vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-08 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:
In accordance with the Fair Credit Reporting act, 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 XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions Credit inquiries I don't recognize those Hard Inquieres in my Credit Report : - 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 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 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 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 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 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 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 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

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 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
I tried to close my account due to an upcoming annual fee, so I contacted the credit card issuer for this matter. They said they will close it and clear the balance, so I didnt need to do anything and worry about anything. This initial communication happened in XXXX, and I was just informed by the credit reporting bureau that my account is past due and my debt was sent to collection. Ive tried to contact the Barclays XXXX for the last 2 months, and each time they told me the same thing : dont worry about it. We will take it off in 1 billing cycle, but now they want me to pay in full + interest. Customers please be aware!

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor XXXX Bank XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit 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 non-monetary relief
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PACIFIC WESTERN BANK
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX has a business checking account with Pacific Western ( 'PacWest '' ). On XX/XX/2022, PacWest was notified that check # XXXX, dated XX/XX/2022, amount {$470.00} payable to XXXX XXXX XXXX XXXX XXXX XXXX has been fraudulently cashed by PacWest. PacWest had issued {$7500.00} payable to XXXX XXXX. XXXX XXXX, management agent for XXXX, utilizes a number financial institutions and PacWest is the only bank where we have experienced multiple cases of fraud bringing into question the effectiveness of their monitoring procedures. XXXX XXXX ( XXXX ) XXXX of PacWest has stated in several emails that it general y takes 90 to 180 days to get restitution. That time has passed. XXXX XXXX ( XXXX ) was also contacted with no response. Several attempts have been made to get reimbursed with no success. At PacWest 's request, we enrolled in " Positive Pay '' a program provided by PacWest to reduce fraud. Although it is somewhat cumbersome, we do it as part of our fiduciary responsibility to combat fraud.

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 2022-09-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
CFPB + TransUnion, This complaint is in relation to a credit account this creditor ( XXXX XXXX  XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit 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 non-monetary relief
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
CFPB + Experian, This complaint is in relation to a credit account this creditor XXXX XXXX  XXXX XXXX XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted and blocked from being reported to credit file are listed in the report I am a victim of identity theft and did not make the change. I asked that the items be deleted and blocked to correct my credit report. I reported the theft of my identity to the Federal Trade Commissions Identity Theft Affidavit. Please delete these items as soon as possible, thank you for your time.

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 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: NY

Complaint narrative:
Truist bank froze my account pending my fraud claims to be resolved which have all been resolved in my favor and I still cant access my account I would like a new bank account and my money transferred to it or close my account and send me a check 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 2022-09-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: IL

Complaint narrative:
On XX/XX/XXXX I received notification from XXXX XXXX that the customer service of my federal student loan account would be transferred to MOHELA but that my loans would still be owned by the U.S. Dept. of Ed. The letter stated that it would be transferred on or about XX/XX/XXXX. 

Then, on XX/XX/XXXX, I received an email that loans would be transferred to MOHELA within 30 days and to go ahead and set- up my account using the information they had provided. 

I went ahead and set up an account and within a couple of days, my account said that all information would be available on XX/XX/XXXX. On XX/XX/XXXX I checked my account and the account stated that I was " in good standing '' and my balance was showing {$0.00}. 

On XX/XX/XXXX, I checked my account again and it stated that all the information relating to my loan would be available on XX/XX/XXXX. At this point, I knew I was getting misleading and bad information. I checked my account on XX/XX/XXXX and again, it stated that I was " in good standing '' and my balance was showing {$0.00}. 

I called MOHELA immediately because I am getting conflicting information after years of getting bad customer service and faulty information with XXXX XXXX. I am also in the process of purchasing a home and further steps can not be taken until my student loan information is established with MOHELA. 

I spoke with XXXX on XX/XX/XXXX who informed me that the processing time is about 10 business days. I explained that I am well over the 10 business day mark but she could not give me a reason why and had no access to any further information to help me access my new account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: GA

Complaint narrative:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

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 2022-09-08 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:
I sent letters out to all 3 credit bureaus regarding items on my credit report that are not accurate which is a FCRA violation and you must abide by the law. All information I have provided in my letters is true and accurate to my knowledge. I am the one sending the letters and filing this complaint with no help from a credit repair or 3rd party. I know this is a violation of my rights due to the bureaus not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I just want these accounts to be removed from my credit report immediately or I will take legal action and hire a lawyer. I am trying to purchase a home soon and these negative items are holding my score back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: MO

Complaint narrative:
I received an email from American Ex Expeess saying I have been preapproved for the American Express gold card, offering me XXXX points as an introductory offer. Of course, when I applied, I was denied. I contacted them about this and they said pre-approved means that I still have to apply and can be rejected and that these offers are automatically generated. 

