vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
Wells Fargo Auto On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX for a total sale price of {$51000.00}. 
I provided my social security number in order to seek out financing for this vehicle. 
The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.

I do not owe any debt to Wells Fargo due to my role as a creditor 15 USC 1692a ( 4 )

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 2022-01-13 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: DISCOVER BANK
State: MD

Complaint narrative:
I would like to dispute the transaction with XXXX, in the amount of {$1900.00}. The reason is that the item was returned but no refund been issued. I have contacted the XXXX to open a claim for package lost and the merchant has approved it on XX/XX/2021 - see documents as attached. However, the credit card company ( Discover ) has never issued the refund and denied the dispute case without providing any valid evidence- they simply mentioned the transaction was found to be valid but did not follow-up on the issues was claiming for. 

As a valued customer, I have to report this case to CFPB to protect myself as a victim to this transaction. Obviously, the XXXX was responsible to pay for the package lost but not the customer, and as the merchant has already approved the claim, the credit company has to provide the refund without any delay. On the contrary, Discover provided the fake evidence showing the charge was valid but not that did not solve the problem. I would appreciate if CFPB could step in and investigate the case on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: FL

Complaint narrative:
On XX/XX/2021 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 XXXX 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, XXXX and Transunion 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 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
On XX/XX/XXXX, I received a bad check from someone and he asked me to send some amount of money from this check to someone else regarding freelancing work. I deposited the check. On XX/XX/XXXX, Wells Fargo told me to not use the money till XX/XX/XXXX because they are checking the check. 
On XX/XX/XXXX, the amount of the check was fully deposited to my account without any alert, email, or message from Wells Fargo. I sent the {$2800.00} to someone else as the scammer told me, and I was confident because I had the full amount of money deposited to my account.After XXXX hours, Wells Fargo retook the check money saying that it's a bad check!! 
I called them on that day, and they forwarded me to the Client Escalating employee. She told me, after a 40 minutes call, that Wells Fargo will give me the amount of the check back within XXXX business days. Nothing happened after 7 days, so I recalled them. A new Client Escalating employee answered, saying that we will not do anything for you and he hung out without listening to 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 monetary relief
Consumer complaint received 2022-01-13 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: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I opened a Chase XXXX XXXX XXXX business card on XX/XX/2021, using a referral link provided by a colleague. The referral link text promised a welcome bonus of XXXX points after spending {$5000.00} within 3 months. 

I spent {$3000.00} on the card in XXXX, and another $ XXXX in XXXX. I expected to receive the welcome bonus of XXXX points after my XXXX statement closes around XX/XX/XXXX. 

Instead, I received XXXX points after my XXXX statement closed around XX/XX/XXXX. 

The points were to be used towards a XXXX XXXX XXXX ( where you must accrue XXXX points in a calendar year ). So, not only was I awarded XXXX points less than the offer promised, the points were awarded earlier than expected ( in 2021 ), meaning XXXX wont be able to use them towards the XXXX XXXX. 

I contacted Chase multiple times in XXXX, providing the URL and screenshots of the referral offer, but they said the offer terms were in fact XXXX after {$3000.00} in spending, not XXXX after {$5000.00} in spending.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
I received several emails from BB & T regarding an open account, which I did not have. I spoke with the fraud department and they told me it was taken care of. I stopped receiving emails. I then received in the regular mail personal checks from XXXX XXXX  with my information ( except maybe suspect 's cell number ) on them. I called the police who filed an identity fraud report. Today I received 2 notices from XXXX XXXX, debt collectors for 2 accounts, one from SunTrust and one from BB & T ( which have now combined to become Truist Bank ). I have tried calling the fraud department for Truist Bank and never spoke with anyone because everytime I am on hold for over 30 minutes. I ordered a XXXX XXXX  Report and saw Truist Bank on the report with my social security number from XX/XX/2021, which lines up to when I started seeing the emails from BB & T.

