vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Unexpected or other fees — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have 2 other complaints that have not been worked on... bank of america is not fixing the issue correctly... I AM HOMELESS AND IT IS WINTER TIME. IM VERY COLD.. PLEASE RETURN MY FUNDS... 

Back in XXXX of XXXX my truck was broken into and my gov I.D Social Security card, Birth cirtificate, debit card, plus clothing, medications ect, was stolen.. i was homeless at the time and still am today. So many bad things were already going on in my life that filing for identity theft wasnt gon na help, who ever stole my debit card kept it and took total of XXXX out of my account in XX/XX/XXXX of XXXX ... whoever broke into my car knew i had a pending claim previously awaiting to be credited, they had ALL MY INFO and there was nothing i could do ... when i call to do a check up on my claim from XXXX they say it was credited, but i saw no fund .... thats when i reported the crime to bank of america in XX/XX/XXXX in a timely matter. I was unaware of the funds being tampered with i then proceeded to filing to for indentity theft because i didnt want anything else being messed with .... it is now XX/XX/XXXX and i have been fighting every day too get my claim resolved properly... i gave police reports, sheriffs contact info.. written statements and bank of america has been unprofessional and lack the care too help me resolve my issue... bank of america is treating me as a criminal. I filed a claim with CFPB back in XX/XX/XXXX, bank of america has not given a final response. My issue is not being handled .... i feel discriminated against. Bank of america fix this issue and return my funds.

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 2022-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
- FAILURE TO LEGALLY VERIFY - WILLFUL NEGLIGENCE I have contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, and XXXX. 

They have failed to delete information on my credit report resulting in reputable damages from identity theft, which was proven by myself in accordance to the law. 

This company has failed on multiple occasions in the past 10 months to comply to the laws. They have failed to investigate my dispute properly, FAILED TO RESPOND to my disputes, failed to prove investigations, failed TO PROVE OWNERSHIP, failed to legally verify and prove willful negligence. 

I, XXXX XXXX XXXX, have gathered all this information for litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In noting in a web based news story released today regarding Wells Fargo reaching a {$3.00} XXXX settlement with federal regulators, XXXX XXXX, Wells Fargo foreclosed on a home they purchased from the original financer. To the best of my recollection, we fell behind in payments, but were not offered an opportunity to negotiate any pay options. 

We simply received a letter that our home was to be auctioned and gave us 30 days to be gone from the home. There were no other means of communications with us other than the letter. They were rude with us over the phone when we did contact them, they stated the only option we had was to pay the owed balance in full which we could not afford to do.. 

I no longer have this correspondence, and admittedly do not recall precise reason ( s ) on how or why we fell behind, or if we attempted to reach out to Wells Fargo for assistance prior to receiving the final notice. But today 's report states, " It mistreated millions of customers, causing some to lose their cars or homes ''. We believe we may be qualified to at least be considered in any disbursements for their wrongdoing and lack of professionalism in partnering with a customer to resolve the circumstances we were in at the time. 

Any assistance in contacting Wells Fargo on our behalf, and I will also attempt to contact them directly to ensure our circumstances are made known, and if our circumstances can be considered under the protocols of this decision based on their potential mismanagement of our account which seem to mirror the dialog of the report. At this time, we do not have any paperwork or documentation after a few moves in a XXXX time period but will attempt to locate any documents we may have relative to this request. 

Thank you for any assistance that can be offered. 


XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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: BARCLAYS BANK DELAWARE
State: IA

Complaint narrative:
I've been having problems with Barclays concerning my AAdvantage Mastercard. I have not used this card for any purchases since XX/XX/2021 since XXXX XXXX has quit servicing XXXX XXXX and there has been fraud activity reported on the account. Barclays did charge me {$99.00} annual fee in XX/XX/2021 which I paid. Barclays sent 19 letters on XXXX XXXX informing me that certain restrictions were being placed on my account ending in XXXX. Also I received a letter from Barclays on the same date thanking me for requesting an increase in my credit line on account ending in XXXX and raising it to {$22000.00} effective immediately. The credit card that I had at that time ended in XXXX. I never had a card ending in XXXX. Barclays told me that the account ending in XXXX would be cancelled and I would be issued a new card ending in XXXX. They asked if I needed the card in a hurry and I said no, that I wouldn't be using it anyway. They sent the new card regular mail and charged {$15.00} for expedited service. On XX/XX/XXXX Barclays sent 9 letters again informing that restrictions would be placed on the account ending in XXXX.Then on XX/XX/XXXX I received a letter that XXXX account was being closed due to suspicious activity. At that time I called and told them not to send anymore cards but I wanted to keep the account open so I wouldn't loose the ability to access my data until this fiasco was over. Now they have charged me a {$99.00} annual fee on an account ending in XXXX. Way back in XXXX this case was issued a Barclays Case number XXXX and I was told by XXXXXXXX XXXX that someone from Barclays would be contacting me to resolve the issue within two days. No one called so I called and was put in contact with someone in the fraud department. After a long conversation I was told either by someone in fraud or customer service that the matter would be resolved and that I would be reimbursed for {$15.00} charge for expedited service and the annual fee charged in XXXX XXXX but neither has happened. I've had numerous conversations on the phone about the situation and each time I felt the problem was resolved but it hasn't. I now see how old people are being ripped off each and every day by people like this. I've been inundated with meaningless correspondence red tape just to get a very simple problem taken care of.

