vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
This is a complaint in regards to Wells Fargo '' Claims Assistance Center - Credit Card Fraud Claims ''. 

Me and my wife are now going through our 3rd claim in trying to get a refund from 2 cash advances that was taking out by identity theft. 

Someone stole my wife 's wallet on XX/XX/2019 in XXXX XXXX, CA. 
This person went to two Wells Fargo branches and took out two cash advances in the amount of {$2600.00} and {$3000.00}, a total of {$5600.00}. 


The person who took out the cash advances impersonated my wife using her I.D and falsified her signature. 

Wells Fargo is not being helpful in the process of refunding these unauthorized transactions. 
Wells Fargo believes that it was my wife who made these cash advances because the ''signature matches her ID ''. 

Wells Fargo has not showed us these falsified signatures or showed us the CCTV footage where these transactions took place which was INSIDE Wells Fargo Branches. 

We are very stressed about this situation, we feel that we have done everything right by our part. 

As soon as my wife noticed the transactions by logging in on her wells fargo account, she immediately called wells fargo to close the account. This was done on XX/XX/2019, same day as the fraud took place. 

On early morning on XX/XX/2019, we went to the police to file a police report. 
We have submitted this police report TWICE to Wells Fargo XXXX Claims Assistance Center - Credit Card Fraud Claims '', but to no avail. 

Wells Fargo still believes my wife did these transactions but they won't let us look at the falsified signatures or the CCTV footage which would confirm that my wife could not have done this. 

This is causing extreme stress, we are currently awaiting our first child and we need the credit card to prepare for our child. 
Wells Fargo has shown extreme negligence in handling our claim and we need this resolved 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 monetary relief
Consumer complaint received 2019-12-17 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 — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
Since XX/XX/2019 I have contacted the collection agency XXXX XXXX XXXX XXXX and all three credit bureaus ( XXXX, XXXX, and Transunion ) disputing the unknown account and asking them to provide documents to support their claim of me owing them debt such as identifying documents, a legal contract bearing my signature, calculation of the debt, how it was calculate, and who furnished the information. For over ten months all I get are " form '' letters no real facts when they should have provided these documents within 30 days according to FCRA law. They have continued to break the law while my quality of life suffers. This is my last attempt to resolve this issue without legal assistance. The account in question is XXXX XXXX XXXX   XXXX ... Amount {$3700.00} for an authorized/unknown account.

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 2019-12-17 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
There are 2 accounts showing and it's not mine. Please remove it.

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 2019-12-17 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: NV

Complaint narrative:
There are XXXX accounts showing and it's not mine. Please remove it.

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 2019-12-17 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: NV

Complaint narrative:
There are 2 accounts showing and it's not mine. Please remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have proof and evidence supporting my claim. XXXX XXXX XXXX  was removed from my experian report in XX/XX/2018 and is still on my report. Experian sent me a letter of removal and refuse to remove the item from my credit. please help in resolving this problem.

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 2019-12-17 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Account Resolution Corporation
State: MO

Complaint narrative:
***THIS IS NOT DUPLICATE*** I am in receipt of a computer-generated letter from your company unsigned, unverified, unvalidated statements alleging some kind of debt. 

It is my policy to pay all legitimate debts, but also not be defrauded by clever schemes. 

Your claims are conditionally accepted provided you furnish me with a claim verified under penalty of perjury. 

Who are you? Do I have a contract with you? Please send me a certified copy of the contract that exist between XXXX XXXX and ACCOUNT RESOLUTION CORPORATION Debt. 

Please verify your claim under pains and penalties that this is a true debt and not a collection scheme per the F.D.C.P.A at 15 U.S.C. 1692 e. g. 

If you bought this as a debt collection device to make money as a debt collector, thank you for paying off the bill. 


NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE TO PRINCIPAL IS NOTICE TO AGENT SILENCE IS ACQUIESCENCE

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO

Complaint narrative:
On XXXX I responded to an on-line Pre-approved CapitalOne credit card offer with a {$150.00} sign-on-bonus with an immediate computer-generated response that said I was denied even though I have an excellent credit score of XXXX and above ; depending on the reporting agency. Although I was denied the card with the sign-on bonus, CapitalOne offered me another card that said I was approved for, but I denied the offer because I recognized it as a fraudulent bait and switch scam and I didnt want to do business with a company like that. 
This was a fraudulent bait and switch scheme that was clearly aimed at getting my business but without paying me the sign-on bonus. When I received a denial letter shortly after, all the reasons were untrue and invalid such as too many inquiries in the last 12 months which I had none. It also claimed amount on revolving accounts too high which as of this date XXXX  XXXX  shows utilization of XXXX {$580.00} out of {$110000.00} but the main question is How can I be denied for a card yet approved for a card for the very same reasons? 
This is a scam and it has affected my credit score by adding two inquiries which CapitalOne has refused to remove when I spoke to an agent by the name of XXXX employee # XXXX at XXXX. When I asked how can I be denied for a card yet approved for a card for the very same reasons the employee lied to me and said I was denied the other card also and became belligerent. It should be obvious thats a lie because why would another card be even mentioned at all if I didnt qualify for a credit card, yet she knew about the offer. 
I want the inquiries removed but I want CapitalOne to be cited and to be prohibited from engaging in marketing scams that can affect peoples credit without recourse. 
Please stop these frauds from doing this to others and hold them accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
On Monday, XX/XX/XXXX a member of the global fraud services department at American Expressed called me in regards to recent charges that I disputed as fraud. I strongly believe these charges to be fraud as the amount spent was well above anything I have ever spent before. During my phone call the American Express employee called me and said that wether or not these charges were fraud it doesnt matter and he was going to get the FBI involved if I continued to say these charges were fraud. I explained to the employee that I would never spend this money. He stated it doesnt matter, I explained that he was scaring me. He said the only way I wouldnt get in trouble was if I called the XXXX number on the back of my card and said these charges werent fraud. Me being scared and fearing for my life, I immediately called and said I did not make these charges however I am so scared. American Express threatened my freedom as a way to get me to admit to something I did not do. Do not get an American Express card. They are dangerous and scary. They will not stand by you. The anxiety that I have been left with is awful.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Personal information incorrect
Company: General Motors Financial Company, Inc.
State: SC