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 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Exeter Finance, LLC.
State: NY

Complaint narrative:
Exeter Finance On XX/XX/XXXX, a contract was signed for a XXXX XXXX XXXX at XXXX XXXX XXXX. 
I provided my social security number in order to seek out financing for this vehicle. 
The total loan amount was {$41000.00} The bank agreed to participate in this consumer credit transaction for this vehicle on my behalf using my credit which I gave access to with the use of my social security card, or credit card pursuant to 15 USC 1602 ( l ) of Truth in Lending Therefore, I take the role as the original creditor due to my open end consumer credit plan pursuant to 15 USC 1602 ( j ) The bank can not be the original creditor because the role of extending credit is not a listed power of banks or financial institutions pursuant to 12 USC 1431 The bank becomes a creditor after I extended my credit to them with the use of my credit card The bank completed the transaction with the dealership which completed the consumer credit transaction The bank sent me letters stating that I am allegedly obligated to pay on a debt I have have with them for the auto loan This is a violation of the FDCPA 15 USC 1692b ( 2 ) I sent a letter to the bank requesting verification of the original creditor in this transaction.

I do not owe any debt to this bank due to my role as a creditor 15 USC 1692a ( 4 )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
This is a complaint against American Express Company for the unauthorized and unlawful release of all of my wife and Is personal financial records to an unauthorized person ( s ).

Prior to my wife and I having knowledge that Amex freely gave our personal financial records to an unauthorized person ( s ) and just days after it allegedly happened we had to file a police and FTC report because our identities and bank accounts were stolen. 
Background Im currently in litigation with my previous employer XXXX, XXXX. 
As part of discovery, Counsel for XXXX ( XXXX XXXX XXXX XXXX ) specifically, XXXX XXXX XXXX and XXXX XXXX issued a civil subpoena to American Express on or around XX/XX/XXXX. [ Case : XXXX XXXX XXXX vs. XXXX XXXX ( Case No : XXXX ) of the Circuit Court of the XXXX XXXX XXXX in and for XXXX XXXX, Florida . ] The documents requested were limited by the courts to only include : Monthly credit card statements for the accounts listed below from XX/XX/XXXX - XX/XX/XXXX. This request is limited to payments to XXXX, XXXX, XXXX XXXX, and XXXX XXXX XXXX. 
1. American Express, card ending in XXXX, expiration on or about XX/XX/XXXX, issued to XXXX XXXX XXXX ( Last 4 : XXXX ) or XXXX XXXX XXXX ( Last 4 : XXXX ), XXXX XXXX XXXX, XXXX XXXX, FL, XXXX. 
2. American Express, card ending in XXXX, expiration on or about XX/XX/XXXX, issued to XXXX XXXX XXXX ( Last 4 : XXXX ) or XXXX XXXX XXXX ( Last 4 : XXXX ), XXXX XXXX XXXX, XXXX XXXX, FL, XXXX However, without notifying me or my legal counsel and/or attempting to notify me or my legal counsel, American Express XXXX XXXX the court order limiting the scope of the subpoena and provided XXXX XXXX XXXX and XXXX XXXX ( unauthorized persons ) all ( over 150 pages ) of my Personal Financial statements. 
After I filed a police/FTC report for identity theft my attorney informed me of what happened and provided me copies of the subpoena production American Express produced to ADPs counsel. Not only did their production far exceeded the scope of the subpoena but they also violated a court order in the process On or around XX/XX/XXXX, I contacted American Expresses XXXX XXXX XXXX and informed them what happened. On XX/XX/XXXX Amex  responded who denied any and all responsibility and told me to contact opposing counsel. Additionally, at no time did AMEX  attempt to even contact me prior to releasing the records and/or to find out if we were filing a Motion to Quash. 
I appreciate your help in the matter Kind Regards, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every XXXX months. That is not fair. I want the information correct and my name and address

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 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I purchased 2 apple gift cards one for {$200.00} and one for {$500.00} at XXXX. Scammers already had the gift card info somehow cause i guess thats what scammers are doing and they took the money as soon as it was loaded. I dat at XXXX for an hour and a hslf and called apple while i was there and they said i have to call the bank and report fraud to get my money back. They also said to file a report with you. XX/XX/2022. My name is XXXX XXXX. 
Contact XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: GA

Complaint narrative:
On XX/XX/2021 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 Equifax, XXXX and XXXX data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bridgecrest Acceptance Corporation
State: MD

Complaint narrative:
The company Bridgecrest has repossessed my car without validating that the debt belongs to me. I had communicated with them over the phone and sent a certified mail addressing the need for them to verify the debt that they claim I allegedly owe. So now, I do not have my property, my car, as they illegally repossessed it. I received a mail saying that if I do not pay Bridgecrest, they will sell my car.

