vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On yesterday I was informed by Wells Fargo that my residence is scheduled for sale on XX/XX/2023. And the only way I found out was by way of me calling Wells Fargo out of curiosity. Wells Fargo has discriminated against me because of my race and XXXX. And theyve denied me the right of a loan modification and refinance. Currently Im permanently XXXX and theyre violating my civil rights as a XXXX person with XXXX. Then they cover up for criminal fraudulent activities by XXXX XXXX to who doesnt live @ this residence XXXX XXXX XXXX XXXX XXXX Pa XXXX. But yet they still call XXXX XXXX XXXX for him. Wells Fargo also failed to acknowledge the death of my late Mother XXXX XXXX which now makes me 50 % owner and the {$18000.00} Refinance Check that was forged in my name by 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 explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Didn't receive terms that were advertised
Company: BANCO POPULAR DE PUERTO RICO
State: NY

Complaint narrative:
I opened a new Certificate of Deposit Account at Popular Bank website on XX/XX/2023 during a promotion. The online application was completed and a confirmation number was received instantly. I began the funding process and the initial fund was withdrawn from my external account into the new CD from an external account within days. I went back to Popular Bank online banking a couple of days after and I realized that I couldnt login to online banking so I called popular bank customer service; I was instructed by the popular bank customer service representative that the external funding account needed to be verified by popular bank that I need to show proof that I owned the external funding account. Within 2 days, the account verification was resolved. I was able to log on to my CD and I saw the initial fund displayed in the CD account via online banking. On XX/XX/2023, I logged on to the Popular Bank online banking and I witnessed the earned interest deposited into the account for the first month. On XX/XX/2023, I tried to log on to my online banking and I realized I was locked out again. I called Popular Bank Customer service and I was informed that my CD has been closed because the account process was NOT completed. I was informed that my signature was NOT received on file. This is infuriating. I was told that the initial fund would be refunded to the funding account. The interest earned for the 45 days duration in the CD would NOT go back to me because the account process was NOT completed. I filed a complaint to the bank on the same call. I received a complaint corresponding letter in the mail today stating that the earned interest is not applicable to me because the account was not completed my opened. I believe this is FRAUD! The account was opened online as a 13 month CD and I received the confirmation number confirming the account was opened. The fund was deposited and interest was earned. The account was verified afterward via a phone call. I logged onto the account multiple times since it was opened and nowhere on the account has any alerts indicating a signature is required nor an closure alert is pending. They kept my money for 45 days and wanted to not pay any interest earned. This is FRAUD. Please investigate!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: VW Credit
State: TX

Complaint narrative:
I bought a VolksWagen  XXXX XXXXXXXX XXXX XXXX XXXX from XXXX XXXX Volkswagen XXXX, TX and I was pushed the following extra products. 

1 ) Blue Steel 2 ) Easycare Appearance 3 ) Vehicle Extended Service Agreement My wife and son asked me to agree to it so I did agree on that at that time but within 30 days as per Texas laws, I called back the dealer and requested that these be cancelled. 

Dealer has refused to cancel these add-on optional items. I complained to Volkswagen and VolksWagen Credit but they said it is dealer who is doing this and I have to deal with the dealer. 

Secondly, for the car loan, I signed only 1 paper for availing loan and approving credit check but dealer did three hard inquiries on my credit file without informing that it would be three hard inquiries. I was already told on interest rate when I made the purchase. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX VW Credit XXXX XXXX XXXX XXXX XXXX The hard inquries of XXXX XXXX XXXX XXXX XXXX and XXXX ) XXXX XXXX XXXX are fradulent. 

After lot of follow ups, the dealer was finally able to issue a refund check for 3 ) Vehicle Extended Service Agreement. However the service agreement was for {$2300.00} and I was only refunded {$2200.00}. 

Volkawagen Credit and Volkswagen needs to work with their dealers and have stringent terms that let consumers cancel optional items sold by dealers within 30 days, and stop dealers from doing multiple hard inquiries on customer credit file without customer being informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: WI

Complaint narrative:
In accordance with The Fair credit reporting act 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer.

15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication.

15 USC 1692 section 806 section 5 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.

15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antidates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: WI

Complaint narrative:
In accordance with The Fair credit reporting act 15 USC 1681 and fair collection practices act 15 USC XXXX XXXX XXXX XXXX account # XXXX has violated my rights. 
15 USC 1681 section 602A states : I have the right to privacy. 
XXXX USC 1681 section 604a section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1692 section 805a states : a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place known or which should be known to be inconvenient to the consumer. 
15 USC 1692 section 805a section 3 states : at the consumers place of employment if the debt collector knows or has reason to know that the consumers employer prohibits the consumer for receiving such communication.