Having your credit report pulled for your application to be ultimately declined has a negative effect on your credit score. 

I also had to waste time, reading the email, reading and filling out the application, contacting asking about this, and then finally time used to fill out this report

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
CFPB + Equifax, This complaint is in relation to a credit account this creditor has re-aged ( XXXX XXXX  ) illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX all 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 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 explanation
Consumer complaint received 2022-09-08 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: FL

Complaint narrative:
CFPB + Experian, This complaint is in relation to a credit account this creditor ( XXXX Bank XXXX has re-aged illegally and I would like removed immediately. 

attached to this are : - my drivers license - my social security card - my address- my written complaint - screen shot where located on credit report Please have this illegally re-aged account removed immediately from my credit 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 2022-09-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
I not sure this was me, because I have did alot time in D.O.C..XXXX XXXX XXXXXXXX ... ..also I been locked up even this wasn't me at least work out a lower or settle for smaller payment ... .Thank you have nice day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Hollis Cobb Associates
State: GA

Complaint narrative:
I have been repeatedly contacted by Hollis Cobb Associates for a medical bill from XXXX XXXX in XXXX, GA that was paid in XXXX of XXXX The creditor sent notice to Hollis Cobb Associates that the debt was paid on XX/XX/2022. I have received weekly calls and deceiving messages ever since. I have repeatedly told them the debt was not valid. I can't stand that these people know my personal information and it was given to them by a medical professional over {$60.00}. Unbelievable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TRUIST FINANCIAL CORPORATION
State: KY

Complaint narrative:
In XXXX of XXXX I attempted to open a checking account using the promotional offer code " XXXX '' in order to receive a {$300.00} bonus once meeting XXXX min. direct deposits. After a few days I did not receive any update on my request so I tried again, using the offer code again, this time the account opened right away. However, once I logged in there were XXXX opened accounts. 

I called customer service and requested the duplicate account be closed. Since then I have met the terms of the promotional offer. After contacting customer service they state that the promotional offer was only tied to the duplicate account. Clearly I had opened the account using the promotional offer, met the terms, and the duplicate was an error that was quickly rectified. I was denied the bonus on a technicality and it is a computer error. Truist is not willing to honor its promotional offers.

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 2022-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: MN

Complaint narrative:
Good morning I have been a customer of Wells Fargo for many years. I live in XXXX, XXXX. That's why I opened an account at that time, which charges little account maintenance fees. 
In XX/XX/2022 I got a letter from Wells Fargo that I have to close the account because I don't have a permanent address in the XXXX XXXX XXXX XXXX I didn't understand why Wells Fargo is requiring this now and I haven't found any federal law in the XXXX that requires this. I felt a kind of discriminated against at the time, but accepted it. 
I tried to transfer my funds online from my Wells Fargo account to XXXX. Unfortunately, that didn't work out because I don't have a permanent address in XXXX. 
I called Wells Fargo on my own costs and was told that I needed to fill out an Account Closure Form. This form must be verified by a notary, it must be mailed Wells Fargo Bank Exception Payment Account Closures in XXXX and the beneficiary must be the account owner. Since I personally do not have a USD account in XXXX, I indicated the bank account of my wife, who has a USD account, and had this change confirmed by the notary. 
In my opinion, the bank holding the account has only XXXX right and duty, it must clearly identify the account owner. Wells Fargo has done this via email contact and phone contact, but the bank has no legal right to ask for a specific beneficiary. Anyway, my lawyer and I have not found any mandatory law in the American legal system. 
My attached account closure form with a new account in my name and my wife 's name is again not accepted by Wells Fargo. Wells Fargo now requires that my request be confirmed by the XXXX XXXX in XXXX and that the request be sent by mail again, even though I always communicate with Wells Fargo 's compliance department via secure email. 
I don't understand Wells Fargo 's behavior because the money in my account is mine and I can transfer it wherever I want. 
There is no federal law in the XXXX that dictates who I send my money to. 
My suspicion is that Wells Fargo 's action is systematic with the purpose of wearing down foreign bank customers without a permanent XXXX address and forcing them to give up their funds. 
I respectfully request that you address my concerns on behalf of all other foreign customers without a XXXX residential address. 
Best regards 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 2022-09-08 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: FL

Complaint narrative:
With no dates, as of XX/XX/2022, it shows I have a delinquent account by XXXX days. I have checked every account through XXXX. This is not the case. Equifax is incorrectly reporting my credit and caused it to decrease by XXXX points.

Company response to consumer: Closed with explanation