vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-21 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: ID

Complaint narrative:
Wells Fargo has sent me a carbon-copy response on why they will not return funds from fraudulent transactions to my account. It is beyond frustrating how corrupt this institution is. Nearly 3 months into this situation and it has yet to be resolved. They have lied in their responses and when I've brought up countervailing evidence, they do not even address it. The executive office that is making this decision is filled with heartless, greedy individuals who want to take advantage of a young customer. I have done everything in my power to seek a resolution to this issue. They are a multi-billion-dollar organization with millions ensured to protect individuals in my situation, yet they still get so uptight over less than {$6000.00} of fraudulent transactions. They are in blatant violation of Regulation E, and I can not believe that they are being allowed to get away with this. I can not afford to take a hit this bad in these economic times. I am an honest worker who's recently paid off my student loans and needs these funds returned to my account immediately. Wells Fargo continues to ignore the law, tacitly admits it does not care about its customers ' wellbeing or safety and is performing a scam the likes of which I have never witnessed before. I am sending a letter to the Office of the Comptroller of the Currency head XXXX XXXX to explain that this institution is blatantly violating the law and their predatory practices on unsuspecting customers. This is outrageous and it is beyond the point of incompetence ; it is malicious. I am seeking the immediate return of the {$5700.00} that is rightfully mine back to my checking account. I will not stop until that is the final resolution. They can not be allowed to get away with this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: PA

Complaint narrative:
American Express allowed 2 prepaid credit cards to be opened with my name, SS and DOB, the address, email and cell phone were different. I have been an active member in good standing with AMEX since 1997. The person used the cards to open up fake companies and commit fraud. These were brought to my attention because I was brought into a lawsuit for over {$2.00} XXXX. These cards should have never been opened, this is fraud that is simple to detect and AMEX should have picked it up if they had simple compliance controls in place. AMEX never notified me the cards were opened, I am on the website several times a month, no activity ever showed up. It cost me over {$40000.00} in legal fees and I have asked AMEX to reimburse my expenses, they have offered me {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Goldcar Lending Inc.
State: AL

Complaint narrative:
spoke with XXXX at GoldCar Lending on XX/XX/XXXX. Advised to them that this is a debt that is over 6 years old and that I have been disputing that the debt is not mine and I have not received anything validating this debt since it was placed on my credit. XXXX said that they can not give me any information on the account until the account has been paid off also said that it doesnt matter how old the debt is they are going to keep trying to collect on it but yet I have not heard from anyone and on my credit report it says the date of the last action was XX/XX/2016. I have the right to have my debt validated and for them to show proof that this is my debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: FIRST CITIZENS BANCSHARES, INC.
State: GA

Complaint narrative:
On XXXX I mailed a check to a business entity 's Accounts Receivable lockbox. ( This check was mailed from the Post Office in XXXX, GA. ) The check was altered to an unknown individual and deposited via Mobile Remote Deposit on XXXX into an known account. It is very apparent from my First Citizens Bank 's online portal that the " Pay to the Order of '' and " Address '' have been altered. 
On XXXX I contacted my local bank 's branch and I was instructed to call their XXXX phone number. Upon calling the XXXX number I was given a dispute # and told that someone from the " Back Office '' would get back with me in 2 to 3 business days. As of XXXX I have called 2 other times ; I have not been able to speak to anyone in the " Back Office '' or the " Fraud Specialist '' handling my case. My issue has not been resolved in a timely manor, and my account has not been credited for the {$9400.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-21 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: IN

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX Account # 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2022-06-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have sent several letters to the credit bureaus to eliminate several errors from my history, to date, I have not received a minimal response from them

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/2017

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 2022-06-21 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
In accordance with the Fair Credit Reporting Act- XXXX XXXX Account # XXXX, Dept of ED/ XXXX Acct XXXX XXXX Dept of XXXX XXXX- Acct # XXXX XXXX XXXX XXXX- Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX- Acct # XXXX XXXX Acct- # XXXX XXXX Acct- # XXXX XXXX XXXX Acct # 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 604A. 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 non-monetary relief
Consumer complaint received 2022-06-21 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX Account # XXXX Date opened - XX/XX/20

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 2022-06-21 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated.

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 2022-06-21 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: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX / XXXX Account # XXXX Date opened - XX/XX/19

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 2022-06-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Credit Control, LLC
State: OH

Complaint narrative:
Credit Control , LLC fraudulently contracted with XXXX XXXX XXXX XXXX by purchasing a debt that has zero association with me, the consumer, XXXX XXXX. I have zero business whatsoever with Credit Control , LLC. Furthermore, the false reports are causing punitive damages to my credit report. XXXX XXXX is in violation of CFPB Consumer laws and is impersonating a creditor. Exhibit A is attached and is to referenced to reflect that violations incurred. I, the consumer XXXX XXXX, have been abused due to harassment and am seeking immediate results in the form of a removal altogether and compensation.

