vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-09 00:00:00
Product: Credit 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I have purchased a XXXX pro on XX/XX/2021 which Ive requested to return on XX/XX/2021 in compliance with XXXX return policy. 
For me to be able to return it, XXXX issued me a XXXX prepaid return label with a tracking number : XXXX. XXXX attaching the return label that was issue to me as well. Unfortunately, over 120 days since the delivery have passed, so you wont be able to see the tracking anymore. 
Over the following month, I regularly chatted with XXXX to enquire about the status of my return. They always confirmed that according to their records, this showed as delivered to the warehouse and I just needed to wait for it to be processed. 
Towards end of the month o XX/XX/2021, my account was banned allegedly due to too many returns. After banning my account, XXXX never refunded me for my returned XXXX ( and the object on this dispute ). I was unable to contact XXXX by phone or chat to talk about this issue. Their representatives told me that the only way to talk about this issue would be through email. Attached is an example of an email Ive sent that I was never answered to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is fraud!

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 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Greetings, On XX/XX/XXXX, Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( Experian, XXXX, and XXXX ) will need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. By Law, The FCRA requires the national credit bureaus to complete dispute investigations within 30 to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. XXXX, XXXX and Experian does it time and time again! The XXXX major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. XXXX let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and XXXX hurt! In XXXX, it paid {$3.00} XXXX in restitution to harmed consumers, along with a {$2.00} XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, XXXX settled with the Federal Trade Commission, the CFPB and states for up to {$700.00} XXXX, to resolve allegations that it shared the information of XXXX XXXX consumers. With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the XXXX of XXXX, where there are several civil penalties that have occurred against myself and estate. Please see my XXXX letter attached.

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 2023-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XXXX XXXX XXXX I had some work done on my roof by XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX, I wrote and mailed a check from my Navy Federal Credit Union checking account to XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
On XXXX XXXX XXXX  I got an email from XXXX XXXX XXXX XXXX XXXX saying that they haven't received my payment. 
I checked online and the check had been cashed/deposited by someone named XXXX XXXX XXXX XXXX XXXX apparently someone who does not work for XXXX XXXX XXXX XXXX XXXX XXXX 
I immediately called Navy Federal Credit Union to see what I can do, and I was told that basically I was screwed. They weren't able to tell me anything about the transaction, only that I was out XXXX, and would need to write another check for the same amount to pay my bill. 
The phone rep told me that because there wasn't a stamp on the back of the check, that they didn't even know which institution my money was wired to.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AL

Complaint narrative:
A landlord who was never my landlord was running a scam business. I fell for the scam and paid an application fee via credit card. The landlord then broke multiple laws and I backed out before ever signing a lease. I tried to resolve it but they ghosted me, I eventually charged it back as fraud because the company did engage in fraud. Theyve since added on false amounts of money and fees never agreed to and sent it to various debt collectors, all have immediately dropped it when I told them what was going on except Columbia debt recovery. I was told they would drop it if submitted proof. So I did and asked for verification of debt. They ignored my proof, didnt address it at all and didnt drop it. Their debt verification also lacked things required by law and literally proved I didnt owe what they were asking for. On top of this theyve made half a dozen false statement. Tacked on illegal interest fees, never sent an actual letter, and so on and so on. I eventually demanded payment for there violations of the FDCPA and they have ghosted me and reported my account to credit bearues while still under dispute and without ever properly verifying the debt. Not to mention its literally a fraudulent debt to begin with.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay.

Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers.

Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am writing to express my deep dissatisfaction and frustration regarding the numerous unsuccessful attempts I have made to correct the issue of late opening of accounts. It has come to my attention that despite multiple efforts on my part, the problem persists, and I feel compelled to bring this matter to your attention for prompt resolution. 

I initiated the process to open an account with your institution. However, due to unforeseen circumstances, the account opening process was delayed, and I was assured that the matter would be rectified promptly. 

Subsequently, I made a follow-up call to your customer service to inquire about the status of my account opening. Despite providing the necessary information and completing all required steps, the issue persisted. 

