vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CT

Complaint narrative:
My attorney advised me to inform the federal court Wells Fargo has not honored their settlement offer of {$3700.00} made to me by an XXXX XXXX with Wells Fargo in XXXX. Since no payment was received, I have again requested a refund amount of {$610.00}. I requested this amount prior via four mediation request forms sent to me by Wells Fargo. I deducted prior refunds received as a remedy, they are reflected in this amount. Wells Fargo rep by the name of XXXX XXXX claims to have made numerous attempts at resolution, exhausted all resources. He does not go into any detail of these supposed resolution attempts, which I can assure the CFPB and any other agency are entirely bogus. I've sent in a total of four mediation request forms, was offered a bogus settlement as no payment was received, denied refund since. Further, Wells Fargo is fully aware of what it needs to do in order to resolve this, which is to refund {$610.00}. Since they will not honor my request, an attorney has advised me to notify the federal court they have failed to honor their settlement offer. There appears to be numerous cases in the court system against Wells Fargo, I was advised to inform the court they have not honored their offer, failing to refund. Most recently, I attempted to resolve this matter by calling their Executive Office, I called on Monday XX/XX/XXXX, spoke with a total of three different reps ... I spoke with a XXXX whom could not locate any cases or files under my name, despite numerous CFPB complaints. She then referred me to settlement administrator which I believe to be a mere run-around as the settlement offer was made with a rep with Wells Fargo, her email is from Wells Fargo as well. I called back, spoke with another XXXX, requested to speak with XXXX, she could not locate him and also could not locate any cases under my name. A third call was made spoke with a XXXX, the same result with this rep as well.. If there is any question as to which party is trying to resolve this, please refer back to info I just provided and the fact XXXX has not detailed one attempt at resolution.. I can assure any third party to this matter that Wells Fargo has done absolutely nothing to resolve this..

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 2019-12-12 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: COOLEY ENTERPRISES INC
State: TX

Complaint narrative:
I traded in my XXXX in XXXX-XXXX  and XXXX XXXX In XXXX XXXX didnt finalize my trade correctly it shows I owe a debt when my car was a trade in and my car was paid off. 
I have tried several times to call them over the years and I gave up. I know the importance of my credit and I need this removed This also has caused ( XXXX XXXX to stay on my account from XXXX  because of this error )

Company response to consumer: Untimely response
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Avadyne Health Holdings, Inc
State: NC

Complaint narrative:
H & R Accounts ( XXXX ) has placed a medical collection on my credit report for XXXX. It says that the original creditor was XXXX XXXX. The first problem is that I do not believe this is my account or debt. I have attempted to dispute this information with the credit bureaus twice now. Each time the dispute is resolved within 5 days and marked as accurate and meets FCRA requirements. The first dispute was submitted on XX/XX/19 very soon after it was reported to the bureaus. It was resolved on the XX/XX/19. I was never sent any documents verifying the account was mine. I have submitted another dispute on XX/XX/19 and have already been notified it was resolved with the same results and no verification documents. XXXX, XXXX, and XXXX  have not done sufficient investigating in either dispute and H & R Accounts has made no attempt to verify the information, validate any documents, or send any billing information. I know for a fact this account is either not mine and reported inaccurately or the original creditor XXXX XXXX has supplied them with the wrong information for the wrong person. I will be filing a lawsuit if the CFPB can not resolve my complaint with accurate verification. I can not supply any supporting documents because there are no documents, the account is false and not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????

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 2019-12-12 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: TN

Complaint narrative:
Experian stated that accounts that i know are identity theft account belongs to me when i know that they are not

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 2019-12-12 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: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX I authorized a charge with XXXX shoe store. Shortly after I received a confirmation email I noticed the email was from a bogus company claiming to be XXXX. In addition, the company charged me more for the order than I originally authorized. Immediately I contacted Citi to advise of the issue and cancel my card and requested a replacement. Citi sent me documents I was to fill out and return to them which I did. I contacted Citi numerous times requesting status update on the dispute case which representatives advised they received my correspondence and were investigating. Mid XXXX I received a letter from Citi claiming they did not receive my documents. By this point I was irate after my many conversations that led nowhere and much wasted time. Today is XX/XX/XXXX and I have spoken to Citi too many times. I spoke to a very nice representative today who instructed me to write Citi and request an appeal as he was able to confirm I indeed sent ALL information requested and the dispute team overlooked it. I also wrote to the XXXX  which I have yet to hear back from after someone from the executive office called me and told me they work in the credit card section and would forward my concern to the banking side. I am truly beginning to lose all faith and confidence in Citi. This is the first time I raise a dispute and I am extremely disappointed as the company was bogus and while I authorized the charge I shall add I never received any goods or services from this company. Not only was the company bogus which I understand Citi should not take the loss as again I authorized the charge ( mistakenly ) BUT I never received good from the company therefore Citi should dispute this accordingly. I am looking for resolution of the funds being refunded to my account as this fake company does not deserve to keep my money and Citi has dropped the ball all around on this matter.