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 2022-06-21 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: IL

Complaint narrative:
N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/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 2022-06-21 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: IL

Complaint narrative:
N Accordance with the Fair Credit Reporting Act these following companies have violated my rights. 
15 U.S.C 1681 section 604 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. 

XXXX XXXX XXXX  Balance : {$7600.00} Original creditor : XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$120.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Balance : {$170.00} Original creditor : XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Balance : {$480.00} Date : XX/XX/XXXX XXXX XXXX Balance : {$0.00} Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX 2015

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I am the Trustee of the XXXX XXXX XXXX for XXXX XXXX. XXXX XXXX the original XXXX passed away XX/XX/XXXX. At the time of her passing her loan was being serviced by Bank of America. You will notice that a complaint was filed by her relative to BOFA in the past. Since her passing I have been trying to get BOFA to recognize me as the successor trustee and after 18 mos I am still not able to accomplish this. The servicing of the loan was transferred to XXXX XXXX approximately 6 mos ago. XXXX is now threatening foreclosure. 
I have been in the process of refinancing the property for the past 60 days and the lender is trying to get a rescission notice for a Notice of Sale that was recorded in XXXX while the borrower was in the process of modifying her loan. When the modification was completed BOFA apparently did not file the Notice. I have attempted to get a copy of the Notice from BOFA and XXXX to no avail. Please see letters 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 2022-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A.
State: IN

Complaint narrative:
My mortgage was acquired by flagstar in XXXX of 2018! My CDC disclosure states that my payment was for taxes, principal, mortgage insurance because of the fha loan, and my home owners insurance. My payment when purchasing the house was XXXX. I had a tree limb hit my roof causing a leak, so I called my insurance company and they told me I no longer had insurance with them due to non payment. So later on I gave them another insurance policy where they defaulted due to non payment from my escrow! They charged me the money that I was paying for, but when I got my next statement it put my payment to XXXX. So I paid that for 6 months after they told me it was fixed! And it wasnt they defaulted on my payments again. So I called and got another insurance company which was all state, and gave them the policy number. 6 months later they call me and say I defaulted again. Thats 3 companys in a year and a half. My mortgage then went to XXXX! They still have not fixed it and Im going into foreclosure process!

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 2022-06-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent several letters to the credit bureaus to eliminate several errors from my history, to date, I have not received a minimal response from them

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 2022-06-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several letters to the credit bureaus to eliminate several errors from my history, to date, I have not received a minimal response from them

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 2022-06-21 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Red Target LLC
State: CA

Complaint narrative:
Complaint against SCJ Commercial Financial Services XXXX XXXX XXXX XXXX, DE XXXX XXXX ) I wrote them a Do Not Contact Letter, and they continue to contact you 2 ) They claim to be a debt buyer but have not provided you a chain of title documents showing your original contract, their Bill of Sale , and a list of accounts purchased that includes your alleged account. 
3 ) Resolution : You want the issue to be resolved with them providing you this documentation, and in the event, the documents fail you want the CFPB to punish them and stop contacting you.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
XXXX XXXX I called Bank of America because I saw some transactions that was made in XXXX and I was in XXXX they looked into it Bank of America said Im in good standing with them. But when I tired to open and bank account it said I had some on my report saying 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 2022-06-21 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: Westcreek Financial
State: TX

Complaint narrative:
To whom it may concern, My name is XXXX XXXX and I am writing in regard to my credit report. I reviewed the report and I can tell that there's an error in it. I am paying on time as agreed. These reported late payments are inaccurate. This situation is affecting my credit status that leading to credit denials and higher interest rates. 

XXXX XXXX XXXX Account # XXXX Date opened - XX/XX/19

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-21 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: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
I mailed a check to Barclays to make a payment on my daughters credit card. The check was drawn on my XXXX XXXX investment account. The Check # XXXX was cashed by Barclays on XX/XX/2022 sequence number XXXX. The {$300.00} payment was never applied to her card # XXXX XXXX XXXX XXXX. My daughters name is XXXX XXXX she called Barclays and them emailed them information in mid XXXX. The responded back with an email that said the payment was applied on XX/XX/XXXX. That was a different payment also for {$300.00} that she sent because they notified her that the was delinquent. I as her father have called twice since on XX/XX/XXXX and again today XXXX as well as sent documentation of the cancelled, cleared check. I have been give multiple case numbers and spent hours on the phone trying to fix this for her, she is a XXXX year old college student. Today I was on the phone for 1hr and 13 minutes and talked to four different people, al to get a new case number XXXX. The original check was cashed by Barclays on XX/XX/2022, it has cleared my account but has never been credited against my daughters card. My name is XXXX XXXX and my contact number is XXXX. Please help! XXXX is trying to establish credit, and was enticed into applying for the card with the offer of american airline miles.

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