vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-09 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: CT

Complaint narrative:
A claim was filed in the amount of {$290.00}, a debit card purchase from XXXX which posted to my Wells Fargo account on XX/XX/2021. The item ordered, a XXXX XXXX t-shirt, was not received. The package was sent via XXXX and as explained to claim reps recently, XXXX driver has a habit of forging signatures, leaving packages where they can be stolen and or lost. Previously, the driver forged signature on a package, signed the name " XXXX XXXX '' whom does not live at my address. I believe the driver signed the name " XXXX XXXX '' for this package from XXXX, left it where it could be lost/stolen. I never sign my name as " XXXX XXXX ''. I suspect the driver chose to sign my name like this because I made a complaint about forged signature from prior package, signed " XXXX XXXX ''. This was explained to Wells Fargo claim rep whom called me several days ago regarding claim, mentioned it might be closed out and provisional credit reversed out of account... The credit was recently reversed on XXXX, overdrawing the account. With the information provided above, I request Wells Fargo re-investigate this transaction and reverse credit back in to account. Attempts were made to resolve with merchant and failed, merchant works with XXXX on a company level ... Their delivery team works with XXXX and considers the package as delivered correctly, despite forged signature by driver.

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 2022-02-09 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:
some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, XXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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:
some violations were made according to the FCRA due to wrongdoing of safety procedures. 


XXXX XXXX XXXX XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$630.00} XXXX XXXX XXXX XXXX, SCXXXX ( XXXX ) XXXX XXXX XXXX Account number XXXX Date opened XXXX XXXX, XXXX Balance - XXXX XXXX XXXX # XXXX XXXX, MIXXXX ( XXXX ) XXXX XXXX Account number XXXX Date opened XX/XX/XXXX Balance {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
Account number XXXX Date opened XXXX XXXX, XXXX Balance {$890.00} XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I have two inquiries on my credit report without an active account connected to them. One of the accounts is from XXXX XXXX credit card that was created on XX/XX/XXXX and the account reports closed. The other account is from XXXX XXXX XXXX created on XX/XX/XXXX. I never gave consent to either of the companies to initiate a credit transaction that created the inquiries. I contacted Equifax credit solutions and they instructed me to file a FTC report and FTC.gov transferred me to CFPB to make my complaint. Hopefully this gives a full and clear understanding to my dilemma that needs your urgent attention. I have attached a copy of a highlighted copy of the credit report with the specified items that needs to be deleted. 

XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: MI

Complaint narrative:
I paid off my mortgage with Mr. Cooper on XX/XX/XXXX. As of this date ( five months later ) XX/XX/XXXX I have not received my release of lien document. After several inquiring phone calls no one has been able to tell me anything definitive regarding when I will receive my release of lien document. I have also filed a legal complaint with Mr. Cooper Customer Relations Department in hopes that with an internal investigation this situation will be resolved. I have not heard back from this department either. Other than to tell me they have received my complaint on XX/XX/XXXX. 

The name of the Mortgage Company is : Mr. Cooper Customer Relations XXXX XXXX XXXX XXXX, TX XXXX I have called to inquire about the Release of Lien the following days : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Although I have been treated courteously by the Reps that I have spoken to and communicated with not one has been able to resolve this issue. That is why I contacted my attorney and he suggested that I file a complaint. 

I am hoping this can/will help to resolve this frustrating unnecessary situation. 

Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ARS National Services, Inc.
State: WA

Complaint narrative:
1 ) Received Debt Collection letter by 2nd party debt collection.

2 ) Debt has already been paid in 2019 through Sign In America.

3 ) Notice was sent to ARS National Services Inc.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: GOLDMAN SACHS BANK USA
State: IL

Complaint narrative:
I sent Goldman Sachs Bank USA my cease & desist letter via certified mail on XX/XX/2022. I recently saw that Goldman Sachs Bank USA received my cease & desist letter on XX/XX/2022. I demand that Goldman Sachs Bank USA stop violating XXXX XXXX XXXX ( XXXX ) ( XXXX ). Goldman Sachs Bank USA called my phone today XX/XX/2022 at XXXX after receiving my cease & desist letter. Goldman Sachs Bank USA has violated my rights once again today by harassing me about an alleged debt. I also demand that Goldman Sachs Bank USA to respond back to my cease & desist letter. I need an audit trail and any other documents so I can verify this alleged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

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 2022-02-09 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: CA

Complaint narrative:
My name is XXXX XXXX, I have noticed many incorrect and unauthorized items appeared in my report. So, I am requesting that you delete all the following ACCOUNTS and INQUIRIES and/or bankruptcy from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: MN

Complaint narrative:
I signed up for the American Express Gold Delta card. Terms of the sign-up bonus was {$2000.00} spent in XXXX months and receive XXXX bonus miles. I hit the {$2000.00} spending in XXXX XXXX. 