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 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-12-12 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I AM VERY UPSET OVER THIS ACCOUNT!!!! I HAVE NEVER BEEN LATE ON A INSTALLMENT ACCOUNT. EVERYTHING I HAVE IS ON AUTO PAY! PLEASE DELETE XXXX XXXX XXXX  # XXXX NEVER DONE BUSINESS WITH THEM UNKNOWN ACCOUNT JUST POPPED UP OUT OF NO WHERE????

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 2019-12-12 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Loan was paid off and a year later It shows account was charged off.

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 2019-12-12 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: JPMORGAN CHASE & CO.
State: KY

Complaint narrative:
My Mortgage and escrow was transfered from Chase to XXXX XXXX   DBA XXXX XXXX on the XXXX XX/XX/XXXX. 

Upon checking my online Chase account I see that on XX/XX/XXXX the follwing happened : 1 Escrow XXXX was transfered 2 Servicing Transfer XXXX 3 Restricted Money Adjustnebt XXXX 4 Late Charge Waived XXXX My new servicer XXXX XXXX is showing the late charges and and a {$15.00} fee from XXXX that I knew nothing off from Chase until today. 

As far as I am concerned the late fees from Chase have been removed as waived means waived. Payment means payment and waived should mean waived. 

Any other late fees I have had waived in the past have been waived with exactly the same meaning on my account

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: WI

Complaint narrative:
I filed a dispute with all three bureaus Equifax, XXXX, and XXXX. I have a Bankruptcy that was discharged XX/XX/XXXX almost 9 years ago. I've been steller since this discharged. My XXXX  dispute concluded and deleted Docket # XXXX, XXXX XXXX XXXX  XXXX XXXX XXXX. XXXX, WI XXXX, ( XXXX ) XXXX. 

However, it only took XXXX  2 days and stated my case won't be removed. I submitted XXXX  decision regarding the deletion of this file. XXXX   should have followed suit because the same information was given to all 3 bureaus. XXXX  stated it would be removed on XX/XX/XXXX. 

As a consumer, my credit report should be legally reporting the same information. This Docket should be removed from all 3 bureaus. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Westcreek Financial
State: SC

Complaint narrative:
I am a victim of identity theft and this debt does not belong to me. Please see the identity theft report and legal affidavit attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT

Complaint narrative:
The below complaint was marked as duplicate to avoid addressing it.. Complaint was filed as per advice from my attorney..Please see below.. As explained in numerous prior CFPB complaints, a close out check was intercepted by a third party while I was away on vacation, the amount of check, {$4200.00}, is remaining balance in account ending in XXXX, now closed by Capital One security intake team. A prior check for same amount had a stop payment placed on it prematurely by a rep with Capital One, sent on XX/XX/2018, received and deposited on XX/XX/XXXX. I left for vacation the morning of XX/XX/2018 at XXXX XXXX, second check which was intercepted was sent via XXXX 2nd day, an email was received from XXXX showing a package sent from Capital One while I was away. I was in XXXX XXXX from XX/XX/2018 to XX/XX/2018. When I arrived home, the package was nowhere to be found, I later learned check was intercepted by third party, a XXXX XXXX whom does not live here currently. She is an ex-wife of a cousin whom lived here prior to me moving in, she did not have consent to sign my name and cash check. She was in the area visiting a neighbor in another apartment and intercepted package. I have not received funds. As per advice from my attorney representing me in legal matter pertaining to Capital One data breach, I was told to advise CFPB and OCC she did not have consent to sign my name to check. Furthermore, according to my attorney, I am still owed the funds as again, consent was not given to sign my name to check. I learned of her signing my name by a manager by the name of XXXX with Capital One leadership team, he informed me check was signed and cashed by this person at a XXXX XXXX XXXX  which I do not have an account. Capital One rep by the name of XXXX XXXX has attempted and failed implying the person, XXXX XXXX, is my mother and lives here. She is not my mother and does not live here. Further, it appears she also attempted to imply I somehow received funds, which I have not. This account, ending in XXXX, was opened as a result of data breach as well as two credit accounts. There is disagreement with a Capital One rep by the name of XXXX as to this fact. However, my attorney agrees as well as several others investigating data breach. I have attached copies of checks issued by Capital One, three in total. Signature is different on one which was intercepted, the other two are signed by myself, Capital One seems to ignore this fact, will not examine signatures. I request Capital One reissue check for funds owed, as per advice from my attorney. Complaints marked as duplicate when they are not will be resubmitted to CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WI

