vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
At the end of XX/XX/2020, I went through the lengthy time and trouble of setting up an online account just so I could use the Wells Fargo Bill Pay system and pay ONE STINKING bill every month to XXXX and maybe one other monthly payment. After setting up XXXX as a payee, I tried at least five times to make a payment but the Wells Fargo system keeps insisting on sending a TEXT MESSAGE to my phone. I do not have a phone that accepts text messages as I am on a fixed income and the Consumer Cellular plan I have provides voice calls only, no text messages. However, in addition to my cell phone, I have a landline phone which Wells Fargo was able to call and verify when I originally set up my online access. 

I have called Wells Fargo customer service numerous times and they were unable to help. They actually escalated my complaint to a Complaints Specialist and he provided no resolution and also left me a phone number to call him. I have tried at least 10 times to call the phone number and the phone number does not exist in their system. So, Wells Fargo manages complaints by giving out phone numbers that do not exist so they are a bunch of liars. I am including a copy of the Wells Fargo response with the phony phone number. 

In addition, the requirement to receive a text message prior to making a bill pay payment is DISCRIMINATORY. They are discriminating against older customers who do not have access or the ability to pay for this kind of technology. Discrimination is illegal and Wells Fargo needs to be stopped from perpetuating a practice where they decide who and who can not transfer money and use their services based on technology which is still not available to all their customers.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
On XX/XX/2020, I submitted letters for inaccurate accounts on my credit report. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
On XX/XX/2020, I submitted letters for inaccurate accounts on my credit report. I feel these accounts are adversely affecting my credit report and costing me thousands of dollars in interest every year. This is not a regular dispute I have filed a complaint with the federal trade commission and XXXX XXXX XXXX  because to my knowledge I do not recall any of these accounts. I need this problem corrected immediately, I will not wait another 50 days to receive no response from only to have to ignore my dispute. I demand that these accounts be deleted from my report immediately or I will file for litigation due to the stress and financial strain this process has caused me and my family. Section 611 ( a ), it clearly states that a failure to investigate these items within 30 days gives reason for immediate remove those items from my credit report promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
I Have been an a victim of Identity Theft for a few years now. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is unacceptable! ( Collection Agency ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( Collection Agency ) and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: UT

Complaint narrative:
I have been a victim of Identity Theft. The Items I have identified and highlighted on my credit report in which I sent into XXXX do not relate to any transactions that I have made or have applied for resulting in Fraud creating several errors which have all hurt my credit score I value. I have asked XXXX  to Please block, remove or delete this information pursuant to section FCRA 611. XXXX is the reason why this has happened!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I opened an estate checking account for my father 's estate as the independent administrator for the estate on XX/XX/2020 at Chase Bank in XXXX XXXX XXXX, Texas. The account was opened with {$3300.00}. I sold a property of his that he owned outright through a realtor and used a title company. I instructed the title company to wire the proceeds of the sale in the amount of {$200000.00} to the estate account. The wire was sent successfully. Chase Bank received the wire and proceeded to close the checking account for the estate, never crediting the checking account with the wired funds. They refuse to talk to me and tell me what happened to the wired funds. They have not returned the funds to the sender as of this date. Chase just says they are terminating the banking relationship, which is fine as long as the estate gets the money from the account and the wire transfer. Please help me, I really don't know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Millco Management
State: AL

