. 

XX/XX/XXXX I received a letter that said we do not have enough information to complete your research. 

XX/XX/XXXX I went into local branch again. The called the back office again and I was told that the {$57000.00} was all that I was due. The other amount was put in the general ledger. They could not tell me why.

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 2023-01-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: IN

Complaint narrative:
I sold the home in XXXX but struggled with Wells Fargo for XXXX years. I was fortunate to find a buyer before Wells Fargo foreclosed.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I sent a letter on XX/XX/22 to Experian, XXXX, and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXX XXXXXXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Reference # : 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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
I fell behind for XXXX payments. I call Wells Fargo several times to see if I could pay half of my mortgage payment. I was told that if I didnt pay the full monthly payment there was nothing they can do. I had to put the house up for sale and finally got a buyer. I had to pay their attorney fees as well as mine. It came out of the final payment to the mortgage company. I had to sell the house for {$70000.00} dollars less then what it was worth. They would not work with me at all. They threaten me with foreclosure.

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 2023-01-20 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I Put in a Dispute in with Experian, Report Number XXXX XX/XX/2023, Challenging the validity of Multiple accounts on my Estate 's Credit file. I made it clear that I believe no lawful contracts exist on any of these accounts and Considering I, XXXX XXXX XXXX, am the Executor of the Estate I happen to have first-hand knowledge that no Valid contract exists. The second Challenge that I offered for them to prove they were operating under Fraud was for them to provide a " True Bill '' of accounting since the inception of the account to prove that they actually provided a Loan at all. With These two Documents Provided and verified I offered to assume the Debt as long as they contained the essential elements of a contract to be valid. Experian Did Not verify any of these collection accounts or they would have determined they were bought in fraud from a outside agency that is not a party to the contract if one ever even existed. This Dispute was completed, and Experian ignored the matters at hand Allowing these Fraudsters to continue on the account stating that their investigation found the debt to be verified. Well, I sure as XXXX didn't verify XXXX. These Companys need to stop the Fraud on " We the people '' We are the Creditor and the CORPSeration need to stop the Fraud. Truth in lending, Fair credit Act, HR 192, Etc. Accessing our private exemptions and then spitting in the people 's faces.

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 2023-01-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
I've had an account with wells Fargo for 7 years and I recently had to close my account due to me going through identity theft and I had multiple transactions that were not done by me. Wells Fargo then decided to close my account completely and I really needed it. They didn't even try to help me at all they were debating with me over my money that was taken out of my account. I need help asap.

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 2023-01-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: UT

Complaint narrative:
I did a remodification on my home loan with Wells Fargo two times to save my home from foreclosure. It was like ten or 8 years ago and unsure of the loan number. I owed maybe XXXX on my home but when I sold it for XXXX I was told I would only receive XXXX because of the loan modifications took must of my money.

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 2023-01-20 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: PA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-20 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: PA

Complaint narrative:
On XX/XX/XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX XXXX data breach as well as Equifax 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
I bought a brand new XXXX in XX/XX/XXXX ( XXXX XXXX  ), wells Fargo financed the loan. I called for the payoff amount and my next car statement they charged me {$5.00} for the call. I didn't put in a complaint because I was afraid they would charge me for the complaint. The car is now paid off, but I'll never finance another car with Wells Fargo, they can take the {$5.00} bucks and shove it up their XXXX XXXX 

It feels good to finally get that off chest. Wells Fargo XXXX! 

Sincerely, A former Wells Fargo customer

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 2023-01-20 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: CT

Complaint narrative:
I called XXXX XXXX XXXX XXXX many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.

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 2023-01-20 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: CT

Complaint narrative:
I called XXXX XXXX XXXX XXXX  many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 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: Experian Information Solutions Inc.
State: CT

Complaint narrative:
I called XXXX XXXX XXXX XXXX many times ever customer service tells me a different lie every time me as a mortgage broker for 26 years I know these things work differently when you pay mortgage you have to report that it has been paid on time if you don't pay its otherwise. They dont report to my three bureaus at all.

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 2023-01-20 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: PA

Complaint narrative:
Experian has been put on notice that they are reporting inaccurate late payments on my consumer report for XXXX XXXX XXXX XXXX and still hasnt update this information. I have requested proof of late payments to show the fees and actually dates of payment which They should have from investigation which I never got, and recently Ive provided my statements from XX/XX/2021 and XX/XX/2021 to show their error. As a furnished of information it is their duty to make sure the information is being reported is 100 % accurate. If Experian really did conduct an investigation this information should have been updated. With their noncompliance its negatively affecting my life even though by law they can not furnish information with actual first hand knowledge of errors that provided but still continues to do so. 

Attached is my statement showing I wasnt late along with proof of identity and address

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 2023-01-20 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: IL

Complaint narrative:
I sent a letter on XX/XX/22 to XXXX, TransUnion, and XXXX to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : 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 2023-01-20 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: LEXISNEXIS
State: IL

Complaint narrative:
I sent a letter on XX/XX/22 to XXXX, XXXX, and LexisNexis to remove erroneous items that are UNKNOWN to me. I came across this law today and according to the Per FCRA 605B ( 15 U.S.C. 1681c-2 ) they are required to remove any item or information not later than 4 business days after the date of receipt. Ive already included this in my previous Complaint # XXXX and XXXX & I am including it again., XXXX XXXX XXXX XXXX Balance XXXX {$0.00} ; XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX Reference XXXX : XXXX ; XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
checking my credit report I am intrested in disputing all invalid daTA that is hindering my credit profile with Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA, the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX ; XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX ; XXXX XXXX SQ XXXX XXXX, IL XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ; XXXXXXXX XXXX XXXXXX/XX/XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires them to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If they do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

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 2023-01-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Please remove all XXXX inquires. Please view listed inquires delete from my credit report. I sent over a police report and there were no actions taken. 


XXXX XXXX date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXXXXXX XXXX XXXX  Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXX XXXX XXXX XXXX Inquiry date XX/XX/XXXX Removal date XX/XX/XXXXXXXX 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 non-monetary relief
Consumer complaint received 2023-01-20 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: FL

Complaint narrative:
I filed XXXX disputes with TransUnion Credit Bureau to dispute a wrong information on my XXXX XXXX account. This account was paid off on XX/XX/XXXX and XXXX closed the account ( as it was already paid off ) on XX/XX/XXXX. TransUnion is showing this account as with serious delinquencies as it was not paid on XXXX even when the account was totally paid off on XX/XX/XXXX. In all my disputes with TU they are replying me that according to their investigation their data is correct. I called XXXX XXXX ( XXXX ) on XX/XX/XXXX to verify the standing of my old account with them. XXXX XXXX said that they never received a complain/ dispute from TU regarding my account and if so they should have answered that my account was in perfect order and always paid on time and as agreed. It is evident that TransUnion made a mistake which they not even bother to investigate after receiving XXXX disputes and always cut and paste the same response : INVESTIGATION RESULTS- VERIFIED AS ACCURATE when they never even contacted the provider to process my dispute on their own wrong information. Amazing and a shame!!!

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