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 2022-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Client Services, Inc.
State: NY

Complaint narrative:
XX/XX/2022 XXXX XXXX  Phone Call I have been repeatedly called by this number ( XXXX ) XXXX at this time during my work hours. They have not asked what time is an appropriate time to call me and have repeatedly called me three times while I'm at work from XXXX XXXX  to XXXX XXXX. According to 15 U.S.C, 1692 ( d ) debt collectors are not to repeatedly call with the intent to annoy or harass any person at the called number. I feel as if I am being harassed since I do not receive phone calls outside of that time period or me being at work

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MI

Complaint narrative:
Wells Fargo allowed my 401k to be stolen from both my accounts. 
They refuse to provide me with my {$53000.00} $ XXXX The XXXX  XXXX XXXX have investigated the crime and found the perps I still have not gotten this resolved yet!! 
PLEASE help.. 
XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Mi 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 2022-12-20 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Starting in XXXX when I became aware that my name was placed on my mother 's home by Wells Fargo I've tried every avenue I could think of. In XXXX, I stating with the XXXX of XXXX 's home retention program, they didn't know how to handle my case because I wasn't listed on the deed. I filed a complaint with the State Attorney General 's Office and they forwarded my complaint to this office. I then filed a complaint with the city of District Attorney 's Office of XXXX and they had me file a police report, just to find out no local courts to adjudicate Federally Chartered Banks. To stop the foreclosure process while still trying to figure out how my name got on the mortgage I filed a XXXX XXXX XXXX  because I believed by that being Federal at the creditors meeting Wells Fargo would have to explain how they were legally allowed to place my name on a property I don't own. XX/XX/XXXX, the property was sold at Sheriff 's sale for {$150000.00}.

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 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: ACIMA CREDIT, LLC
State: CT

Complaint narrative:
On XX/XX/XXXX, I was approved for lease loan in amount of around {$2500.00} with Acima. A lease agreement was signed for a purchase with XXXX XXXX XXXX, however, order was then canceled as I decided not to proceed with purchase.. On XX/XX/XXXX, I attempted to make a purchase at XXXX 's XXXX, was declined.. It appears the prior purchase may or may not have something to do with decline, the order might still show in process and or merchant has not canceled on their end... I attempted to clarify situation by speaking with Acima rep, was told no information regarding decline ... There appears to be a technical issue which Acima reps refuse to address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XXXX an amount of {$1300.00} and on XXXX and amount of {$1300.00} were deducted and transferred from my DEBIT account to XXXX accounts whom I have never sent money to before nor do I know who these people are. I had initially filed a claim with my bank but nothing had happened they said it was a lost case due to it being under XXXX. I had left the country and now I'm back and I still need to get these funds back. I thought this issue would be resolved. I have no idea how these funds were transferred to these people I tried contacting them but nobody answered me. I hope it wasn't a link I pressed or anything because I had never lost my phone or gave anyone my phone to use so I have no words to how this could have happened. 

