vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-05 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: PENTAGON FEDERAL CREDIT UNION
State: MI

Complaint narrative:
On XX/XX/XXXX, I received an email from XXXX stating that I had a new hard inquiry on my credit report. Soon after, I received the same alerts from other credit bureaus, credit karma, bank, and credit card accounts. I looked into the alert and saw that I had a hard inquiry from Pentagon Federal Credit Union " PENTAGON FEDERAL CR UN recently checked your Experian credit file for an installment loan or new bank account. '' I then attempted to contact XXXX and Pentagon Federal on XX/XX/XXXX. XXXX was closed for the XXXX XXXX holiday and Pentagon Federal never answered ( I tried the number provided by the creditor, listed on XXXX ). 

On XX/XX/XXXX, I tried to dispute the inquiry via XXXX online but was informed I needed to call. 

Today, XX/XX/XXXX, I contacted XXXX and had the first representative place a Fraud Alert on my account to ensure that I am contacted if someone tries to obtain my credit report. I also filed a dispute with XXXX, over the phone, and they said I should see it removed from my account in the next XXXX hours. They then informed me that I should contact local police to file a report and submit a complaint through the government. Then, they said I need to upload proof that I had submitted complaints and tried to contact the creditor, Pentagon Federal. After I talked with XXXX, I tried Pentagon Federal at XXXX different phones numbers ( XXXX, XXXX, XXXX - no answers or machines to leave messages ), via chat bot ( not a human so wasn't understanding my request ), and submitted a message via their Contact Us page ( have not heard back yet ). Then, I called my local police department to ask how to file a report and they instructed that I should come in and bring any documentation I have ( I am planning on doing this still ).

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 2022-01-05 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: GA

Complaint narrative:
I would like to submit a complaint because I sent a letter to the credit bureaus on XXXX-2021, and I have still not received a response. It's been over 45 days, and I desperately need for them to update my credit report based on the items I have disputed and asked them to correct. I need the items to be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of financial fraud. In XX/XX/2021, a checking account was opened under my name and social security number at a bank that I do not have any financial relationship with. I discovered this when introductory checks were sent to my home address for the account which I did not open. I took all the time-consuming recommended steps to address this issue, including filing a police report, opening an FTC identity theft report and following all instructions, obtaining an affidavit from the bank where the fraudulent account was opened, gathering documents, and going through the steps to have an extended fraud alert placed on my file with one of the credit bureaus. 

I supplied XXXX with all the requested documentation and XXXX placed an extended fraud alert on my file. Although this should be adequate to have an extended fraud alert placed on my credit reports with other credit bureaus, XXXX says they have not placed a fraud alert on my file and I have no idea if Transunion has or not. 

XXXX says they do not have a fraud alert on my file and I have been told by an XXXX representative that XXXX has no record of a fraud alert notification for me. 

I do not know if Transunion has a fraud alert on my file. I was unable to overcome Transunion 's IVR system that blocks consumers from speaking with a live person so I have been unable to inquire if Transunion has placed a fraud alert on my file or not.

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 2022-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Never received a written notice of debt. I didn't know the company existed until they report to my credit without receiving a written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
On XX/XX/2021, I let my sister use my card to purchase a pre order for XXXX  cards on a website called XXXX in the amount of {$510.00} dollars, that should have been shipped out by late XXXX. However, she did not receive any items. Nothing was updated, nothing was shipped, and the company did not reply back in any form of communication. The shipping label that appeared on the link is also fake. When the link is clicked, the label is not in the system appears. I've tried emailing, twitter site, and calling multiple times, but no response at all. Reading reviews, other customers were facing the same situation I was in with this company. I tried logging back into my account to print out the receipt, but the company has deleted there official website, XXXX  account, and email so no one can get a hold of their account history order and could not contact them. This company has an actual store in XXXX, IA, but they do not pick up the phone. I tried to dispute this charge with my bank, but because its passed 60 days, the BECU  bank said they could not open a case for me in any circumstance, even though I had brought documented evidence for them being a fraudulent business and I was being scammed. They did not present me with any alternatives to approach a fraudulent case and I was turned away with no options.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-05 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I discovered the following inconsistencies in my Personal Information, and I would like to have all of the false and misleading information removed from my credit report. These inaccuracies have harmed my creditworthiness and limited my ability to obtain fresh credit, and I have been contesting them for a long period. 
I've made a list of the details on my personal information that is falsely reported and that must be removed immediately. 
Name : I do not have any other names or aliases required, and I do not want any other names or aliases to be kept or disclosed. 
Address : I do not have any additional current addresses, and I do not want other addresses to be kept or disclosed. 
Birthday : I do not have any other dates of birth that are required, and I do not want any other dates of birth to be kept or disclosed. 
Employers : I do not work for these employers listed and I don't want them to be kept or reported.