I have made several attempts to correct the late opening of my account, seeking assistance from your customer service representatives. Unfortunately, each attempt has been met with assurances but no concrete resolution. 
I am disheartened by the lack of progress in resolving this matter. The delayed opening of my account is causing considerable inconvenience, affecting my financial planning and overall experience with your institution. 
Requested Actions : I urgently request the immediate activation of my account to ensure that I can access the services and benefits associated with it without further delay. 
Investigation I implore your team to conduct a thorough investigation into the root cause of the repeated delays in opening my account. Identifying and addressing the underlying issues is crucial to preventing similar problems for other customers. 
Communication I expect clear and timely communication regarding the steps being taken to expedite the account opening process and the expected timeline for resolution. 
Compensation Given the inconvenience and frustration caused by the delayed account opening, I request fair compensation for the time and effort expended in attempting to resolve this matter. 
I trust that you will treat this matter with the urgency and seriousness it deserves. As a prospective customer, my experience with the account opening process significantly influences my perception of your institution. I am asking for your assistance to correct these late open accounts in my credit file : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Greetings, On XXXX XXXX Ive received correspondence regarding my complaint regarding my consumer laws being violated, along with my credit report information being sold to third parties, expressing the bureaus/agencies ( XXXX, XXXX, and Equifax ) will need 60 days to respond with research or findings. Ive specifically given clear and concise instructions, just to receive this delayed reaction to resolution. By Law, The FCRA requires the national credit bureaus to complete dispute investigations within XXXX to 45 days, as follows : 30 days : Credit bureaus ( referred to in the FCRA as credit reporting companies ) must investigate and resolve disputes within 30 days of receiving them, not 60 days. XXXX, Equifax and XXXX does it time and time again! The three major credit bureaus topped the list of complaints submitted to the Consumer Financial Protection Bureau in XXXX, ( thats you guys ) amassing nearly twice as many as the year before. Equifax let alone, has settled with the CFPB twice in recent years over allegations it harmed consumers and Im hurt! In XXXX, it paid XXXX} XXXX in restitution to harmed consumers, along with a XXXX XXXX civil money penalty, for alleged violations of consumer financial protection laws. In more recent years, XXXX, Equifax settled with the Federal Trade Commission, the CFPB and states for up to XXXX XXXX, to resolve allegations that it shared the information of 147 million consumers. With this being said, I would really appreciate the requests to be honored lawfully, without having to escalate to the Court of Law, where there are several civil penalties that have occurred against myself and estate. Please see my 609 letter attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX, Ive received correspondence from Wells Fargo XXXX XXXX XXXX XXXX, expressing Account Origination and status. 

I am continuing to seeking resolution in this matter, by way of Good faith. please see attachments. 

XXXX 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 2023-12-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Didn't provide services promised — 
Company: Collection Management Holdings, LLC
State: GA

Complaint narrative:
On XXXX XXXX, I logged into my XXXX and XXXX accounts to view my credit report online. However, I noticed that the Credit Management Company LLC was still reporting an open collection medical debt that was past due for {$930.00}. 

On XXXX XXXX at XXXX XXXX, I spoke with XXXX XXXX XXXX the manager of Credit Management Company XXXX regarding a medical bill that was placed in collections and reported to the XXXX major credit bureaus. XXXX XXXX offered me a settlement amount of {$370.00} and assured me that the collection would be removed from my credit report if I agreed to make the payment by XX/XX/XXXX. The payment was successfully processed on that day.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Wells Fargo XXXX, Ga branch manager provided me with a snapshot of deposits and copies of 2 checks that they stated checks were deposited into my account by estranged husband that were not deposited into my account. The snapshot provided does not reflect online statements and printed statements and changed 3 times in a matter of 4 hours. I have 6 audio recording of Wells Fargo and XXXX XXXX XXXX  representees confirming one check was a counter check my estranged husband wrote to himself and withdrew the money and later wrote my name to make it appear it was written to me and all reps confirmed it was written to himself. XXXX XXXX, Ohio Branch manager confirmed the money never left his account despite Wells Fargo providing a copy of check The 2nd check both banks customer service reps can be heard on audio confirming the cashier 's check was not a XXXX XXXX XXXX  check and was a fraudulent check made to appear to be written to me. Please see audios. and copies of checks. 2 congress members have been sent audios and copies of checks. 2 state attorney offices are in possession of all audios and copies of checks. A law office in Ohio is following up with filing a civil suit. 

Wells Fargo provided me with a copy of an IRS economic rebate check that my husband received and I did not. The IRS confirmed on audio and by tax transcript that I did not receive the check. The copy of the check provided to me was a bogus/altered check despite Wells Fargo supplying me with an altered statement and later sending me a letter confirming the transaction could not be found. Another attempt to manipulate my statements. XXXX XXXX office has been contacted. 

Wells Fargo supplied a copy of a withdrawal slip that was altered and was for the previous year 's withdrawal. An employee altered the dates on the withdrawal slip. 

These audios are bank reps confirming the fraud. 



XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions 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 for 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 explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, 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 for but they're reporting me as late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-09 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I purchased a set of mugs on the platform XXXX. The mugs arrived with defects and I requested the vendor to allow me to return the mugs for a refund. The vendor never answered back and enabled me to return the merchandise. 

Opened a dispute with Amex, which informed me that the vendor had provided info stating that they give me the option to return ( which was not true ). Amex sided with the vendor. When I tried to reopen dispute with Amex, Amex told me that the dispute was too old and because of that, they couldn't reconsider it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-09 00:00:00
Product: Credit 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX I returned a set of items to XXXX XXXX XXXX using the XXXX label provided by them. Fedex label with tracking number XXXX. 

Tracking shows that merchandise was sucessfully returned on XX/XX/XXXX. Despite me following exactly the steps requested by the merchant, merchant refuses to refund me for merchandise. Amex is also not supporting me despite all the information I've provided.

Company response to consumer: Closed with explanation