vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: AMERICAN EXPRESS COMPANY
State: WA

Complaint narrative:
I had started an Amex account a little over a year ago and decided to cancel the card before the yearly fee for renewal came due. I cancelled my card after both texting the online chat option that Amex offers as well as a quick phone call to confirm a question. When I did this I asked if there were any ramifications that I would run into and was told in both instances that there were no extra charges. 

Later I was notified that I had been charged a {$300.00} charge for canceling the account which was associated with an initial offer that the Amex card had offered after purchasing $ x, xxx amount with their card within the first few months. I was only notified of this charge was due right at the due-date. Upon seeing this I called into their customer service number to see if there was a way to avoid this fee and/or restart the account to just pay the yearly fee and avoid the higher fee. I was told that was not possible, but I could escalate the issue to a manager who would later call me back in a few days. 

I received several calls from a manager at times in the middle of the night or early morning ( well outside normal business or working hours ) and was left with no way to call them back other than call into their general customer service phone number and continue to play phone tag with their managers or someone who could answer the questions I had.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
My XXXX  XXXX charger got repossessed I was making payments n the amount wasnt goin down I call about it no one fix it n after I missed payments do to my amount wasnt goin down then they told me I had to pay the hold amount for the loan which was XXXX XXXX thats insane after my car got repo they said I can pay XXXX to get my car back n caught up to my miss payments

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
I have been been banking with Wells Fargo for almost 8 years, through these years I have had numerous bof problems with fea added to my account, money taken out for transactions made 2 days prior, etc. I have called several times throughout the years for money just disappearing out of my account. I have been a XXXX for 6 years and have done XXXX XXXXXXXX for almost 3, I have had more problems with Wells Fargo and added extra fees through my XXXX XXXX  experience more than ever. I just want to be compensated for the times I know for a FACT they have taken money out of my account for hidden fees and double charges that NEVER added up.

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 2023-01-24 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: AZ

Complaint narrative:
I was a member with XXXX XXXX and had two mortgages with them. Last year they sold our mortgages to our new provider Mr. Cooper, whom I have the issue with. Mr. Cooper has been charging me fees on my mortgage with no definition or purpose, and there is no way to see what the fee is for. When I reached out to Mr. Cooper last summer, they said there was one fee applied to my account for a payment I " missed '' in XXXX. I never missed a payment, but my payment got returned for non-sufficient funds which I promptly paid in full two days later when I returned home from a XXXX It was paid in full by the 8th, and no missed payment had ever been noted on my account. Looking into your definition for late fees, considering Mr. Cooper wasn't even the mortgage provider at the time, I do not believe they have the right to be charging me fees for this. Also, I will check my statement month by month to consistently see random undefined fees that I have no way of knowing what I am being charged for, where they are originating from, or why I am being penalized as I am an XXXXXXXX XXXX officer and am required to pay on-time all the time or I risk losing my clearance and my job. Mr. Cooper is a predatory service, and is taking advantage of us with no method of appeals.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: Bread Financial Holdings, Inc.
State: AZ

Complaint narrative:
XX/XX/2022 From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX Account # XXXX XXXX Phone : XXXX To : Dispute Department Hello, On XX/XX/XXXX Comenity Bank withdrew a full payment of {$9600.00} ( transaction ID XXXX ) from my XXXX  checking account. 
I called customer service and requested to return that payment because I didnt have intention to pay off in full at that time. 
In your system on XX/XX/XXXX you posted an ADJUSTMENT PAYMENT to my XXXX checking account in the amount of {$9600.00}, which was received by my Bank account on XX/XX/XXXX. 
On XX/XX/XXXX nd, my bank account have received unexpected REFUND from Comenity Bank on the amount of {$9500.00} ( PPD ID : XXXX ). This transaction was immediately REVERSED back to Comenity Bank. 
In the meantime in your system I can see a CREDIT REFUND in the amount of {$9500.00} posted on XX/XX/XXXX, but dont see the REVERSAL. 
Please see enclosed proof from XXXX XXXXXXXX that REVERSED transaction went through to Comenity Bank. 
Attached is a copy of my checking account to confirm the REVIRSAL of the CREDIT REFUND. 
Since accidental refund on XX/XX/XXXX was returned to Comenity Bank, my reminding balance was {$9600.00} which I paid off on XX/XX/XXXX. 
Payoff transaction is reflected on my checking account as well as on my account with Comenity Bank. 
Please solve this problem from your end. 
Thank you, Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-24 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: GA

