vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Wells Fargo Bank is discriminating against denying me credit and an opportunity to open up a checking account because I had a previous checking account with Wells Fargo bank, which the debt was discharged in bankruptcy court under Chapter XXXX on XX/XX/XXXX in the United States District Court District of Minnesota Bankruptcy Court. The debt I owed to Wells Fargo Bank was discharged under Chapter XXXX bankruptcy. Wells Fargo Bank is discriminating against me because the debt I owed to Wells Fargo Bank was discharged in bankruptcy court. Furthermore, Wells Fargo Bank is discriminating against me because of my race, me being XXXX XXXX ( XXXX ). Wells Fargo Bank is in complete violation of the XXXX Equal Credit Opportunity Act ( ECOA ) under federal law. Full Name : XXXX XXXX XXXX, DOB : XX/XX/XXXX, SSN : 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 2021-01-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX, Citibank ( the bank who issued Sears credit card ) posted an outstanding balance of {$1200.00}, which triggered an auto debit on my checking account with XXXX XXXX XXXX. I had no outstanding balance with Sears at the time. 

Below are the dates I contacted Citibank ( XXXX ) to get a refund : XX/XX/XXXX : Spoke with XXXX, ID # XXXX. She initiated the refund process & asked me to call back on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. He confirmed that the refund was initiated on XX/XX/XXXX XX/XX/XXXX : Spoke with ID # XXXX. She confirmed a refund check was already processed on XX/XX/XXXX. She then confirmed the address & it was my old address. She updated my address, submit a stop payment & restart the refund process. She also said it may take up to 30 days to get a refund check. 

XX/XX/XXXX : Called to check the status of my refund & spoke with ID # XXXX. She asked me to check in a few days. 

XX/XX/XXXX : Spoke with ID # XXXX. She said that another request has been made on XX/XX/XXXX & I should get a refund check in 30 days. I requested to speak with a supervisor. She forwarded my call to XXXX, ID # XXXX. He confirmed that I am entitled to a refund. He also confirmed that a refund process has been initiated on XX/XX/XXXX, and that I a check should be mailed by the next billing cycle XX/XX/XXXX. 

XX/XX/XXXX : Spoke with ID # XXXX. She was unsure why I am expecting a refund. I asked to speak to XXXX, the supervisor whom I spoke with on XX/XX/XXXX. She forwarded my call to XXXX, an assistant manager with ID # XXXX. He was not very helpful. He submitted another refund request & told me that it will take 30 days ( basically, he restarted the clock ). 

It's been almost 4 months since Citibank took my money.

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 2021-01-19 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: IL

Complaint narrative:
I sent Experian a dispute letter with proof of inaccurate reporting. The consumer reporting company refuses to remove the inaccurate information from my consumer report.

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 2021-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have previously disputed with this company for multiple accounts, XXXX XXXX XXXX collection and XXXX  These accounts does not belong to me and should not be reported. I submitted a letter to the creditors and credit bureaus with no success. 

These companies has failed to provide proof of identity, they are reporting inaccurate information such as open dates, balances, terms and things which I never owed. Please remove

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 2021-01-19 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: PA

Complaint narrative:
I have previously disputed with this company for multiple accounts, XXXX XXXX XXXX collection and XXXX  These accounts does not belong to me and should not be reported. I submitted a letter to the creditors and credit bureaus with no success. 

These companies has failed to provide proof of identity, they are reporting inaccurate information such as open dates, balances, terms and things which I never owed. Please remove

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account and said they dint have to tell me I told them XXXX might have my info and be in my account they didnt care a guy pretended to be prosper market place and instead of a loan he got into XXXX account and stole my money 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 monetary relief
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH

Complaint narrative:
I have reviewed my credit report and notice there were some inaccurate information that will need to be removed. According to the provisions of the Fair Credit Reporting Act 611 ( a ) [ 15 USC 1681i ( a ) ], these disputed items must be investigated or deleted from my credit record within 30 days. During the investigation period, the items I am disputing must be removed from my credit report as the mere reporting of items prior to debt validation constitutes collection activity. I am requesting my name, address and telephone number updated and remove any other names, addresses and telephone numbers that does not belong to me. The following accounts in dispute are listed below : I have a copy of my Drivers Licenses and Social Security Card for verification purposes. Please notify me that the above items have been deleted pursuant to 611 ( a ) ( 6 ) [ 15 USC 1681j ( a ) ( 6 ) ]. I am also requesting an updated copy of my credit report, which should be sent to the address listed below. According to the provisions of 612 [ 15 USC 1681j ], there should be no charge for this report. 
Please Delete incorrect names : XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Please Delete Address that does not belong to me : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXXXXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX XXXX XXXXXX/XX/XXXXXXXX XXXX Ohio XXXX XXXX XXXX XXXX XXXX XXXX Columbus XXXX Ohio XXXX Please Delete Telephone numbers that do not belong to me : ( XXXX ) XXXX, ( XXXX ) XXXX, ( XXXX ) XXXX This is my number ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with additional add-on products or services — 
Company: Regional Management Corporation
State: TX