The XXXX  transfer confirmation XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
Both of my parents died in XXXX. They were Citibank customers for decades and had XXXX checking accounts and a savings account at the time of their deaths. I called the bank and was forwarded to the estates department where I was told what papers to submit to be able to close the accounts and collect the remaining funds. 
Closing the checking accounts was not an issue but, 4 months after submitting my paperwork, the savings account is still open and I havent been able to collect the money held in it. 
I sent the first package containing the death certificates, proof of executorship, etc. in XXXX ( XXXX ) via certified mail. It was received on XX/XX/XXXX and I have the return receipt to prove it. After hearing nothing for XXXX weeks, I called and was told the packet was lost and Id have to submit it again. The second time I faxed it and was told the information had been entered into the system by XX/XX/XXXX and it would take XXXX weeks to receive a check. Its been almost XXXX weeks and no check has arrived. 
This is maddening! I have no complaint against the representatives who answer the phone. The problem is structural. The phone reps are polite but powerless to do anything. They keep saying the back office is behind and they dont know when the check will be written. Asking to speak to a supervisor or someone from the back office gets me nowhere. Apparently, they dont talk directly to the public.

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 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Rent Recovery Solutions
State: TX

Complaint narrative:
I contacted XXXX XXXX  in XXXX to lease an apartment. I paid a deposit and decided after walking the property that it was inadequate. I asked XXXX to return half of the deposit which I was owed by law. They refused so I filed a dispute with my credit card company ( XXXX XXXX ). 

Eventually they return my deposit, and a check was cut from their billing company from XXXX XXXX XXXX XXXX XXXX. in the amount of {$200.00}. I cashed this check with my bank and then called my credit card company to release the funds, in full, back to XXXX. 

This dispute has been resolved ; however, I received a call from Rent Recovery Solutions stating that XXXX did not receive payment from my credit card company. 

I asked the rep to verify the debt and did not receive a debt verification letter. The representative told me she did not receive my paperwork that showed copies of the correspondence from my credit card company, bank, and a copy of the check XXXX sent to me which I cashed. I sent the paperwork via XXXX  with a signature required. It shows as signed and delivered. 

Previously, before dealing with Rent Recovery Solutions, I dealt with XXXX 's billing company for 4 months ( XXXX - XX/XX/2022 ), with endless calls asking for payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: DC

Complaint narrative:
I received a notice from Aargon in the mail. made contact with Aargon and informed them that I didnt owe the amount requested because I paid them off, in a deal they offered, back in XXXX repeatedly advised that I did not owe the money & that a mistake has been made somewhere. The representative advised that the matter would need to be settled with the hospital and asked to have the hospital contact them. He didnt even try to assist me. Shortly after that day, the same representative called me asking for a card number to pay the debt. I declined and reminded him that we were waiting on the hospital to rectify the situation with them. I even sacrificed and made a payment on the account to try and provide security to the account and show that its active but were waiting. IMMEDIATELY after, the representative reported me to the credit agencies.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Problem with personal statement of dispute
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
Please see attached documents for detailed account of my dispute with Wells Fargo, regarding my personal loan. Wells Fargo advised I had paid off this loan, closed the account and removed it off my online banking. Two months later I found out something happened to the payoff check and WF reopened the account. WF reported to XXXX that I was delinquent on payments.I received no explanation from WF.

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 2022-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Peter Roberts & Associates, Inc.
State: DC

Complaint narrative:
This is a follow up to Complaint : XXXX. As I have previously told XXXX ( multiple times ), I did not have XXXX XXXX and that information was never submitted or given to XXXX, thus I have no idea why they continue to try and submit a claim to them. I gave them the correct information for my health insurance at the time of XXXX XXXX XXXX of Rhode Island, as well as the images of for my health insurance. The creditor continues to incorrectly file with my insurance and is getting precariously close to having a formal complaint lodged with the Attorney General and the Department of Public Health.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late.

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 2022-12-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
Today, XX/XX/2022, I spoke with XXXX in Consumer Relations and XXXX XXXX of the Fraud Dept at Transunion regarding hard inquiries on my Transunion Report. I do not have credit from any of the three lenders ; XXXX XXXX ; XXXX and XXXX XXXX XXXX. 
The first person I encountered when I called was a woman named XXXX. When I told her my situation she initially refused to transfer me to the Fraud Dept and said it would take three days for someone to call me back. After demanding I speak with someone from the Fraud Dept she finally gave me a file number # XXXX and passed me through to Fraud. There my problems only increased as the next Rep, XXXX XXXX repeatedly said they could not investigate hard inquiries and that I must send a letter of authorization stating I wanted the inquiries deleted. I told him I've sent at least three letters and the items have not been deleted. I then informed him that according to the FCRA Transunion 623 - 15 U.S.C. 1681s-2 The Bureau, shall be required to investigate a dispute concerning the accuracy of the information contained in my report based on my direct request. However, he stated Transunion does not investigate disputes. He then went on to reiterate I must send a letter - which I already did, 3x - stating I wanted the items deleted.

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