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 2022-01-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: Chime Financial Inc
State: NY

Complaint narrative:
On Thursday, XX/XX/2021, I made a dispute of XXXX they made a mistake that chime try to say that they gave me my XXXX back they found out it was an error they had emailed me and they said I won the case. in order them to give me my money back they said they gave to me it back XX/XX/XXXX which is not true it would have been in the bank statement I would had had more than XXXX or it would have taken out of my account it would have stated that on my bank statement and app. Chime try to give me a provisional credit of XXXX when my account was XXXX when they put it XXXX. I ask them why is XXXX they said that they gave me a provisional credit of XXXX and my account will be back to XXXX back. and that never happen they gave me an excuse. I explain to them that in XXXX world remit gave me my refund and they took it back again the keep giving it to me and keep taking it back. now they said that I was able to lose my money because I made a transfer XXXX and gave the transfer to friends which I told them it was not me I was a scam that when I close off my card. The dispute department did that to me. XXXX gave them arn number for them to trace the money where they can trace my money that worldremit put back to my account they refuse to do it. The dispute department instead they took down the information and I dispute and won the case again and still refuse to give me back my money. Chime the dispute department refuse to check my balance to see what I was talking about.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: MI

Complaint narrative:
I am XXXX XXXX XXXX natural person and consumer. I a writing this with no outside influence from a third party. Please review the attach documents to see the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: OH

Complaint narrative:
This letter is served upon received. 

It has come to my attention that I am a federally protected natural person as defined under the Truth in Lending Act 15 USC 1602e. 

Please be advised on XX/XX/2021, at XXXX pm Goldman Sachs and XXXX willfully and negligently violated my federally protected consumer rights. Goldman Sachs Bank USA and XXXX XXXX are in fact in violation of but not limited to the following federal laws ; 15 USC 1691 d ( 6 ), 12 CFR 202.9 b ( 2 ), 15 U.S.Code 1692d ( 2 ), and 18 USC 1028. I was denied an extension of my credit although I am the original creditor and provided my social security card number and XXXX benefited from the consumer credit transaction and I did not. 

I demand you : - grant me an open-ended unlimited credit plan - zero out the balance each month - pay the attached invoice in the amount of {$120000.00} by mail to the address listed- an audit trail mailed to the address listed above those entails the application and consumer credit transaction I entered yet did not benefit from If you do not cease the law violations mentioned above, I will pursue litigation against XXXX XXXX and/or Goldman Sachs Banks USA as 15 USC 1692k a ( 1 ) allows civil liability rewards for any damages, which include stress, mental anguish and other damages caused by violations due to XXXX XXXX and Goldman Sachs Bank USAs deceptive business practices and negligent/willful noncompliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: TX

Complaint narrative:
I did a refinance on my home with Caliber Home loans, same company that held the previous mortgage, and closed with the title company XXXX XXXX on XX/XX/XXXX. I received an escrow analysis saying that my mortgage was going from XXXX to XXXX a month. I knew it was going to go up but not by this much, so I called Caliber and they informed me that the taxes on the property were going up and there was a deficit in the current escrow to cover the current year taxes. At this point I checked online to see what my new taxes were going to be, and at this point is when I found out that my XXXX taxes had not been paid and a tax certificate had been issued against my property. On XX/XX/XXXX, I contacted the tax collector and paid XXXX because I was worried that I might lose my property before this could be resolved. When I was talking to the tax collector, I was informed that a check had been sent to them dated XX/XX/XXXX check number XXXX in the amount of XXXX from the title company XXXX XXXX. The tax collector rejected the check and returned to XXXX XXXX because the amount of tax owed was XXXX. I called XXXX XXXX and found out that they received the check back and called Caliber to find out what to do with the funds. Caliber instructed XXXX XXXX to return the money to them as the taxes had been taken care of by them. Caliber cashed XXXX XXXX check for XXXX on XX/XX/XXXX but would not tell me where the money went. I have been trying to get this resolved since XXXX, and after hours of being on the phone, being on hold, and finally after yesterday XX/XX/XXXX being told, by a tax division supervisor, that Caliber is not responsible and that the title company is responsible for this mistake. I also spoke with XXXX XXXX, and they say that they are not responsible either. All I know for sure is that I did what I was supposed to do and we almost lost our house putting our trust in to Caliber to protect us from this issue, and now they are blowing it off like it doesn't matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: GOLDMAN SACHS BANK USA
State: AR