Complaint narrative:
GM Financial was not reporting my car loan back in XXXX. Now al of a sudden, they want to report everything. it is showing that I had a late payment in XXXX. My payments are due on the XXXX of each month. I made the payment on XX/XX/XXXX. I do not understand how this would be considered 30 days past due if I paid in it on the date that the payment is actually due. 
XX/XX/XXXX Processed {$580.00} *****XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: ONEMAIN FINANCE CORPORATION
State: CA

Complaint narrative:
I reviewed my XXXX, XXXX  and XXXX  and l discovered a fraud unauthorized inquiry on my credit report .A Financial Institutions by the name of One Main Loan in XXXX Indiana . 
I didn't apply or authorize no creditors to pull my credit online or by phone and l didn't sign me documents with my official handwritten I am XXXX XXXX and Retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: CountryPlace Acceptance Corporation
State: SC

Complaint narrative:
I owed XX/XX/XXXX - {$660.00} paid & posted XX/XX/XXXX ( countyplace collections dept XXXX in Collections took payment over phone ) and I agreed with her to pay XXXX payment on or before XX/XX/XXXX well I paid it as agreed XX/XX/XXXX electronic Ach payment with receipt confirmation payment posted XX/XX/XXXX my bank transaction # XXXX - unbeknown to me why but Countryplace refunded {$660.00} mortgage payment back to my checking account on XX/XX/XXXX no return description of why no phone call and no mail correspondence explaining this action. this put my mortgage account two months in rears I also paid late fees separate for the XXXX and the XXXX late charge. in amount {$35.00} this too was returned. 
I had sent paperwork as I was attempting for the second time to file for loan modification, however in doing all I could to reduce my debt I was able to reduce my homeowners insurance from {$1400.00} almost {$400.00} a year to {$1100.00} yr and my property tax from {$340.00} a year down to {$100.00} therefore my mortgage Priniciple and interest being {$410.00} monthy and by adding Tax and Insurance my new payment monthly would be {$510.00} monthly affordable enough that I could put it back on automatic payment from my checking account. and remain on tract. However I am told by Countryplace that they will not intervent for me, an individual to make any such adjustments until my Loan anniversary which is XX/XX/XXXX. I asked that if there were to do a loan modification would that not be doing changes on an account on an individual basis? Well approximately 60 days from now thereby I told them it is no need to do a loan modification. I will continue paying as I can and be relieved when they adjust my mortgage XX/XX/XXXX. So now they are returning my mortgage payments and I want to know why. So why would they return my payment at a time when I am struggling to keep catching up payments. Are they trying to force me into foreclosure? I am enclosing copy of my bank transaction showing the payment ant the refund back to account from countyplace for XXXX Mortgage Payment and the Late fees foe XXXX and XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.

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 2019-12-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I had identity theft and XXXX XXXX XXXX  closed my account. Once I proved the identity theft XXXX XXXX XXXX  reopened my account XXXX XXXX took this account off the " Closed Account '' list but never restored it to my credit file as an active account. If they restore this account it would automatically increase my credit limit and lower the percentage of credit usage which would dramatically improve my credit score. They obviously are not in the business of improving consumers credit, they exist to lower our score and make it difficult to maintain credit.

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 2019-12-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX  XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.

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 2019-12-17 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: CA

Complaint narrative:
To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$50000.00}, {$11000.00}, {$8500.00}, {$5000.00}, {$1100.00}, {$260.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) I am writing to request the method of verification for dispute initiated on XX/XX/XXXX and the subsequent response received on XX/XX/XXXX enclosed with this letter.

In accordance with FCRA, Section 611, I am requesting this information to review for completeness and accuracy and appropriateness. In lieu of sending the information you can reopen the dispute and ensure a proper investigation is performed. 
I would appreciate a timely response outlining the steps that will occur to resolve this matter. If I do not receive a response I will have no choice but to exercise my right under FRCA, Section 616, and pursue legal action. 
-- CLOSED ACCOUNTS -- 1. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$50000.00} -This is not my account. 

2. XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$11000.00} -This is not my account. 

3. XXXX XXXX XXXX/XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$8500.00} -This is not my account. 

4. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$5000.00} -This is not my account. 


-- AUTO ACCOUNT -- 5. XXXX XXXX XXXX with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1100.00} -This is not my account. 


-- COLLECTION -- 6. XXXX  XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$260.00} -This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I had identity theft and XXXX XXXX XXXX  closed my account. Once I proved the identity theft XXXX XXXX XXXX  reopened my account XXXX XXXX took this account off the " Closed Account '' list but never restored it to my credit file as an active account. If they restore this account it would automatically increase my credit limit and lower the percentage of credit usage which would dramatically improve my credit score. They obviously are not in the business of improving consumers credit, they exist to lower our score and make it difficult to maintain credit.

Company response to consumer: Closed with explanation