Complaint narrative:
Dear CFPB, I have XXXX XXXX XXXX XXXX XXXX, so I have a XXXX XXXX  and XXXX office I visit to keep on top of it and in good health ( XXXX XXXX XXXX. ) After visiting the XXXX  office multiple times with no issue, I get a bill for {$1700.00} dollars for a test I did not receive. The procedure is called a XXXX XXXX XXXX. I called the office to remedy the problem and woman staff member tells me that this happens from time to time, they will take care of it and not to worry. A month goes by and I receive another bill. I call the office again and remind them of the issue and they tell me once again that it will be taken care of. Another month goes by and I receive another bill. I had an appointment scheduled in 3 days, so I decided to speak with them face to face. I have my regular check up and on my way out I speak to the front desk staff and they tell me that they are very busy and that they can give her a message and remind her of the situation. I left the office and went to work. A few weeks later I get another bill. I make another phone call and now that the account is over 90 days delinquent they proceed to tell me that they will not see me again until the account is paid up. I tell them that this is a mistake again and what the other girls told me and she tells me they will look into it. At this point I don't believe her and am fed up, so I decide to seek a new XXXX. The bills stopped coming for a couple months and I think that the mistake has been fixed. Great right! Nope, that's just how long it took to be turned over to a collections agency ( XXXX XXXX XXXX ) and the phone calls to start rolling in. In response to all this I decide to use XXXX XXXX to dispute the inaccuracy and have multiple times, I added a consumer statement to my credit report and now I am filing a CFPB complaint. I just don't know what else to do. The mistake happened so long ago, no one remembers me on the phone and if it is investigated, because the mistake was made by the XXXX  office, it is in my file that I owe this money. I do not owe this money, I did not receive a XXXX XXXX XXXX and I am not going to pay for something I did not receive. Please help .... Respectfully, XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: HI

Complaint narrative:
There are currently numerous items listed on my credit report that I have no knowledge of. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
My credit report with Transunion is horribly inaccurate, is was fine for years then at the beginning of XX/XX/2020, my own information got combined with another person with a similar name since then I have lost out on a loan because of it. I have called, cried, begged, everything for them to fix it and they said they 'do not make mistakes ' and my credit report is correct. I do not have a mortgage, yet it says I do, I own my home, I have 4 cc and this other person has over 30.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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: Franklin Collection Service, Inc.
State: TX

Complaint narrative:
Saw new charge in my account from XXXX XXXX reported by Franklin charge {$120.00} that was placed in my report when ask they say it was debt on XX/XX/XXXX the had place as new account openedXX/XX/XXXX I have no knowledge of {$120.00} with debt that was suppose to have been from XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: FL

Complaint narrative:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response yet. Your failure to positively verify these accounts has hurt my ability to obtain 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 2021-01-07 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
My loan with Ally was paid in full on XX/XX/2020. I have not received my escrow balance refund. 

On XX/XX/2020, I inquired with Ally 's customer service about the status of my escrow refund. On XX/XX/2020 I was told by XXXX XXXX, their email representative, that it was disbursed on XX/XX/2020 and to allow 7 to 10 days for it to arrive at the mailing address. When looking at a calendar, XX/XX/2020 was a Sunday when mail isn't processed. 

The history on my account shows the escrow disbursement is dated XX/XX/2020. When I called back I was told that it was generated on XX/XX/2020 and mailed on XX/XX/2020. 

To date I still have not received it. When I called again today, I was told that the refund was generated on XX/XX/2020 and the customer service representative named XXXX ( who couldn't provide me with her last name ) said she couldn't tell me when it was mailed or provide me with any mailing information. 

The information being provided by their associates seems to all be inconsistent. 

Escrow refunds should be mailed within 30 days of the loan being paid off. Ally is out of compliance and their customer service is very unhelpful to say the least.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NJ

Complaint narrative:
Account has been paid off and account status says Paid however payment status says Collection/Chargeoff

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
PayPal Website continually says Cant complete request. 
Cant get through to a live person to resolve. 
Corporate office number disconnects calls