Complaint narrative:
First complaint : XXXX CLOSED YOUR COMPLAINT On XX/XX/XXXX, I bought a sofa from XXXX. they delivered me the incorrect sofa model and color. I called them to report the issue and so far they have not send no one to pick up the wrong one and send me the correct one. I have disputed the charges for {$2100.00} plus interest with apple card ( Goldman Sachs ). they never sent me any status o my dispute and they have keeping posting again the charges on my account. they not helping me at all, with this scam. Second complaint : Company responded : Goldman Sachs Bank USA received the above-referenced complaint related to the Apple Card via the Consumer Financial Protection Bureau ( CFPB ) Complaint Portal on XX/XX/XXXX. The Bank appreciates the opportunity to address the concerns raised by XXXX XXXX XXXX XXXX Customer ). The Customers concern references a transaction dispute with the merchant, XXXX, in the amount of {$2100.00}. The Customer initially stated the merchant shipped an incorrect item. The merchant voided a return refund, as the Customer opened a transaction dispute with the Bank. The Bank initiated a three-way call with the merchant and the Customer to facilitate a return of the incorrect merchandise. The merchant advised they are able to schedule a pick-up of the merchandise for the Customer, once the dispute is resolved. The Bank has resolved the dispute in favor of the merchant, as the merchant has agreed to arrange for a merchandise pick-up for an exchange or return. The Customer is requested to contact the merchant in order to schedule a pick-up for the returned item. Based on the above details, we kindly request this complaint be closed. Goldman Sachs is in violation of my consumer rights. this issue I had to deal with it has been for the past 9 months. I never agreed to this terms ( Please request recordings of our interactions ). I have tried multiple times on returned the merchandise e and they always lie to me saying they going to send someone to pick up the sofa and they dont send no one. 

Now I returned the merchandise as agreed and they still charged me for the transaction and now they telling me there is nothing they can do because has passed a year now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
We've banked with Wachovia/Wells Fargo for years. 

This is our last year. 

Wells Fargo has opened XXXX different checking and savings accounts in my name over the past 10 years - Even when we told them not to. When we asked for an escrow account, they opened up another savings account. 

The real issue here is the fees. Each account has fees taken out every month. They are literally stealing from us. Then, when we had an issue with a check deposit in a branch, they drained our account, charging us fees for every transaction that was impacted by this event. 

I'm done. We tried to close these accounts. They keep charging and charging. I do not know how to end this one, but I know they've really screwed me here.

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 2022-01-05 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: PA

Complaint narrative:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. Regardless of the multiple written requests, the unverified accounts listed below are still reporting on my credit report in violation of federal law. The Equifax Credit Bureau failed to comply with the Fair Credit Reporting Act, 15 USC sections 1681i within the time declared by law and continued reporting of unconfirmed information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Please remove the following accounts completely from my Credit Reports : XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date Opened : XXXX XXXX XXXX XXXXXXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX {$0.00} Date Opened : XX/XX/XXXX XXXX XXXX {$0.00} Date opened : XX/XX/XXXX XXXX XXXXXXXX XXXX {$370.00} XXXX XXXXXXXX {$3700.00} XXXX XXXX XXXX {$5200.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-06 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have attached and FTC report, Please revise and delete this account is affecting me from buying a house.

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 2022-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have a current complaint # XXXX. Bank of America called on XX/XX/2021 confirming receipt of the complaint. XXXX at the XXXX XXXX XXXX XXXX. advised Bank of America would be calling to update with the resolution to the issue by XX/XX/2021. I have not received a response from them to date. I was given a number to call ( works ) and extension that doesn't work, XXXX ext XXXX. No options to speak with someone.

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 2022-01-05 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: CA

Complaint narrative:
Newrez owes me {$6600.00} due to an escrow refund. Their website clearly shows this on XX/XX/XXXX. I have talked to multiple representatives that state they sent a wire transfer on XX/XX/XXXX. I never received any such transfer. A supervisor named XXXX at Newrez stated they keep the escrow refund because " he's been in the business a long time. '' This will be an entire years of waiting as of this Friday XX/XX/XXXX. I have attached a copy of my payments history with escrow refund clearly shown in red. This from Newrez 's own website.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-05 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: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have tried several times reaching out and I am done. They send me copies of and old Teen Checking Account. I am talking about the WellsFargo Credit Card that I have never seen or even had in my possession. Please make it make sense. This ongoing saga of Wells Fargo and alleged cases of fraud leaves me with only two questions : As this case refers to actions from XXXX to XXXX, and as the previous cases were also from earlier years, is this something that finally will stop? Does the bank have the necessary culture, controls, and management to eliminate the problems? 
Why would anyone trust this bank in any form at all?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation