vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2019-06-20 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: GA

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or 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 explanation
Consumer complaint received 2019-06-20 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: NC

Complaint narrative:
RE : XXXX PARTICIPATING IN IDENTITY THEFT XXXX XXXX XXXX : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against EXPERIAN, XXXX  AND XXXX  in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, XXXX  AND EXPERIAN are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the XXXX time I have made specific demands against this felonious organization to remove such information from my XXXX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have XXXX collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX-XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX, XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX XXXX XXXX, I-XX/XX/XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXXXXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXXTHE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On XXXX XXXX someone without my permission or consent opened an account with PNC bank depositing {$250.00} into the country the same day. As soon as I recived the letter in the mail I contacted PNC and they closed the account and started an investigation. On XXXX XXXX an account was made with XXXX XXXX XXXX in my name they deposited {$44.00} into the saving a account and the same day transferred the money to XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: NC

Complaint narrative:
RE : XXXX PARTICIPATING IN IDENTITY THEFT XXXX XXXX Last4 : XXXX DOB :  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against XXXX, XXXX AND TRANSUNION in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against XXXX and all CRAs listing erroneous accounts under my name and social security number. 
XXXX, TRANSUNION AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the 100th time I have made specific demands against this felonious organization to remove such information from my XXXX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$12000.00} XXXX XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX-XX/XX/XXXX XXXX-XX/XX/XXXX XXXX XXXX, XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX XXXX-XX/XX/XXXX XXXX XXXX XXXX-XX/XX/XXXX *********THE FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX , XXXX XXXX XXXX CT, XXXX XXXX XXXX CT

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 2019-06-20 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: NC

Complaint narrative:
RE : EQUIFAX PARTICIPATING IN IDENTITY THEFT XXXX XXXX Last4 : XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX # XXXX XXXX, NC XXXX ( XXXX ) XXXX Hello, Again with a complaint against XXXX, EQUIFAX AND XXXX in regards to multiple account that are listed on my credit report under my name that are in fact erroneous. 
I will file suit against EX and all CRAs listing erroneous accounts under my name and social security number. 
EQUIFAX, XXXX AND XXXX are all cohorts in knowingly publishing fraudulent account under Americans names without verification and authorization and my name just so happens to be on that list. 
This is the XXXX time I have made specific demands against this felonious organization to remove such information from my EQUIFAX credit report to no avail. 
Again, this is a DEMAND to remove the following listed items without prejudice : XXXX XXXX : BAL : {$12000.00} XXXX  XXXX  XXXX-BAL : {$12000.00} XXXX  XXXX XXXX-BAL : {$1600.00} As can be seen on my report, I have ZERO collections and per my history, all of my finances are paid on time. 
This CRA is an active participant in the destruction of the American Consumers credit rating and history. They are knowingly reporting information that is non-factual just because they can and will. 

I ahve opened a case with the Federal Trade Commission detailing such activity and have attached the report. This will also be sent to the respective Attorney general TO investigate this CRA! 

The following INQUIRIES will also be removed from my report, IMMEDIATELY without prejudice! 

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-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, I-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX   XXXX  XXXX-XXXX XXXX, XXXX XXXX XXXX XXXX  IXXXXC-XXXX XXXX, XXXX XXXX XXXX XXXX XXXX-XXXX  XXXX, XXXX XXXX   XXXX XXXX XXXX, XXXX XXXX FOLLOWING RESIDENTIAL ADDRESSES WILL ALSO BE REMOVED FROM MY REPORT : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CT, XXXX XXXX XXXX CT

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: GMA Investments, LLC
State: FL

Complaint narrative:
On XX/XX/2019 XXXX called my husband and my place of employment. Stated to both that she needed to get in touch with me regarding time sensitive documents regarding my property and to verify my employment. When my employer refused to provide information she became combative and HR told her to fax her request for information. My husband told her he knew she was scamming him because our mortgage is paid and she spoofed the number she was calling from. She called from XXXX-XXXX-XXXX and left a number XXXX-XXXX-XXXX  to call back and that is summit receivables. nothing to do with my mortgage.

Company response to consumer: Untimely response
Consumer complaint received 2019-06-20 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: ID Analytics, Inc.
State: GA

Complaint narrative:
Notice to whom it be of concern, It is YOU I hold accountable and accuse of complicity in exercise of malevolent did-compliance. I hereby mark you as likely one that I might one day view in civil discord as the " would be plaintiffs '', yet I declare to you your unjust claim is to be met with deliberate and determined resistance and counteraction. In is in clarity that your Claim of Non-Medical debt Collection is insufficient for collections much less reporting. You MUST DELETE this unjust injurious allegation because it is significantly deficient of the requisite certified reporting compliance ( such as perfect metro 2 format reporting ) and testimonial evidence of the PHYSICALY VERIFIABLE PROOF OF VALIDATION as related to the full truth, accuracy, completeness, timeliness, ownership, identity of true debtor, dates, balances, audits, calculations, source codes, creditor collection code, 426-chrc P6 statement and its associated trailing fragments, the minimal five portioned personal identifiers, the pay statuses, the required 386-pieces of confirmation to collection, and elsewise standard or mandatory for proper reporting, mentioned or not.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
My complaint is about a credit card I had with Chase Bank. 

I have had a credit card with then for a few years now, keeping it up to date and using it frequently. I was recently approved for 2 new chase credit cards, ( one was a Marriot Hotel card ), in addition to those two cards, Chase decided to give me a credit line increase on my current account. However, the day I activated my two new cards, I was immediately notified that ALL my accounts had been closed, including my old one. 

When I called the Chase representative, they were very cold and rude, treating me very unprofessionally, and just read off some list of reasons why my accounts were closed. They explained that the main reason for the closure appears to be because some of my store credit cards had been " closed by the issuer '', those accounts were closed because there had been no activity, so it appears on my credit report as such. I had no control over that situation. I did not use the cards, plain and simple. 

To make my credit situation worse, due to the fact that Chase approved me for 2 new cards and increased my current credit line, my credit score increased, however now that they have closed all the accounts my credit status will deteriorate. Which will cause other creditors to either lower my credit lines or close my accounts, because this will appear as a 'closed by issuer ''. 


I would like someone at a higher level to review my account and situation and reevaluate the closure.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 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: EOS Holdings, Inc.
State: NY

Complaint narrative:
EOS CCA, a third party collection agency, collecting on behalf of XXXX XXXX has falsely reported a balance on my credit report of {$160.00}. There was a previous balance of {$540.00} which was settled for {$420.00} and paid in full early XX/XX/2019 in order to secure affordable rates for refinancing of my vehicle and a suitable interest rate for pre-approval of a home mortgage. I reported the information as false with the credit bureau and I believe the company continued to show the negative balance on my credit report hoping I would call back in desperation to remove it. This has affected me as it has given me unfavorable rates for refinancing and securing other financing as my credit score was tremendously impacted.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Santander Consumer USA Holdings Inc.
State: AL

Complaint narrative:
07 XXXX XXXX XXXX Purchased : XX/XX/XXXX Financed : {$15000.00} Original lender : XXXX XXXX XXXX XXXX ( XXXX ) Int. Rate : 24.99 % Term : 72 months Pmt : {$430.00} Military orders sent in & applied to the account in XX/XX/XXXX. 
Int. reduced to 6 % & pmts dropped to {$280.00}. 
-- -Loan sold to Santander around XX/XX/XXXX. 
*closing balance with XXXX was {$13000.00} *1st statement from Santander showed the balance was {$14000.00}. 
-- orders were only valid for one year. XXXX nor Santander ever adjusted the loan int/pmt back to the original amount. 

This loan was supposed to pay off in XX/XX/XXXX. Balance was still showing on the statements as {$13000.00}. When requested about it in writing, Santander sent over a " loan revision '' to reduce the balance and pmts, stretching the contract another 2 years ... paying a total of 4 years past the maturity date. 

Loan revision matured XX/XX/XXXX. I wrote them again in XX/XX/XXXX, demanding my title and a refund of what I've overpaid them ( at that time, I had overpaid according to the " loan revision '' by {$1900.00} ). They responded by still demanding payments, and attempting to repo 4 times. Since XX/XX/XXXX, there have been an additional {$2100.00} in payments, bringing the total overpayment to {$4100.00} ( since the revision ).