15 USC 1692 section 806 section 5 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. 
15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information other than records of convictions of crimes which antidates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
Several fraudulent attempts were made to gain access my U.S. bank credit card account ( XXXX XXXX XXXX XXXX The company sent me at least XXXX new cards, including XXXX of which I never received. They finally made the decision to close my account ( letter sent on XX/XX/2023 ) because they said that it was at high risk of fraud. After the account was closed I requested to be able to redeem the rewards points that I had accumulated which totaled XXXX points which is equivalent to over {$380.00} dollars ( they only provided rewards in {$25.00} increments as a gift card redeemable at authorized XXXX XXXX dealerships ). At the time they closed the account I was eligible to redeem {$370.00} worth of points. They sent me a letter dated XX/XX/2023 saying that they were unable to fulfill my request to redeem rewards " due to the current status on my account ''. I believe that this denial of my request for the rewards was very unfair and amounts to stealing those rewards that I had legitimately earned. I had this account for over 29 years and always made payments on time. I was the victim of the fraudulent attempts to access my account, NOT the perpetrator. Please assist me in obtaining the {$370.00} in rewards I had earned. I have provided a copy of the last credit card statement that I had received which shows the rewards points balance ( I did not receive a statement in XXXX ). I have also included copies of the original credit card which matches the statement and the most recent credit card that I received, a copy of the letter closing the account, a copy of the letter denying me the rewards points, a copy of a letter confirming that I had reported identity theft to the company and a copy of a letter showing that they were aware of fraudulent activity pertaining to my account. Apparently their security system was not able to prevent recurring attempts to gain access to my account that included changing my address, email address and phone number even after placing an alert on 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 monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Portfolio Recovery Associates, LLC
State: NJ

Complaint narrative:
Portfolio Recovery ( XXXX ) XXXX calls repeated times throughout the day, often beginning at XXXXXXXX XXXX  and then multiple times throughout the day. 
The debt they are calling about was written off in XXXX when I declared bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
Hi, I have recently closed my Wells Fargo Account after being a member with them since XXXX. The reason being is because on several occasion I have been a victim of fraud and they have not ever paid me back for all the occasions in which I complained. I want to know if Im eligible to receive my money back for the times I was taken advantage of.

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 2023-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citi bank credit card Card numberXXXX This credit card earn credit reward {$7200.00} end XX/XX/XXXX  When I closed my business on end of XX/XX/. Citi bank cancel my credit card account by bank policy. The service rep told me clearly. He will transfer to personal account and receive the credit rewards automatically. But it take two months long to set up my personal credit card accounts. Then they did not also transfer my cash rewards to me. 
I feel Citi bank stole my money which I supposed to earn from my credit card transactions. 

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 explanation
Consumer complaint received 2023-03-03 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 a. States I have a right to privacy 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-03 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:
In accordance with the fair credit reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 604 a. States I have a right to privacy 15 USC 1681c ( a ) ( 5 ) section states : no consumer reporting agency may make any consumer report containing any of the following items of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: FL

Complaint narrative:
The law states that a consumer reporting agency shall block the information on the file of a consumer that the consumer identifies as identity theft within 4 days. Equifax received notice from on XX/XX//2023 that there is information on my consumer report that is a result of identity theft. Today 's date is XX/XX/2023, which means their company is currently two weeks notified. I have provided an identity theft report which identifies the items and appropriate proof of my identity. I have also provided a statement in my identity theft report that states that the information I have identified is not related to any transaction by me. Equifax is clearly violating federal regulations pursuant to 15 USC 1681n - willful non compliance. I will be filing a complaint with the Attorney General and seeking litigation if this issue is not resolved. I have attached the documents I have already provided on XX/XX//2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: FL

Complaint narrative:
I am writing to file a complaint against Navient regarding their unfair practices and harassing behavior towards me and my late mother. Despite multiple attempts to come into a fair payment arrangement with them, I have been repeatedly charged for payment arrangements, and my principal balance never seems to go down. 

Furthermore, during the pandemic, when I was in financial difficulty and asked for deferment, they refused to help and instead called me and my late mother every day. I politely requested them to not call me and my late mother, but they continued to do so. 

The situation has now escalated to the point where they are calling my job and being rude to my coworkers. They even disclosed my account details to my coworker, which is a blatant violation of privacy. I feel extremely uncomfortable and harassed by their actions. 

I am frustrated and deeply concerned about Navient 's unfair practices and unethical behavior towards their customers. I have tried to resolve the issue with Navient directly, but to no avail. 

Therefore, I am requesting your assistance in resolving this matter. I urge you to take appropriate action against Navient and ensure that they comply with the relevant consumer protection laws and regulations. 

Thank you for your attention to this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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:
In accordance with the Fair Credit Reporting act XXXX Account, Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXXXXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number:XXXX XXXX Account Name : XXXX  Account Number : XXXX, Account Name : XXXX XXXX Account Number : XXXX, Account Name : XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2023-03-03 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: FL

Complaint narrative:
I transferred the money via Zelle and the recipient never send the goods I bought on XXXX..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-03 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: CA

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Washington XXXX SSN : SS # : XXXX XXXX : Date of Birth : XX/XX/XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that I believe are inaccurate and unfair. The following items are of concern : XXXX XX/XX/XXXX Inquiry XXXX XXXX XXXX  XX/XX/XXXX Inquiry XXXX XXXX XXXXXX/XX/XXXX Inquiry XXXX XXXX XXXX XXXXXXXX XXXX Charge Off Account XXXX XXXX XXXX Charge Off Account XXXX  XXXX Collection Account I would like to request that you investigate these items and remove any inaccurate or incomplete information from my credit report. These items are negatively impacting my credit score and my ability to obtain credit. 

I believe that the XXXX XXXX XXXX XXXX account listed on my credit report is inaccurate. I have never had an account with this company and therefore, I would like it to be removed from my credit report. Additionally, the XXXX XXXX account and the XXXX XXXX account are inaccurate as I have already paid off these accounts. I have proof of payments and I would like to submit them to you for review. 

I would also like to request that you provide me with a copy of my credit report after any corrections have been made. I appreciate your attention to this matter and your prompt response in resolving these disputes. 
XXXX : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 et seq. 

Sincerely, 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