vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: MARINER FINANCE, LLC
State: MD

Complaint narrative:
Mariner Finance , LLC emailed me on Saturday, XX/XX/XXXX, stating that I had provided them with my personal information and that they would like to proceed with a personal loan application. Additionally, Mariner left me a voice mail today, XX/XX/XXXX, stating the same thing. I never contacted them or in any way provided them with my personal information pursuant to a loan. Following this phone call from Mariner, I returned the call and was directed to voice mail, where I left a message requesting them to cease and desist. It should be noted that I filed a XXXX  XXXX bankruptcy in XXXXXXXX XXXX that included a loan from Mariner. The bankruptcy was discharged in XXXX of that year. Mariner is a predatory loan company that is harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I applyed for a credit card at XXXX XXXX which i have never recived, and i think somesody is using it. Screwing all my credit. What i think is that they sent it to a wtong address.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
On XXXX I called Wells Fargo as they did not call me back within the XXXX hours as promised. I got to an executive where I clearly explained to him I will be following up with the CFPB about this issue. I was promptly hung up on. I have not received an email or a phone call back.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: PA

Complaint narrative:
On XX/XX/XXXX, Portfolio Recovery Associates, XXXX, sent me a notice of an alleged collection account from XXXX XXXX XXXX in the amount of {$470.00}, by mail. This is a fraudulent account. 

I responded on XX/XX/XXXX, to Portfolio Recovery Associates, XXXX, by certified mail, with a debt validation letter- disputing the validity of this account, and a cease and desist with specified remedies- outlining the 30 days period to respond as required by law. 

On XX/XX/XXXX, Portfolio Recovery Associates, XXXX, responded to me through the mail that an alleged account was sold to them, in my name, on XX/XX/XXXX. The response failed to address my demand for documentation proving this alleged account is mine and failed to honor my cease and desist. This account presents defamation of character and derogatory remarks on my consumer credit reports and hinders me from operating freely as a consumer, in commerce.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
Beyond devastated today Ive just received my eviction notice all due to Bank of America holding my money for there mistakes I have verified my identity there was unauthorized transactions Ive not gotten temporary credit Ive got a letter explaining that they would credit me as this goes under investigation I called to speak to a supervisor the supervisor has no knowledge of a letter so I faxed it over to her dated that Im supposed to be havjng temporary credit and I havent she then says my claim wasnt opened then she says shes gjnna file it then she says oh it is open and then I ask about if theres a reason why my card is blue she then had no knowledge as I was trying to make sure Im using the right card this is ridiculous I have police reports I have pictures of my place being badslkzed and door broken down and confirmation of a shaker from being charged for using my card from the police department and the detective Information and still isnt enough at this point idk what itll take its been about 4 months now me trying and trying to get my money from my account today I received eviction papers due to not paying rent because of all the confusion Bank of America has been giving me the calls are recorded pls listen to the recordings so you guys can see all the false informtation yoi guys have gave me and after verifying my identity still say that XXXX is a female on my file its been noted on a complaint on why they keep saying that and then they say Im expecting a deposit when the date comes nothinf tbere I recorded a letter saying its been credited and I received my statement on to where it says I would be credited temporary within 10 bussiness days and its been more than a month I then called Bank of America and she said that sometimes systems make mistakes as I explained these are people that leave money on yoi guys accounts theres no room for mistakes. People are supposed to trust there money bussiness in that way is beyond me this needs to be resolved immediately Ive have all the evidence and prove even worst is I was in Arizona when someone stoled my money that came from California, Ive now gotten in Que with XXXX XXXX news and Ive emailed them so my story gets heard and I know theres a lot more people in my situation so that something gets done .Ive included police report pictures of my place broken into where my infromtwtion was stolen Ive included the letter that I would be temporary credited and nothing I have gotten nothing idk what else needs to be done .hoping that this gets resolved before a media coverage where I can get more people involved that r in my situation all I want is what belongs to me and a bank that is trustworthy

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Experian Information Solutions Inc.
State: DE

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: KS

Complaint narrative:
Please i need someone to help me here. I sent out my first dispute letter to TransUnion XX/XX/2021 and again every single month up to XXXX and to this day i have never received any information on the investigation status, deletion status or even verified. There are 2 inaccurate accounts on my TransUnion report and they are listed bellow yet TransUnion or The companies have yet to verify these accounts. I am completely in the dark and it has been well over 30 days. 120 days to be exact and this is really stressing me out. They are reporting unverified inaccurate information and it is really hurting my credit score. How can i get them to remove the unverified information from my report? This is crazy how they can just drag me through the mud like this. They are in violation of 15 united states code 1681 ( a ) and at this point i think it's deliberate bc i have asked them to investigate over 4 times and still nothing

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I am the victim of wire fraud as a result of business email compromise on the part of a window contractor ( XXXX XXXX XXXX ; XXXX XXXX, CA ) who was ordering new windows for my house remodel. The funds were wired according to instructions that were coming directly from the company owner 's correct email address. This occurred on XX/XX/2021 for a total amount of {$25000.00}. As soon as the fraud was discovered on XX/XX/2021, I initiated a wire fraud complaint and recall through the issuing bank, Citibank. I reached out to their Executive department and received a notice stating that they were unable to connect with the beneficiary bank ( XXXX ) after over one month of supposedly trying. I also filed a complaint with local law enforcement and completed the FBI IC3 complaint form online. I have also filed a complaint with the XXXX. In an effort to be proactive, I did reach out to XXXX Bank who was apparently merging with XXXX on the date of the transaction, which complicated matters further.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
You have listed incorrect accounts that should not be reflecting on my credit report at all. Not only is this really unfair for me, but also very troublesome, as I have never committed or made any of the things you're claiming I did. Investigate these accounts or I will see to it that I will pursue legal actions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CLGF Holdco 1, LLC
State: GA

