vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
On XX/XX/2022, I went to branch to withdraw XXXX. I was greeted and asked how my day was advised that I am going to buy a house and go on vacation. The rep stopped and asked if needed a cashier 's check. Saud no the purchase is being done privately and cash is needed for some down money but majority is for vacation. She asked if knew XXXX or XXXX but did not give last name. I heard XXXX XXXX and said no. Which triggered the rep to call Fraud dept. She never said XXXX XXXXXXXX XXXX  last name which would have solved issue. I was expecting funds from XXXX from tax return not XXXX. I even asked if XXXX was associated with the tax deposit and was told no. So let situation go. I was told the account is blocked for fraud in middle of floor. I stood up and said will be closing my account. XXXX stated they are closing account. I left branch when I got home received call lecturing me in fraud. Now really upset talked to XXXX stated he woul help anyway possible. So on XXXX, I call XXXX and spoke to XXXX. Told my situation and case not fraud. Owners of funds will provide information to prove funds meant for me. Told they would not speak to him. Said would provide ssnto verify or can make a code word. Said not a holder on account so can't do either. Said can he fax tax return to prove they put the account number of sending funds to me. Said can fax but not sure they will do anything with it. Said how can I prove not associated with fraud and avoid a closing of account and report to XXXX XXXX. Didnt know. Said could go to branch. I Said what can they do? Not much because business decision to close account not fraud. So funds will be returned to Irs which were for me to get medications vacation house hold payment and bills since haven't worked in XXXX years due to several health issues including XXXX XXXX and can't open another account because of XXXX XXXX reporting. Want funds returned to me in check form not returned to IRS or state unclaimed property. Need money to live.

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 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I received several calls from a company, stating they were MCM. Which supposedly a debt collector instead scam. They kept asking for my name but I didn't yes or no. Also asked me last XXXX numbers they had was mine. I didn't tell them if those numbers were correct. I told l will have my attorney to file a complaint against them. -- -- -- -- -- -- -- -- End of statement -- -- -- -- -- -- -- -- -- ---

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
My name is XXXX XXXX live at XXXX XXXXXXXX XXXX XXXX, MD XXXX, Phone number XXXX. I filed my income tax returns for the XXXX  tax year and my tax preparer accidentally entered the wrong account number. The money was sent to Bank of America ; state sent {$4500.00} on XXXX  XXXX and IRS sent {$7100.00} ( this is adjusted returned ) on XX/XX/XXXX. When i noticed the state refund did not show up after a couple of days, I called my tax preparer and went over the banking info and noticed the error. I called bank of America a few days after the state refund was issued and was supposed to show up in my bank account with 24hrs but did not. I was told to give a couple days and that the fraud detection system was going to alert the them and they will return the refund to the state. That could take up to 10 business days. After 10 bussiness days i called them and they said they still have not received my refund. I gave them the wrong account number that was entered, and they confirmed it is a legitimate BOA account but because of privacy reason, they can not discuss anything about this account. I was sent to ACH department, and it confirm the refund has cleared into the wrong account but i should call the statte and have them initiate a return of my refund. I called that state of maryand and was told the money was issued based on the information provided and according to the state, the refund has been issued and there is nothing they can do. The state advice that i go to a BOA banking center with my taxes refurn filing paperwork and my identification information. I went to Bank of America center in XXXX located AT XXXX Race XXXX XXXX, XXXX ( XXXX ) XXXX and spoke to the assistant manager. Her name is XXXX. I gave her my tax return and my driver 's license. She created a CASE WITH NUMBER XXXX and asked that I stop by the next week. When i stopped by, she said the complaint was closed and no reason was given for the closure. She doesn't know how else to proceed. I called BOA customer services and asked to speak to a supervisor and the person said, they can not help me and that what he is telling me is the same information the supervisor would tell me. So bank of America deposited {$11000.00} of my tax refund into someone else account and they do not even have the curtesy to alert that indivual, they are holding money that does not belong to them. PLEASE PLEASE help 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 2022-06-27 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: FL

Complaint narrative:
You are reporting this collection as an OPEN ACCOUNT which is not under the FCRA compliance. This is inaccurate reporting and needs to be removed immediately. Please send me a copy of my credit report when the above deletion has been removed.

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 2022-06-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: General Credit Services
State: IN

Complaint narrative:
Hello, On XXXX/XXXX/XXXX I called General Credit Services and spoke with a representative named XXXX to pay a collection that was reporting to the major credit bureaus. I paid a total of {$440.00}, confirmation # XXXX. XXXX advised me that the derogatory collection would be REMOVED from my reports within XXXX days. 