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-07 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
Case file : XXXX -- Per capital one I called Capital one back in XXXX of 2020, due to the covid outbreak, the hold time was over an hour. I cancelled a card through the automated system as instructed, however, Capital One still allowed charges to process on that card that was supposed to be closed. They have told me that they would adjust my card balance, crediting my fees back and as of today nothing has happened. I have been on the phone for 4 hours at a time, each time a 'supposed ' supervisor over promises and under delivers, yet I still am required to make my payments on time even though this issue has been ongoing for almost a year. Each time I call it is always a different lie that they are working on it, they have it fixed, I have been told I have been credited back my charges, had to get into an all out shouting match with the rep on XX/XX/2020 to make her aware you are calling me a lie, and your records are WRONG. Then 4hrs later she told me that I was correct and they would adjust the problem as of today nothing. I do not know what other avenue to take, but Capital One has been horrible and I just want my balance adjusted

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-01-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Recently, I received a copy of my credit report and found several fraudulent inquiries and accounts on my credit report that were not opened by me ( See attached Affidavit, and Police Report ) but, I don't have any knowledge of these accounts being open, any contract bearing my WET signature is fraudulent and was not signed by me. I understand that under federal law, ( Sec.602 ( a ) ( b ) of the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes " inaccurate information '', which must be removed under the ( Sec.602 ( a ) ( b ) ) Fair Credit Reporting Act. Respondent, please have the following accounts removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of 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 2021-01-07 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:
I Have been an a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX XXXX and ( Original Creditor ) and explained to them which I was transferred several times, disrespected but the customer service rep after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! 

This is unacceptable! Please remove this account right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: GA

Complaint narrative:
It has come to my attention that i have been a victim of Identity Theft for a few years now. ( XXXX XXXX ) placed a collection on my credit report that was from Fraudulent Activity. I have contacted ( XXXX XXXX ) and ( Original Creditor ) and explained to them which I was transferred several times, i felt disrespected by the customer service representative after explaining to them the situation that they have the wrong person. This company is very unprofessional! I also sent them a copy of the police report. I will also file with the CFPB and FTC! This is very inconvenient on my part!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 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: NJ

Complaint narrative:
XX/XX/2020 - 2 fraudulent charges one in the amt of {$150.00} and other for {$500.00} were made on my checking acct ending in XXXX. One charge of {$150.00} was sent credited to my account - the {$500.00} Wells Fargo insists the charges were made by me or an authorized representative through a XXXX transfer. First, I have never ever opened or authorized anyone to open a XXXX account. WF states it was made through my cellphone. I immediately contacted WF when I saw these charges pending on my checking account and was advised Fraud Dept would handle and refund my money. Numerous months passed with correspondence going back and forth with WF insisting - I made the transactions. I have opened a new checking acct and filed reports with the FBI, police, credit bureaus along with complaints with WF executives, CFPB, Senator t and involved the media with regards to my complaint with WF. Their communications reports reflect it was done on my cellphone - I went to the XXXX store to have my XXXX checked for anything and everything - they state malware and spyware is possible on an XXXX - so I bought a new phone. I have done everything humanly possible to protect my account going forward. WF sent me a letter stating the {$150.00} was credited to my acct. Where is my {$500.00}? I am also upset and disappointed this XXXX account remaining open by WF after I advised them, I never opened it ... this was discovered accidently looking for the ATM access code withdrawal ( which I use ). I have been a customer with WF for over 25 years with my checking account and they are questioning my integrity which is not taken lightly being a United States XXXX XXXX Veteran. Why is it when WF data has been breached ; consumers must accept it but when one 's personal data is compromised, we are left to fend for ourselves? WF is crazy to think anyone will not fight for their money especially when they did not authorize or even know the person.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: DISCOVER BANK
State: FL

Complaint narrative:
On XX/XX/2020 and XXXX 2020 I paid my bill per usual earlier than the due date. Unbeknownst to me the payment showed up as late, which is impossible. I never received any notifications saying that the payment didn't go through. I have made several attempts to rectify this issue with my provider to no avail. This has caused me higher interest rates on a recent loan, and problems trying to finalize my mortgage. I take great pride in my perfect credit and payment history. This mistake is hurting my credit.

Company response to consumer: Closed with explanation