Complaint narrative:
I asked the credit bureaus to do a verification for all items on my credit report, and they did. They stated that everything was accurate. 

I did thorough research myself & found no items removed & still found many inaccuracies on my credit report even after they did careful research. 

These are the ONLY personal information that should be reported on my credit report : Please update my address to : XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Georgia XXXX. Please update my name to : XXXX XXXX. 

I requested that all inaccuracies names and numbers listed below be removed immediately as they are inaccurate and put me in a situation that is unfair financially, and a disadvantage to the rest of the world

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 2023-01-24 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: NC

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate XXXX payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: FIRST NATIONAL BANK OF OMAHA
State: AR

Complaint narrative:
XXXX complaint against FNBO, now it's time to sue for damages, thus this is their thirty ( 30 ) notice of intent to sue as per Superior Court guidelines. 

Fact timeline : Went thru XXXX website to book a trip, promotion there was apply for XXXX XXXX rewards M/C and obtain XXXX miles bonus within XXXX billing cycles and pay a {$99.00} fee to obtain the card. I was approved card. 

Initial complaint was that I never received a M/C card after XXXX ( XXXX ) days, thus it's legally " unreasonable '' for FNBO to delay card XXXX. 

Called to complain, FNBO said they would cancel above card and mail me another one. 

In between I received the bill attached, with {$490.00} charge from XXXX and XXXX yearly fee. 

The address on the billing did not show my apartment number of # XXXX, thus I surmised that because of this I never received card # XXXX. 

I called FNBO and complained again, that they did not have my apartment number that XXXX had, thus we have negligence against FNBO and never will receive card # XXXX. 

FNBO cancelled that card and issued me another one with assurances card would be expedited ( card # XXXX ) Never received, thus we have damages to lawsuit. 

Negligence and fail to preform contract as provided for under third party ( XXXX ) Damages, {$99.00} fee for card never delivered. 
Damages to wit amounts to be approximate {$1200.00} for XXXX Guest reward points that I will never receive as can not purchase anymore XXXX XXXX as I do not have a valid card, in hand due to negligence by FNBO. 

Thus, will be suing for {$2500.00} which will be paralegal costs and amount to process the case as court of jurisdiction will be AR as contract was consummated here. 

XXXX XXXX XXXX Paralegal and Current Law XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX We also have discrimination case against XXXX which will be filed in another venue, against a XXXX protected class of person that is protected by law.

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 2023-01-24 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:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act 15USC 1681 & Fair Debt Collection Practices Act 15 U.S.C 1692 XXXX XXXX XXXX XXXX XXXX  Account number XXXX ... XXXX XXXX  Account number XXXX .... 
XXXX  XXXX  XXXX  Account number XXXX ... .XXXX  XXXX XXXX  Account number XXXX has violated my rights. 15USC 1681 section 602 A States I have the right to privacy. 15U>S>C 1681 section 604A Section 2. It also states a consumer reporting agency can not furnish a account without my written instructions 15 USC 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt known to be inconvenient Section 806 Section 5 Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the called number.