On XX/XX/XXXX the collection was still reporting so I called and again spoke with XXXX who stated that they had requested deletion of the collection and gave me a confirmation number of XXXX. 

This month ( XX/XX/XXXX ), I have checked my credit reports and the collection has NOT been removed.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
I became aware that a fraudulent card had been opened in my name through the Bank of America in the form of an XXXX XXXX  XXXX. I received a credit card statement in the mail from Bank of America, which I believed to be a false statement. Upon reviewing my accounts and credit history, I learned that this statement was factual and that there had been a fraudulent card opened. 

After speaking with representatives at Bank of America, I learned the account was opened on XX/XX/2022. 

The XXXX Department at Bank of America stated they would be closing this account and I would be receiving a fraud statement within 10 days, that must be signed and returned within 10 days.

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 2022-06-27 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
It is abundantly evident that Truist Financial Corporation ( Truist Bank ) does not honor the rights of consumers or the law pertaining to debt collection practices. Truist Financial Corporation XXXX Truist Bank ) have been abusive, deceptive, and unfair while attempting to collect on an alleged debt. The most evident is the invasion of my individual privacy. I did not authorize Truist Bank to use my social security number or any information to create an account. I, XXXX XXXX XXXX, the consumer notified in writing to Truist Bank to cease communications and requested to validate this alleged debt, which was delivered certified mail XX/XX/2022. Pursuant 1692g ; I, the consumer hold the right to dispute the debt and make certain requests. During this period the debt collector shall cease collection of the debt, or any disputed portion thereof. 
Truist Bank violated my consumer rights during this period of validation of the alleged debt. Truist Bank communicated my information to another party ( XXXX XXXX XXXX and XXXX ) about this alleged debt. This party harassed, oppressed and verbally abused me by telephone communications. This party has sent repossession tow operators to my abode to collect a disputed portion of the alleged debt during this period. This drew attention to my neighbors ( persons ). Truist Bank failed to communicate to XXXX XXXX XXXX XXXX that the disputed debt is disputed. 
Truist bank continued to send notice of late payments during this dispute. Truist Bank continued to report inaccurate information to the Credit Reporting Agencies, ruining my reputation and effecting my credit worthiness as a consumer. The Banking system is dependent upon fair & accurate credit reporting. 
My identification and financial information have been used and transferred without my authority by Truist Bank.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXXXX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX CARD - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax XXXX - XX/XX/XXXX Equifax

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
their is no reason for this agency to put any information on my report that will damage my score. 
the balance states XXXX but my score decreased and this item was deleted in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I tried contacting the company to about the debt to have them provide proof that it was me that opened the account and ask them to send pictures of my ID and social security card and contract with my wet signature and if they can't to kindly remove the item but they have yet to respond to my XXXX letters

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I am a customer/client of Ctibank for 25 years since XXXX. 
on XXXX my bank account ( Saving and Checking ) been wire-transfer out entirely with out my permission. 
the amount was XXXX thousands for Saving and roughly XXXX thousands for checking. 
I didn't know at the time of wire-transfer ( XXXX ) due to my phone was out of service and i was on camping site ( XXXX XXXX  XXXX ) XXXX 
Called Citibank to report fraud wire-transfer on XXXX after restored my phone and they take my case to investigating and Citibank closed my account XXXX Saving and Checking ) and advise me to open a new one, so I did open a new account on XXXX. 
Today XXXX after two weeks follow a phone call from me to the Citibank Fraudulent Wire-Transfer Department they said that they can not recover fund for me and advise i should hire a lawyer.

Please help me, all my 25 years of saving being wipe out with out protection from Citibank. 
thanks

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 2022-06-27 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: NJ

Complaint narrative:
I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct.

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 2022-06-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: AES/PHEAA
State: IL

