vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-05-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
In XXXX we had XXXX In our saving account in Wels Fargo bank and XXXX income per month. Because Mr. XXXX and I wanted to buy a condominiums for his old age with elevator and myself because of The age gap. I was much younger than him. so we filed an application for purchase loan loan with Wels Fargo was denied because of his age ageism and I was a woman. so we had to get loan from an XXXX  lender to purchase our property even with XXXX Savin in that bank and a good monthly annuity. 
We didn't do anything about it. But we know was discrimination. 

Then in XXXX Mr. XXXX started having memory issues and we needed to create a joint account so I could manage our finance in one account since he was not able to. our finances and mortgage and some mistakes and most importantly he wanted me to deal with them. 

we went to the XXXX XXXX Wels Fargo branch. We were insulted assaulted and accused and they literally detained Mr. XXXX for questioning him not letting him talk to me. XXXX XXXX interrogated him and me even with our marriage certificated they refuse to service us. Desperate We had to close our account and go to XXXX XXXX  to open an account and create a joint account. He was at the time at early stage of memory loss he was Still driving. so disturbed about the incident he started having XXXX  that they wanted to take him away from me and take our money. so he insisted that he wants to leave America. I had to assure him and not to let him see my tears. which Has caused me So much XX/XX/XXXX and XXXX since he has passed away in XXXX. I am seeing a XXXX  now. That incident has caused us so much financial damages and caused him pain and anguish and XXXX. And me to be humiliated threatened me to call the police on us. I need to let them know they abused my elderly husband discriminated us for loan and caused us so much pain and anguish. I am planning to file a lawsuit against 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
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: IL

Complaint narrative:
I tried to purchase a membership through XXXX XXXX, but it's continuing to deny my American Express card..Can you help me with this?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Midwest Fidelity Services, LLC
State: LA

Complaint narrative:
I was never notified that I could dispute the alleged past due payment

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: National Credit Systems,Inc.
State: TX

Complaint narrative:
I have sent numerous of dispute letters asking for validation, after I received calls saying I was going to be sued for a debt of I didnt pay. Syed every attempt my credit report has been updated but I have never received the validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Professional Receivables Network
State: PA

Complaint narrative:
I'm submitting through this site for help. This collection agency has not proved this account is mine. They have not sent me any of the proof : *Assignment clause *Notarized letter of debt purchase *Signed contract from original creditor *Copy of license to collect in my state legally

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-05-24 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX is reporting accounts on my consumer report against my will and the federal law. 

I have ask them to remove the accounts XXXX and XXXX of 2021 and they just say that the accounts we're validated which was a lie. I am the consumer and original creditor pursuant to 15 USC 1601g. I regularly extend credit and am a natural person. Experian never sent my anything requesting a validation. So, they flat out lied and the CEO needs to be put in federal prison for at least one year and fined according to law. I am demanding that you delete all the below accounts immediately not in 30days. You have hurt my ability to obtain credit and live a normal life. I am unable to maintain my family household use due to your negligence and failure to get my permission to report. 
XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX To Whom it may concern : ( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report TransUnion, Experian, Equifax do not have my permission to report anything on my consumer report without my permission. I was never asked or notified!

Get these accounts off my consumer report in the next 48 hours or I'm suing the CEO and he can spend time in federal prison for all I care not. He has cost me everything! 2021 Under 15 U.S. Code 1681b ( e ) 1 -Permissible purposes of consumer reports ( a ) IN GENERAL subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) in accordance with the written instructions of the consumer to whom it relates.

( e ) Election of consumer to be excluded from lists ( 1 ) In general A consumer may elect to have the consumer 's name and address excluded from any list provided by a consumer reporting agency under subsection ( c ) ( 1 ) ( B ) in connection with a credit or insurance transaction that is not initiated by the consumer, by notifying the agency in accordance with paragraph ( 2 ) that the consumer does not consent to any use of a consumer report relating to the consumer in connection with any credit or insurance transaction that is not initiated by the consumer.

Concerning the account listed below as a consumer Im demanding the deletion of the accounts below from my consumer report and file. 


1. XXXX XXXX XXXX XXXX 2. XXXX XXXXXXXX 3. XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
XX/XX/2021 I applied for the Apple Card using the my information that has not changed on any previous applications I have submitted. I was told by the Apple Card by Goldman Sachs Manager that I can reapply anytime but for some reason that is not true. When I submit an application I continue to get You have applied a number of times and we can not verify the information you have provided at this time so basically they arent allowing me to reapply. Since XX/XX/2021 which is another day that I had applied there has been changes to my credit report but they are not allowing me to reapply.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I ask to the company please send to me a copy of the original application with my signature if application no longer available please remove this account from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: MD

Complaint narrative:
I have a bankruptcy reporting on experian, XXXX and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.

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 2021-05-24 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: NY

Complaint narrative:
I am writing to dispute the fraudulent items from my credit report. These accounts that are listed on my credit profile are charges that I did not make. I reported this to the Federal Trade Commission, and I attached a copy of the Affidavit to this complaint. Please be advised that the unverified items remain on my credit report. I have yet to receive documentation from the original creditors to verify that the information is mine and is correct, which is required by law. Since I have not received any documentation from the original creditors please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: MD

Complaint narrative:
I have a bankruptcy reporting on XXXX, XXXX and transunion. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.