Complaint narrative:
On XX/XX/XXXX20, there was a fraudulent loan account created on my credit which I never involved with. The company call Regional Finance contacted me a few months ago regarding the loan check they issued to my old address. I told them that Im no longer residing at the address XXXX XXXX XXXX XXXX TX XXXX. And Im not going to responsible any actions that they have been fraudulently doing without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX  ; Experian continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. XXXX XXXX XXXX continues to damage my Character and has caused a great amount of discreditability to my name. XXXX  and Experian continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.

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 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After carefully reviewing my credit report and disputing inaccurate reporting from the alleged account XXXX XXXX XXXX ; XXXX continues to violate my rights. no proper and accurate investigation has been completed on my behalf as requested. Credit Reporting Agency continues to damage my Character and has caused a great amount of discreditability to my name. Equifax and XXXX continue to report errors such as different dates of last active on account and have not provided proof of investigation for accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
In XX/XX/XXXX19 my automatic payment was not withdrawn from my account and I reached out to the finance company and they said it was an error on their end, because of this error I incurred a 30 day late payment which was not my fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX Balance : {$1800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

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 2021-01-19 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: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
As of XXXX and XXXX XXXX has nothing about the fraud charges on my account. 

From XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX New York [ XXXX ] XXXX DOB XX/XX/XXXX LIC : XXXX NEW CARD NUMBER : XXXX XXXX XXXX To : American Express Serve Customer Care XXXX XXXX XXXX XXXX, GA XXXX Certified Mail : XXXX XXXX XXXX XXXX XXXX Dear Serve Customer Care I am writing to let you know that your Credit Card company has not done a thing in the fraud charges on my account with XXXX XXXX from XXXX XXXX XXXX  {$62.00} XXXX XXXX XXXX XXXX of {$49.00} XXXX XXXX XXXX XXXX {$120.00}, XXXX XXXX XXXX  for {$3.00}, XX/XX/XXXX XXXX  {$30.00} XXXX XXXX XXXX XXXX  {$27.00}. This is amazing!!! Never did any business with these Merchants! Please help. 
I have called over 20 phone calls to your company call XXXX XXXX ; they have completely refused to send any validation of any receipts nor any evidence of transactions that took place on his account! 
The customer service is a very big problem located in the XXXX XXXX  which is absolutely horrendous quite frankly disgusting where they do nothing in that country in XXXX XXXX! 
Then you state to the issue and they do absolutely nothing help you and then they disconnect your phone call! What a Joke! 
As of XXXX, the XXXX XXXX we have no evidence from American XXXX  card that these charges were fake by a unknow merchants and not legitimate, and they denied the investigation and kept the money installed from the customer. Please see attachments. 
I would like to have the people in charge of investigating the fraudulent charges immediately fired from your company. 
You can contact me anytime my mailing address or phone number, but this is quite frankly discussing how this whole thing is developed and there has been absolutely no help in this matter. In Final the inquired done by American XXXX  did nothing! About your charge ( s ) from your Bluebird Prepaid Debit Account in the total amount of {$1000.00}. Based upon our investigation we have determined that no error occurred and that transaction ( s ) in question was authorized. Is a False Statement XXXX sign of laziness by this pathetic company that is in the XXXX XXXX and there has not been one American person that is looked this thing over in the United States of America it is quite frankly disgusting that these issues get sent overseas! 
Statement from a Unknow person in XXXX XXXX XXXX : Therefore, the transaction ( s ) is not eligible for credit to your Account. Depending upon the nature and scope of the fraud, the bank may decide to notify law enforcement. The XXXX XXXX did nothing! 
This is sign under the penalty of perjury of the fraud charges place on my account with no evince of my signature nor any consent!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX Balance : {$0.00} - This is not mine and I am requesting that you remove this from my credit report or I will execute an Identity Theft Affidavit. 

XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX ) XXXX Balance : {$1500.00} - This collection account has been re-aged and is being reported past the legal time allowed. Also, provide me with a breakdown of the fees & authorization because I did not agree to have any of my information shared. 

XXXX XXXX XXXX : {$1800.00} - This account has been transferred/sold, but you are still reporting this account with the original creditor. You are reporting this inaccurately. Delete Immediately. 