Complaint narrative:
On XX/XX/2019- Officially pre-approved for a mortgage. Contact made first from XXXX XXXX XXXX who informed that the next person to take over would be XXXX XXXX. XXXX XXXX communicated effectively to both applicants. XX/XX/2019-Begins communication with XXXX XXXX . XXXX vaguely stated that she needed items for the mortgage. Information sent. Each step of the process XXXX took a full day to respond. Then XXXX called one of the applicants requesting information from the husband. There is no husband in this marriage. XXXX requested information from the husband several times over a period of days before finally answering the phone and being told that there was no husband or male in this application process. XXXX stated that mortgage was rejected due to only one applicant making less than {$7000.00} a year. XXXX did not review all of the documents submitted causing denial of mortgage and resubmission of all documentation Real estate agent contacted XXXX stating that the lack of communication and understanding of documents submitted is unprofessional. Request to speak with supervisor made on XX/XX/19. XXXX XXXX ( supervisor ) became defensive and stated that XXXX was doing her job and made a few errors. XXXX XXXX stated that XXXX XXXX stated that I worked part-time and mentioned information was incorrectly entered at the beginning of the process. Request was made for a new loan officer. XXXX took over the account and notified applicants that a conditional approval was made. Request of a donor letter from a bank was made. Donor letter was sent on several occasions. Spoke with XXXX XXXX on XX/XX/19 asking if the letter sent was acceptable for XXXX responded that she submitted the letter because she does not know how to reiterate to the applicants what is needed. Applicants read through the emails yet again and not once does any email indicate that the donor letter come from the donor 's bank which tremendously prolonged this process. Request contact with supervisor. Connected to XXXX XXXX. XXXX XXXX answered the phone call right away and applicant stated that there has been frustration with several workers in this process. XXXX XXXX proceeded to yell to the point where the audio was breaking up in this phone call. Request was made to this supervisor. Email and voicemail left for XXXX XXXX director of mortgage loans of USAA. Closing date is XX/XX/XXXX and present date XX/XX/XXXX when application was submitted XX/XX/2019. Applicants feel involved parties at USAA are sabotaging the loan after almost ten years of loyal service to USAA.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MIDFIRST BANK
State: OK

Complaint narrative:
I contacted my bank, Midfirst Bank, on the evening of XX/XX/2019 informing of fraudulent transactions processed on my checking account. At the time I was only aware of 3 separate transactions of {$17.00} each processed on the same day. I filled out a dispute form explaining these charges were fraudulent and was given a new debit card. I informed the banker I have a XXXX account, however, I use my Midfirst Credit Card to pay my monthly fees. The dispute department researched and declined my fraud claim because they said there was a pattern of charges. I called the area manager furious about this decision. She explained to me that there were separate charges for different amounts going back to XX/XX/2019. She assured me that I could fill out another dispute form and she would forward them to the appropriate department for review. Within a week or so of the newly resubmitted forms I received some letters stating they found fault with the transactions from XXXX, XXXX, and XXXX. However, they stated they would not refund the transactions from XXXX and XXXX. In other words, even though the debit card was compromised they refunded some of the XXXX charges, however, refused to credit back the 6 charges totalling {$100.00}. Some of these charges have alleged signatures and some are labeled as XXXX. I spoke with the area manager a few days ago, actually going into the bank stating that I would like to resubmit a form for fraud on the remaining 6 transactions. She stated, " I wouldn't worry about submitting the forms again, they'll just get rejected again. '' Is that how a banking manager should act toward a customer? Taking away my right to dispute fraudulent transactions. I wanted a copy of my signature, and proof that I authorized those transactions. Proof they could not provide. I attempted numerous times speaking with the area manager and someone who is above her. As a longtime customer of Midfirst this situation is extremely frustrating. All they had to do is make the situation right, it's just that simple.

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 2019-12-12 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: Insikt, Inc.
State: CA

Complaint narrative:
On the date XX/XX/2019 am open account of a loan was removed from my credit repot as a despus and I wanted to undo that despute which was an error I tried going all over the internet trying to see if I can have it put back in my credit report so I can also get the credit for it as well all my payments for the personal loan I got have still been made on time and will keep being on time if I could have a response to how can I can resolve the issue I will appreciate it -Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: ENCORE CAPITAL GROUP INC.
State: VA

Complaint narrative:
I spoke with XXXX XXXX asked for his employee number he stated I could only receive his extension which he gave as XXXX I told Mr. XXXX I was calling to dispute the debt for which I was sent a pre legal notification letter for. I told him I wanted to know about disputing the validity of the debt and the conversation escalated to the point where Mr. XXXX stated that I would remember this conversation. I felt that the manner in which he said that statement it conveyed a serious threat. I asked to speak to a manager which we went back and forth then he placed me on hold however I could still hear him typing he came back and said a manager wasnt available then we talked more and he tried to explain how he meant what he said about me remembering the conversation however I truly and sincerely believe that he meant it in a hostile threatening manner and it made me fearful and uncomfortable. The call ended by him saying he would dispute it. This happened on XX/XX/2019 at approximately XXXX XXXX  eastern time

Company response to consumer: Closed with non-monetary relief