Complaint narrative:
On XX/XX/2021, I realized that two duplicate payments of {$370.00} is showing on my Transaction billing and payment history for my Indigo Genesis FS Card Services account. Please see attached :

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, a debt collection was opened against me by a company called " Commonwealth Financial ''. I have researched the company and could not find an email, address, phone number, or license number that enables them to collect debt in the state of Texas. On XX/XX/2021 I contacted the secretary of state for Texas to validate this entity. Per the documents I was sent by the SOS, it appears that this entity is not valid. Please see the attachment. I have reasons to believe this is a scam. 

Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
I, consumer XXXX XXXX send XXXX XXXX XXXX a cease and desist letter on XX/XX/2021 via certified mail with return receipt with the following tracking number XXXX. The letter was sent to Credit Collection Services to stop the actual infringement of my intellectual property rights and federally protected rights pursuant to FDCPA. The letter also stated my remedies and demanding that the activity stop. I entered into a consumer credit transaction with XXXX XXXX. XXXX sent a statement to Credit Collection Services, a XXXX XXXX debt collector, a collection agency, to illegally collect an alleged debt. I consumer XXXX XXXX did not enter into a contract with Credit Collection Services, therefore I do not owe this alleged debt. On XX/XX/2021, when Credit Collection Services contacted me without my permission, I demanded they send me a debt validation letter pursuant to 15USC1692g ( a ). Credit Collection Services failed to send a letter pursuant to 15USC1692g ( a ), thus preventing me from being able to exercise my rights to validate this alleged debt. They instead sent me a last statement and a letter with abusive language.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: EQUIFAX, INC.
State: NY

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown thing on my credit report to this day over 45 days Later I have not received a response yet. I feel like I'm being taken advantages of and being ignored. Section 611 ( a ), states that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it's been 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately as mandated by law, accounts reported on my credit profile should be 100 % accurate and verified. As by FCRA requires agencies to remove most negative credit information if it is inaccurate, unverifiable, invalidated, and incorrect

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: JPMORGAN CHASE & CO.
State: AR

Complaint narrative:
Chase got the depositors info a s id and still won't release my money

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Designed Receivable Solutions, Inc.
State: CA

Complaint narrative:
On or about XX/XX/XXXX, I wrote a debt validation letter to the company, Designed Receivable Solutions. On XX/XX/XXXX, they sent me a letter to validate the debt with a copy of my medical records. This is a clear illegal violation of my XXXX rights. I am motivated to sue them at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On Saturday XX/XX/XXXX I went to XXXX XXXX XXXX in XXXX XXXX, AZ because they wanted to purchase the truck back that I bought from them last year, XX/XX/XXXX. They made me initial a green piece of paper for them to do an estimate/inspection on my vehicle. After they inspected the vehicle they said they would only be able to do a trade in on a new purchase. I never gave them permission to run my credit report. I did look at the dealership at the available cars but I did not like anything. I was not there to purchase a new vehicle, I was there because they wanted to buy the truck back. I called them today XX/XX/XXXX and asked them to remove it and they would get back to me. The salesman called my husband later today ( XX/XX/XXXX ) in an effort to sell him a new truck. My husband brought out that they ran my credit without my consent and he replied that he was under the impression that I gave consent and signed a form to that effect. My husband asked him to send a copy of the form via email but they have yet to produce any signed consent form.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2021, I submitted a Mortgage Assistance Application to Wells Fargo XXXX XXXX looking for modification of my loan. On Friday, XX/XX/2021, I received a letter from Wells telling me of the only option they were offering. It is a short sale of my property! 
I called and spoke with the agent who answered the phone for the person designated- XXXX XXXX XXXX. XXXX answered her line this morning. 
I have made payments on this line for many years, since the line matured. It's a {$370.00} monthly payment of which {$300.00} goes to interest. This means they have received tens of thousands of dollars on this loan with only about {$3000.00} going toward the principal. 
Please note, Wells is participating in a federal program here in California via XXXX or the XXXX XXXX XXXX. It's the XXXX XXXX XXXX  XXXX. They are receiving millions to bring their first mortgage customers in arrears current on their mortgages. 
This is one of the reasons their offer to me is so galling. Also during the Obama administration they delayed assistance I requested until the program ended, denying me the loan forgiveness I requested and should have received. 
Let me know if more information is needed. Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-20 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: WA

Complaint narrative:
In XX/XX/2021 I received a letter in the mail from Linebarger Goggan Blair & Sampson LLP - Attorney at Law - that was a " Notice of Delinquent Court Fines '' Stating I had a stoplight violation that received court fines that totaled over {$200.00}. I found this odd since I know that I would have received some sort of notice about the violation first before it going to court. In XXXX, I paid the invoice thinking I must have missed the original notice. Then in XXXX, I saw on a reporting website this same exact letter that this is a scam going around. I contacted my banking institution and am disputing the charge.

Company response to consumer: Closed with explanation