XXXX XXXX XXXX Balance : {$0.00} - The creditor information is missing. Please remove due to failure to identify the creditor Name address or phone number. Account can not be verified.

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 2021-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Mercedes Benz Financial Services
State: NY

Complaint narrative:
Mercedes Benz Financial Services called 3 times on a Public Holiday - XXXX XXXX XXXX XXXX. I complained after the first call but received XXXX more. This is not only calling at an unusual time they knew, or should have known, was inconvenient but it is also harassment. " Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number '' is against the FDCPA practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Information belongs to someone else
Company: Santander Consumer USA Holdings Inc.
State: CA

Complaint narrative:
Santander is currently reporting an account that was XXXX in XX/XX/XXXX on my credit report. There have been several attempts to get the account removed from my credit report without any resolution or response from Santander. 

As you can see in the attachments, Santander just settled a Class Action case in XXXX, for Deceptive/predatory lending practices. According to the agreement, my debit is to be forgiven and the account status updated to positive or the account to be removed from my credit report. 

After reviewing the Deceptive Auto Loan Practices CLASS ACTION SETTLEMENT WITH SANTANDER CONSUMER USA. This is a direct violation on the settlement agreement. Because of what they agreed settlement this needs to be corrected within 30 days of receipt of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Confusing or missing disclosures
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, I applied for a brokerage account from Merrill Lynch. I received an initial follow up call for additional info which I provided on an unknown date. I was promised my account would be opened in XXXX hours as indicated by showing in my online banking with Bank of America by the representative. That did not happen. On XX/XX/XXXX, I received a second voicemail with a request for more information to open my account. On XX/XX/XXXX, I called and provided additional info, and the agent once again promised my account would be opened in 24 hours. Right after my call ended, I received two emails, one stating my account was open and another stating my margin account was approved. Neither email had my account number and to this day I do not know my account number. Nor did my brokerage account show up in my online banking. On XX/XX/XXXX, I called Bank of America to discuss a separate fraud issue, and to inquire about the status of my brokerage account. The agent indicated my new brokerage account was active and would show up in my online banking within 2 days. That never happened. Over a week later from this call, and over a month from my application, I still do not know if my account was ever opened or not, and if it is, I have no idea of knowing what sort of activity, unauthorized or not, and transactions are going on in my 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 2021-01-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Nicholas Financial Inc.
State: FL

Complaint narrative:
I PURCHASED THIS VEHICLE IN 2016 LOAN COMPANY AT THE TIME WAS PLATNUIM AUTO XXXX I MADE PAYMENTS AND SOME TIMES I WOULD DOUBLE UP I WAS PLACED ON A PAYMENT ARRANGEMENT UNTIL I GOT CAUGHT UP FEW MONTHS LATER I FINDS OUT THIS COMPANY TRANSFERED MY LOAN TO ANOTHER COMPANY NICHOLAS FINANCIAL THE PAYMENTS I WAS MAKING THE SUPERVISOR WAS TAKING IT AND SHE WAS FIRED SO NOW THIS COMPANY I'M WITH NOW HAS STARTED MY LOAN ALL OVER AND EACH TIME I'M MAKING A PAYMENT IT'S GOING TOWARDS THE INTEREST AND NOT THE CAR THE LOAN IS STILL AT XXXX I REFUSED TO CONTINUE TO MAKE PAYMENTS AND IT'S NOT GOING TOWARDS THE CAR I SHOULD HAVE BEEN DONE PAYING ON THIS CAR I'M CONSIDERING HAVING SOMEONE TO BUY IT I NEED SOME HELP PLEASE

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 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: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
Goldman Sachs is letting XX/XX/XXXX break their agreement with the users.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Nelnet, Inc.
State: TX

Complaint narrative:
I deferred my student loans due to my XXXX and my loans were sold back and forth between Nelnet and XXXX. Each time they would redo all the negative late payments on my credit report on all 3 credit reporting agencies for all 8 student loans. I was awarded a waiver based on my XX/XX/XXXX( Total XXXX ) service connected from when I was in the military. The negative 120 Day late payments were removed and I thought I was able to move forward. They have since been put back on my credit report, again and again and again. I have constantly battled with this for years submitting new evidence each time and still having the 2 sister companies Nelnet and XXXX repost the late payments 30/90/120 days to my negative credit transactions. 

I really want to get a loan and I am looking to purchase my first home as a XXXX vet and have been unable to because of these huge delinquent hits to my credit. The loans show paid but all the negative history remains even though they were " supposed to be in deferral '' and were sold. When I called they said once they are sold they are put back into delinquent status. This seems like an unfair practice and if the XXXX companies are sister companies it feels like tax fraud may be involved also.

Company response to consumer: Closed with explanation