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I submitted a claim with Wells Fargo on XX/XX/XXXX about a scam/fraud I was victim of which utilized XXXX - I paid {$500.00} as a security deposit for a rental property another individual claimed to be the owner of and listed the property 's address and " deposit '' in the transaction description. It turned out this person was not the owner of the property and created a fraudulent lease which I signed. 

I had a fine experience submitting the claim and was told I would hear back from them within 10 days. On XX/XX/XXXX I called again referencing my claim number stating I had not heard back. I can confidently say this was the worst customer service experience of my life. The representative I spoke with repeatedly told me how I was wrong and essentially blamed me for not understanding what was going on. She expressed zero empathy for my situation and gave me no indication that she wanted to help me resolve my problem. She belittle the fraud that I was a victim of and pointed out how it was solely my fault for not reading the " big red letters '' as a part of their user agreement. I just stated that since this application had the banking information of the other party, I hoped they could help me in tracking that down. I had a police report filed and I would like them to assist. She told me that Wells Fargo is not reliable and that she couldn't even tell if I was really scammed or not. After being repeatedly cut off and her raising her voice, I raised my voice back and said I want to speak to a supervisor. She threatened to hang up the phone on me and said she couldn't connect me to a supervisor, even though it was roughly XXXX XXXX XXXX, where Wells Fargo is headquartered. I was directed to her supervisor 's voice mail and shared my thoughts there. 

It was truly humiliating working with someone with such disregard for an unfortunate circumstance. Wells Fargo has in my opinion made no attempt to help me find the person responsible and get my {$500.00} back. Ironically, I'm currently in the process of getting a mortgage on a new home with Wells Fargo and have had a great experience with the bank until now.. But, I'll have to reconsider that after this encounter.

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 2019-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Well Fargo Bank keeps ripping me off. 

I am writing you in regarding of a check/I wrote from my XXXX program from my computer to Mr. XXXX XXXX on XX/XX/XXXX for {$130.00}. I have been using XXXX for 25 years and I have been with Wells Fargo Bank for over 30 years. This check for {$130.00} has NOT been cashed and this uncashed check is in my possession now. I advised Wells Fargo Bank that this check was uncashed and Wells Fargo Bank should put the {$130.00} back in my account. 

Wells Fargo Bank mailed me a letter dated XX/XX/XXXX stating that Wells Fargo Bank was not going to refund my money back to me and I should contact XXXX. 

This is not a XXXX problem. This is not right what Wells Fargo Bank is doing. Wells Fargo Bank have my money NOT XXXX, XXXX do not have my money. This letter from Wells Fargo Bank is enclosed. 

This IS NOT the first time this happened. The 3 other times this happened I was NOT able to get my money refunded back to me because of the inadequate investigation of Wells Fargo Bank. ALL my checks or downloaded DIRECTLY to my XXXX program on my computer from Wells Fargo Bank Website. It is virtually no way I can make a mistake. I balance my checking account just about every night. It is very shocking to wake up the next morning to see your checking account is not balance. 

Wells Fargo Bank has ripped me off in the pass for {$1800.00} about 2-5 years ago different account, XX/XX/XXXX for {$100.00} and {$50.00}. I filed a complaint with Wells Fargo Bank, no refund was issued, and now XXXX for {$130.00}. I filed a written reported/complaint with Wells Fargo Bank but no one with Wells Fargo Bank seems to have the expertise to fix the problem. Wells Fargo Bank kept transferring me to different departments when I called them.. Wells Fargo Bank fraud department called me XX/XX/XXXX and I had to explain to them this was not fraud case. 
I believe when Wells Fargo Bank mails out paper checks from my XXXX program ( not electronically transferred ) to a person, Wells Fargo Bank take the money out of my checking account BEFORE the check is presented to the bank. If the check is lost or not presented to the bank the money is already subtracted from the bank account. I believe this is what is happening in my cases. This is not right. I am a Senior Citizen XXXX years old and I need all my money to pay bills. Wells Fargo Bank have taking money out of my checking account and post the check before the checks get to the bank. If the checks do not get cashed Wells Fargo Bank do not care. This is not right what Wells Fargo Bank is doing. 


XXXX XXXX XXXX XXXX XXXX XXXX, CA 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 explanation