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 2021-05-24 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: MD

Complaint narrative:
I have a bankruptcy reporting on XXXX, equifax and XXXX. First of all it is illegal and against the fcra for anyone to report anything without my permission. A bankruptcy does not belong on my report because I didn't give permission. The bureaus are violating my privacy rights. I asked for debt validation of this alleged bankruptcy and received that it was validated by the US bankruptcy court. I contacted the bankruptcy court and was informed that they do not validate with any credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2021 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 60 days later i have not received a response yet. I feel like im 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 60 days so they should be deleted promtly. I demand these accounts be deleted immediately or i will file for iltigation 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 2021-05-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
This is not my home address. Please verify and delete 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 explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: ROBINHOOD MARKETS INC.
State: NY

Complaint narrative:
About XXXX months ago, I started investing my money on stocks through Robinhood App. When I decided to transfer my money out of Robinhood, it restricted my action because the initial bank account that registered with my Robinhood account was not the same as the one I would like to have my money transferred to. Thus, my request can not be fulfilled and they closed my account eventually without notifying me. Later, I got a call from their representative, he told me that my action requires their specialist to call me to assign a money order then I can withdraw my money from my local bank. However, during the past three months, I tried to reach them out and kept sending emails to their customer service email address regarding the same issue. None of my emails got a legitimate response from their side except those automatic replies. I deeply doubt that I got scanned by their company. Especially, considering the raging and increasing accuses and complaints pointed to their company since the 'XXXX XXXX XXXX '' I really don't know what to do and where to ask for help now. My family and I need this money to survive. Please help us find a way to get my money back. For your reference, I have attached some evidence below. Please don't hesitate to contact me if you need my further corporation. Your help is highly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BARCLAYS BANK DELAWARE
State: LA

Complaint narrative:
I entered a consumer credit transaction with BARCLAYS and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that BARCLAYS claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. BARCLAYS has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

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 2021-05-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. Reporting without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in thirty ( 30 ) days to failure to comply with these federal regulations by the FTC U.S C41, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 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: FL

Complaint narrative:
After reviewing your letter which I attached from your company, Equifax, stating why you have refused to block the fraudulent information from my credit report I found it very interesting. Your company said in accordance with Section 605B of the FCRA you have determined not to block this fraudulent information subject to the submitted identity theft report and/or police report that I provided. That decision is not up to you, you only have the right to deny or rescind a block if there was a misrepresentation of material fact relevant to the request to block, or I have obtained possession of goods, services, or money as a result of the transaction issue. This request was not made in error. I, XXXX XXXX, did not make this request in error. I also did not receive any goods, services, or money as a result of the transaction issue. I also sent the report which I have made with the Federal Trade Commission with my original letter, which I have attached to this complaint, and that is certainly not a misrepresentation of material fact being that these accounts are in fact fraudulent. So, please explain exactly why this fraudulent information has not been blocked from my credit report? The reason that you have listed does not apply so I can only believe that your company is purposely reporting this fraudulent information to my credit report which is an act of constructive fraud. So pursuant to 15 USC 1681c-2 and the fact that your company has clearly lied, your company, Equifax now has 4 business days after receiving this complaint to block and remove these fraudulent accounts. Please review the attached copy of 15 USC 1681c-2 of the FCRA for your recollection. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLIANT CREDIT UNION
State: LA

Complaint narrative:
I entered a consumer credit transaction with ALLIANT FCU and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLIANT FCU claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLIANT FCU has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: FIRST NATIONAL BANK OF OMAHA
State: CA

Complaint narrative:
Called Numerous times over the last several years to get them to correct the write off amount of a settlement and they refuse and said hire an Attorney.

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 2021-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: LA

Complaint narrative:
entered a consumer credit transaction with ALLY and as a result they used my credit card ( as described in 15 USC 1602 ) and was extended credit in a consumer credit sale. they are now claiming that they originated the credit I extended to them, in which my insurance was not included in the finance charge ( sum of all charges ) Pursuant to federal law They have committed fraud and several violations of the FDCPA and TILA. They are now threatening me for an alleged debt that ALLY claim I owe. I never received a Material Disclosure of any of the information that was supposed to be provided to me. ALLY has taken an unfair advantage of me as a consumer and they should be held accountable for deceiving me.

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 2021-05-24 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: Alpine Credit, Inc
State: NM

Complaint narrative:
On XXXX I was seen at the Emergency Room in Colorado. I am a XXXX and I am covered with the Veterans Administration. XXXX XXXX XXXX XXXX ( XXXX ) XXXX sent me a Non payment XXXX of XXXX with Interested Balance showing the amount of XXXX that was sent to Collections on XX/XX/2021. 
I immediately contacted them and advised them of the VA paying for this bill. I also contacted the VA Medical Billing XXXX and they advised me that they would contact XXXX XXXX XXXX. I received an updated billing statement on XXXX with a XXXX Balance. Indicating CODE 9906 " UNTIMELY FILING " The Bill was mis-handled and now it was PAID in FULL. 
This resulted in my Credit Score going from XXXX to XXXX, it is effecting my Credit drastically. 
I was given this number re : XXXX to help identify this Bill

Company response to consumer: Closed with explanation