Complaint narrative:
My loans have been transitioned many times to different companies - where each time my balance starts all over and I pay interest instead of the balance of the loan. I just consolidated my loans with Direct loans ( handled by XXXX ). from AES. I had been with AES, roughly, XXXX years. I've been making payments steadly and when I was laid off years ago I made payments. I had reached out many times to get assistance on options available to lower payments- they only offered forbearance. So in those times of need I took that since I didn't know of any other option- since none of the other payment options would work ( according to them ). Well, after calling a few months ago to try to get assistance - I was told again my only option was forbearance since none of the payment plans would work for me. I asked again - there is nothing you can do?? They replied only forbearance. During Covid I have been making steady payments while others have been able to have the interest stopped and payments stopped - unless they wanted to. My loans are federal loans but older so they didn't qualify for any of the Covid related assistances. So, I asked about that with AES- they said they didn't qualify - there isn't anything you could do to have them qualify. Like I had mentioned above - I did reach out to the federal loans department and they said all I needed to do was consolidate under direct loans and you would have qualified. I did this and - amazingly- they had a payment plan that would also lower my payments for the time being. I wasted time and money with AES and find them at fault for the reason my payments i have made have went the way they did : I paid {$25000.00} towards my loans, interest paid {$16000.00}, principal paid {$8700.00}, fees paid {$590.00}. My overall loan was roughly XXXX. I've been paying over 20 years and there seems to be no end in site. I feel they manipulated me into paying more interest and weren't looking out for my best interest to get my loan paid off. I can't control who my loans are transferred/sold to - but I would have thought that AES would look out for the students best interest instead of their profit. Please let me know if you need more information - I'd like to see some of that interest to be redistributed to the balance. 
Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants and Medical Credit Corporation, Inc.
State: IN

Complaint narrative:
Trying to collect a debt because I fired an incompetent Doctor and Hired another to Do my XXXX as a result they have Decided to add two Amounts that total more than XXXX XXXX Dollars so I would not be able to have this fraudulent Amount excused on XX/XX/22 they are in complete control of this and have continued to harass me with unwanted Phone Calls and Threats I previously had several debts removed because of the XX/XX/22 act but this last one the decided to add together making it {$660.00} and above the {$500.00} Amount I have no control over what they decide to type up and send you are my last resort I have talked about this at Church and you are my last Hope I shall appreciate any help that you can give Sincerely!, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
VENMO APP - should be stopped immediately and people should NOT be allowed to use this service; they will rip you off of money! 

If they lock your account for no reason or temporarily lock you, there is no way to talk to someone to find out why ; they have your money sitting in their account and you can't even transfer it to your account- it's your money ; not there's ; they lock your account ; you can't get to your money Many people are using this company to transfer money between friends/family -- they NEED to STOP now -- people can loose their money and in an economy like this, people can't afford to loose money -- -they want to act like a bank, but provide NO CUSTOMER SERVICE; human robots answer the phone - tell you an account specialist can help you but no way to get to these " account specialist '' you are at their mercy to contact you ; they are people behind a computer with no way to talk to and they HOLD your MONEY -- STOP VENMO APP NOW -- before more people loose their money -- they are not a bank - they need to stop pretending to be one ; the federal government needs to shut them DOWN VENMO BEFORE MORE PEOPLE LOOSE THEIR MONEY!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-27 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: NY

Complaint narrative:
XXXX XXXX is Improperly reporting late payments on my account and it is severely affecting my credit. According to the three credit bureau 's the information being reported by XXXX XXXX was accurate and verified back in XX/XX/2022, however the dates of last activity, dates of last payment, balances as well as late payment statuses are severely skewered. This affects my ability to apply for credit because it is showing up on my reports as a derogatory account, when I have been making on time payments consistently. 

According to FCRA I have a right to privacy and the right to accurate credit reporting, which the credit bureau 's are violating.

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 2022-06-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: American Credit Acceptance, LLC
State: NC

Complaint narrative:
They improperly sent delinquent payments to the credit bureau 's. They misplaced the modification forms and blamed me for not keeping these forms in their system. After, I resent the forms to them, they still sent information to credit bureau that my account was past due. This info was sent on XX/XX/XXXX and XX/XX/XXXX. The account is current not pass due at all. There is also a Grid code 1 that needs to be corrected. This effecting my credit as it has dropped XXXX points as of today. I am in the process of purchasing a home and it is effected by their mistake. I have contacted ACA several times and they assured me this issue will be taken care of. Meanwhile, they are still sending " late payments '' to all three bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-27 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
On XXXX, XXXX. 2022 I asked TransUnion to investigate the below listed accounts for accuracies. On XXXX, XXXX. 2022 TransUnion responded back to me and stated that the below named accounts were properly INVESTIGATED and VERIFIED but how is this possible when I found several inaccuracies, This is grounds for removal. 

XXXX XXXX XXXX # XXXX Account type. inaccurate Date opened. Inaccurate Payment status. Inaccurate Last reported. Inaccurate Date of last activity. Inaccurate XXXXXXXX XXXX XXXX XXXX XXXXXXXX See report for inaccuracies XXXX XXXX XXXX XXXX Date opened. Inaccurate Date last activity. Inaccurate 15 U.S. CODE 1681 section 604a 2 also applies here. 

I have attached a copy of my most current credit report dated ( XX/XX/2022 ) as proof

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