Outgoing calls to AMEX XX/XX/2022 AMEX CSR recommend I wait XXXX weeks and my miles will be credited to my account. 

XX/XX/2022 AMEX CSR states I wasn't eligible for the sign-up offer. The previous CSR stated otherwise. Case file was opened. 

I have no closed accounts. I've never owned this particular credit card before. Nor have I ever received this particular bonus before.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: CA

Complaint narrative:
Victoria Secret was opened fraudulent. I'm a victim of identity thief Contact Victoria Secret Credit card about this and told them that I did not open this credit card and would like assistance with this. They would give me the run around and would not help me with this. 
Has now they added XXXX same accounts on my Credit Report with different account numbers but open the same day. 
They have not been very helpful to dispute this and have been very aggressive towards me about it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-09 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: NY

Complaint narrative:
I Am a federally protected consumer. XXXX was notified of a dispute of account with XXXX XXXX Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT

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 2022-02-09 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: DISCOVER BANK
State: NY

Complaint narrative:
I Am a federally protected consumer. XXXX was notified of a dispute of account with Discover Bank Account number XXXX pursuant to 15 USC 1681a, ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX HAS FAILED TO DISCLOSE AND PROVE THEY HAVE HAD PERSONAL INTERVIEWS WITH MY NEIGHBORS OR FAMILY, under 15 USC 1681 ( a ) ( 4 ) i have a right to privacy i ask this account be removed from my consumer report... ACCORDING to 15 USC 1681b ( 2 ) STATES YOU HAVE TO HAVE WRITTEN CONSENT FROM I THE CONSUMER TO EVEN FURNISH SOMETHING ON MY REPORT THAT IS IDENTITY THEFT .... Any Negative marks need to be deleted ACCORDING TO 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ) THERE SHOULD BE NO INFORMATION SOLELY AS TO TRANSACTIONS OR EXPERIENCES BETWEEN THE CONSUMER AND THE PERSON MAKING THE REPORT ALL TRANSACTIONS BETWEEN I AND XXXX XXXX SHALL BE DELETED PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH RESULT FROM IDENTITY THEFT

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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: TX

Complaint narrative:
After reviewing my credit report, I discovered some items that were incorrectly reported. The XXXX has given me the authority to dispute and change information in my credit report that I believe is incorrect.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-10 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Direct Recovery Services called my place of employment on XX/XX/XXXX from telephone number XXXX at XXXXXXXX XXXX. and today, XX/XX/XXXX, at XXXX XXXX. from telephone number XXXX. They also sent a spam e-mail to my work e-mail address. They are calling regarding debt that dates back to at least XXXX. In addition, they sent out an individual to my parents address to try to collect said debt when I did not even live at that address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, Experian and XXXX data breach and may have got into the hands of the wrong person.

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 2022-02-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Glacier Bancorp Inc.
State: MT

Complaint narrative:
Western Security Bank ( Glacier Bank ) underwriting requirement imposed The applicant can not have any late mortgage payments 12 months prior to the application ''. This requirement results disparte low income residents of the City of XXXX, Montana access to federal assistance programs ( XXXX ). 

Im a Protected Class citizen Guardian of XXXX XXXX XXXX XXXX XXXX. I am very concerned about my child 's lead paint exposure. My application to the City oXXXX XXXX submitted XX/XX/2020 was denied based on the imposed requirement implemented by Western Security Bank and City of XXXX The Federal Housing Program is made unavailable to low income residents and results disparate from access to Federal Housing Rehabilitation program assistance. 

Disparate impact on our community and direct impact forcing blight and homelessness. Federal Assistance programs were adopted to serve low income persons ; which Western Security Bank and CIty of XXXX have created their own set of rules to avoid assisting our low income population housing needs, thus no Fair Housing can be found. 