According to 15 USC 1692G, it states that " Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing the amount of the debt ; ( 2 ) the name of the creditor to whom the debt is owed ; ( 3 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof, the debt will be assumed to be valid by the debt collector ; ( 4 ) a statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt, or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgment against the consumer and a copy of such verification or judgment will be mailed to the consumer by the debt collector ; and ( 5 ) a statement that, upon the consumers written request within the thirty-day period, the debt collector will provide the consumer with the name and address of the original creditor, if different from the current creditor '' I have not received either of the following from Bridgecrest, so they have violated this Congress law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Comerica
State: OK

Complaint narrative:
I was informed by XXXX that someone attempted to use the card in question. 

In addition to that there was a total of $ XXXX dollars taken from this account by someone other than myself. I don't want the money but I would like to have some kind of response from this bank who operates under some kind of federal contract, what a travesty, that they acknowledge their misgivings and close this account to never hear from them again in life. This episode happened in 2021 I called number after number NO ONE ANSWERS THE PHONE, neither Co-America Bank OR Direct Express. 

I sent this letter dated XX/XX/2021 special delivery return receipt requested I got document from them later in the year 2021 which was something like when you open an account nothing addressing my issue, my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: INDEPENDENT BANK CORP.
State: MA

Complaint narrative:
I had XXXX XXXX transfer my {$750.00} balance to my regular bank ( Rockland Trust ) Initially, it looked as if they were transferring to the wrong account, so I tried to reverse the deposit. I am now being told by XXXX XXXX that the deposit went through to Rockland Trust, but the reversal was denied by them. I spoke with Rockland Trust ( Branch XXXX XXXX XXXX ) that the reversal went through and XXXX XXXX now has the money. This was also verified by Rockland Trust 's website. This happened on XX/XX/2021. I have called XXXX XXXX numerous times, Emailed them, chatted with them. The discussion always ends with them saying I need to file a complaint with Rockland Trust. 
I asked Rockland Trust to help and they refused, saying they can not dispute any transaction over 24 hours old. 

Please Help

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Northern Resolution Services
State: TX

Complaint narrative:
Contacted by Northern XXXX Services  and threatened. Was told they are serving me papers unless I pay them right away. Also trying to contact friends and family using fraudulent claims and illegal tactics. This company is a known scam and already been fined several times for using deceptive and illegal practices. Their numbers are XXXX and XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: PENTAGON FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Hi, My account has always been set on autopayment with funds being drafted automatically monthly. Something happened where the account was no longer being auto paid monthly that was unknown and unannounced to me. I always assumed that I was making monthly payments. 

It was not only when I was trying to buy a house did the lender notify me of this situation. I immediately paid off all late fees and put the payments back on monthly autopay. Pen Fed ( my heloc ) would not remove the late reports.

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 2022-01-13 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: Global Asset Agency, Inc.
State: TX

Complaint narrative:
On XX/XX/2021 I mailed a debt validation letter via certified mail with a return receipt, tracking number XXXX, to Global Asset Agency due to the company reporting an erroneous account on my credit profile. Upon further inquiry, the address listed on my credit report for the company is none other than a Virtual Mailing address and that this company has failed to be available for delivery of my mail piece to sign for the return receipt. This company never attempted to contact me and has never made any contact by mail. This company has not provided proof that this erroneous account belongs to me. They illegally place an erroneous account on my credit profile. Attached to this complaint is my debt validation letter sent to Global Asset Agency pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 { b }.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have filed a dispute in regards to an inaccurate Account on my consumer report. It has been well over 30 days and I haven't received any investigation results.

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 2022-01-13 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I have tried years to fix loans being incorrect or delinquent. They closed the loan and keep bringing it back. Every 6 months. That is not fair. I want the information correct and my name and address

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-13 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Western-Shamrock Corporation
State: TX

Complaint narrative:
I received a loan of {$1000.00}. They charged me an outrageous repayment of {$180.00} per month.

Company response to consumer: Closed with explanation