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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Johnson Mark LLC
State: TX

Complaint narrative:
I received a Default Judgment/Cause No. XXXX ( original case number XXXX ) entered on XX/XX/XXXX, from the court of Judge XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, Texas XXXX XXXX I never received a citation or notice. I contacted XXXX XXXX 's @ ( XXXX ) XXXX attorney at law to ask if they had received any form of notice about this default, and XXXX XXXX said, " I don't know. '' They no longer are representing me as of XX/XX/XXXX and XX/XX/XXXX. They never kept me updated about case number : XXXX, which is the same case related to Cause No. XXXX. I spoke with XXXX XXXX from Johnson Mark LLC, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, Utah XXXX, email : XXXX with telephone number ( XXXX ) XXXX. I informed her that I never received a citation and no one took my picture signing a citation being served I asked for copies to submit to the court to let XXXX XXXX XXXX know that she is now involved in a fraudulent signature and forgery because I never signed a citation on XX/XX/XXXX, and no one took my picture signing a citation. he said it was served to me on XX/XX/XXXX, which she said I signed and the person took my picture signing the citation. That is a flat-out lie! She sent a dispute out today to the XXXX XXXX XXXX and hung up on me before she answered how long the dispute might take. Finally, I called her back and she had no idea how long the dispute would take to complete. I understand Johnson Mark LLC is known for damaging people to the max. That's fine! As a senior citizen living off a monthly social security payment, I have learned my rights according to SSR 79-4 : Section 207. Time is not on my side and I do not trust waiting for XXXX XXXX with Johnson Mark LLC to keep me waiting without providing me a time frame with this ill-issued Default Judgment. According to all the comments, that I have reviewed... I am not able to trust them. They have involved a judge with a forged signature. This is wrong on many layers and levels. I need a copy of the citation, signature, and photo that was taken to present to my legal representative ASAP! By the sound of her voice XXXX XXXX was ready to release her force towards me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Ray Skillman Northeast Buick GMC Truck Inc
State: IN

Complaint narrative:
i went to get a car financed with credit score XXXX ans was supposed to get pre apporoved credit got pointed without service of promise on contract

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: Credit Karma, LLC
State: TN

Complaint narrative:
Credit karma sends me offers saying I'm pre-approved for credit cards and when I sign up for them, I'm denied... 
The offers come frequently and I think it's lowering my score

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Confusing or missing disclosures — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
Money was taken every month from checking account

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Accounts wrongdully closed with money in them and money never returned

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
On XX/XX/2023 I learned that I have an account with XXXX XXXX XXXX with a balance of XXXX. 
On the night of XXXX I called XXXX XXXX  XXXX only to discovered that I was an authorized user to that account that owe the money. I was only XXXX XXXX XXXX when that account was closed, according to XXXX XXXX XXXX XXXX XXXXXXXX check and made sure that under my name and social security number there werent any account and they were able to remove me as an authorized user from the account that night. 

My issue is that EquiFax will not remove the account with balance from my credit report because I cant provide them with any proof. I cant get XXXX XXXX XXXXXXXX to send them a proof because I dont have account with them. 

Please help me, I wont be able to get a mortgage with this on my credit report. 

Please reach out to me if you need any further information. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Struggling to pay mortgage — 
Company: Freedom Mortgage Company
State: NV

Complaint narrative:
In XX/XX/2022, I received a phone call from what I believed was Freedom Mortgage. The call was received from the customer phone number on all my documents. The person on the phone new a lot of my information and informed me that they could help with a lowering my payments for my mortgage and helping to get back on track with my mortgage payments. They offered a loan modification and said that my Payments would not be at {$1200.00}. I was very excited. 

They then asked me for an upfront payment of {$710.00} to start the process and I proceeded to give them my debit card number. I did not realize it was a scam until they said that they could not process my card, it declined. Probably due to my missed payments and then proceeded to ask me for the amount in a money order. 

This is when I got suspicious cause as I said earlier the phone call came from the number I have saved to my phone from Freedom Mortgage. 

The guy then said I could call him back when I was received the money order. 
XXXX XXXX and XXXX was the two names he gave me phone number ( XXXX ) XXXX is the phone number provided to me to call back. 

I never did do the money order and also called my bank to close and get a new debit card. 

I then called Freedom Mortgage using the same number and informed them of what happened and all they said was that it was not 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