I needed a Federal Assistance XXXX XXXX LOAN to remove lead paint, repair windows and fix a water leak. Western Security Bank and City of XXXX violated my rights and held the program above me, as if almighty. My application was denied 3 times including board member and city council voting. Its a group thing. 

Included the attached you will find City of XXXX  recommendation to City Council proves privacy in communications violations and false statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-09 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:
on XXXX approx. XXXX went BANK OF AMERICA TO WITHDRAW LARGE SUM OF MONEY FROM TELLER.GAVE HER MY ID AND EDD DEBIT CARD.SHE GOT THE INFO SHE NEEDED .RETURNED MY ID AND CARD I SIGNED THE MACHINETHEN SHE TOLD ME TO INSERT MY DEBIT CXARD TO CHECK PIN.I WAS THEN TOLD THAT THERE IS A HOLD ON MY CARD DUE TO POSSIBLE FRAUDULENT ACTIVITY.SHE THEN TOLD ME THAT I WOULD NOT GET ANY MONEY TILL THE HOLD IS TAKEN OFF MY CARD.I ASKED FOR SOME KIND OF RECEIPT TO SHOW THAT I WAS THERE FOR THIS DENIED WITHDRAWL.I NEVER LOOKED AT THE RECEIPT WHICH I HAVE LOST.I LEFT IN A HURRY TO GO HOME AND CALL CUSTOMER SERV. TO GET HOLD TAKEN OFF.WHEN I CHECKED MY STATEMENTS ONLINE.I NOTICED MY BALANCE WAS VERY LOW .I TRIED TO RESOLVE WITH THE MANAGER.WHO ONLY ACCUSES ME OF GETTING THE MONEY.FILED MULTIPLE CLAIMS ONLY TO BE TOLD IT WILL BE 45 TO 90 DAYS.KEEP SAYING THAT THEIR INVESTIGATION HAS CONCLUDED NO POISTAL ERRORS AND WON'T CREDIT MY ACCOUNT AND CASE I CLOSED. NO EVIDECE OR PROOF HAS BEEN SENT TO ME.IT 'S BEEN 2 + MONTHS.I HAVE LOST MY PART TIME JOB CAR INBSURANCE CAN'T PAY BILLS AND ABOUT TO BE EVICTED.ALL I WANT IS MY MONEY THAT I NEVER RECEIVED AND WAS LOST BY THE

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 2022-02-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: CREDIT ACCEPTANCE CORPORATION
State: NJ

Complaint narrative:
I also told them they knew i was unemployed at the time and should never have given me a payment like that. I called them and explained I was XXXX and on ssdi. That I was not making much money and the payment was too high. That was the first conversation and then the car was repo 'd. my father who has since passed away from XXXX took care of the payment to get it back. Because he knew I was working on trying to find a way to fix my credit or get the loan down. I hired a credit agency because at that time I was hoping to find a way to buy a small home much cheaper then my XXXX rent. I told her I had called and begged them to take the negatives off since I was caught up. she told me to get another job. ok I'm XXXX I can't. then I hired a credit repair place I told her my issue XXXX the car payments and told her they don't care they won't help she said they would. did I explain about my surgeries I said yes they don't care. she called them and said your right I am so sorry they don't care at all.

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 2022-02-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, I contacted CitiBank and spoke with a supervisor named XXXX to dispute XXXX XXXX XXXX  and interest charges associated with XXXX charges to the account. Citibank never disclosed in their cardmember service agreement that XXXX charges would be treated as a cash advance and hence incur a fee on each such transaction, subject to higher interest rates, and have interest calculated from the date of purchase without any grace period. None of the XXXX transactions are cash advances. Citis decision to not disclose XXXX transactions as cash advances to the cardmember is a self-serving choice to derive fee and interest income at the expense of its credit card consumers who use their Citi consumer credit card to fund mobile payment app transactions. The supervisor refused to provide assistance and hung up the phone.

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 2022-02-09 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Commonwealth Financial Systems, Inc.
State: TX

Complaint narrative:
I received to statements claiming I visited XXXX XXXX XXXX. Once on XX/XX/2015 acct # XXXX for {$1400.00}. Another on XX/XX/2015 acct # XXXX for {$480.00}. I am a regular patient at the XXXX  XXXX XXXX XXXX. I do not go outside the va for my medical svcs as for my recollection I have never visited XXXX XXXX XXXX.

Company response to consumer: Closed with explanation