vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. XXXX in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its 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 explanation
Consumer complaint received 2022-01-11 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: TX

Complaint narrative:
About a week ago I received updates on my credit monitoring service that XXXX XXXX has appeared on all 3 of my credit reports, I did visit the website but dont recall even signing up for it. I was under the impression that they provide an additional tradeline that would help add points to the credit reports, not show an additional debt for $ XXXX. Im in the process of buying a house & cant afford to add an 80 % utilization to my file. Ive tried contacting the company & have not received a call or email back which makes me believe its 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 explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: MN

Complaint narrative:
My loans were recently transferred from XXXX to Aidvantage. XXXX had been sending a monthly account statement for my account. Aidvantage did not send the following monthly account statement ( XX/XX/XXXX ) as scheduled once they took over as servicer, so I contacted them. 

They insisted the monthly statement had been sent to my inbox as scheduled. When I confirmed it had not, with a screenshot as proof, they offered to send one by mail, but insisted that monthly statements are sent automatically and that I should receive the next one ( XX/XX/XXXX ) in my inbox as scheduled. 

I asked for an explanation or investigation as to how the previous statement was missed, so I don't continue to miss statements and have to retroactively request them each month. Initially, the aidvantage rep simply stated " ... there seems no reason why the XXXX statement will not be sent as scheduled. '' I had to clarify that Reg Z requires that periodic statements be sent before the rep conceded that they would " submit a request to our IT dept to research this matter '' and disconnected me from the chat without providing any information as to how I would be informed of the findings of their " IT '' investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the Equifax data breach and may have gotten into hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — Store credit 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
On XX/XX/XXXX XXXX, XXXX XXXX XXXX, sent information to Kohls that a package shipped to me was lost during transport. A Kohls rep, XXXX, processed a full refund on XX/XX/XXXX, incident # XXXX. I never received refund. On XX/XX/XXXX, another refund, incident # XXXX, was processed, seeing that the first refund wasnt posted to my account. My Kohls credit card has still not been updated with full refund. Im speaking to another Kohls rep, XXXX, XXXX, about this ongoing incident.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tate and Kirlin Assoc
State: GA

Complaint narrative:
On XX/XX/2022, I received a notice from Tate & Kirlin Associates , Inc. stating that they are trying to collect a debt for their client XXXX XXXX, XXXX a collection company that attempted to collect a fraudulent debt from Me last year and was removed from my Credit Reports for being a Non-valid collections account, The notice states that I owe {$590.00} and that they are willing to settle for {$170.00} for an account that was started fraudulently and I feel has stemmed from Identity Theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: MEI AUTO FINANCE INC
State: TX

Complaint narrative:
I keep receiving calls from representatives from an MEI Auto Finance XXXX asking me to forward a message to someone. 

I am not an employee of theirs and have no intent to forward ANY communications. I do have nor have ever held any business relationship with MEI Auto Finance. I have demanded repeatedly that they cease and desist calling my phone number. Their calls are a nuisance and harassment. 

My number is registered on the Do Not Call list and this is not a debt owed by me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX XXXX from my XXXX XXXX company account was wired by Citibank to my XXXX XXXX XXXX account in XXXX on XX/XX/2021. More than a month later, the money has now shown up in my XXXX XXXX XXXXXXXX account. XXXX XXXX  XXXX XXXX says the money has not hit their XXXX network and they can not look into the XXXX XXXX XXXXXXXX XXXX XXXX and the correct procedure is Citibank investigate and recover the money as it is the sender 's responsibility to excuse this correctly. 

Citibank so far has refused to do a investigative trace and recover the money. As a result I a at a loss of a lot of money with no resolution in sight as the big banks refuse to investigate the missing money. 

Attached is the XXXX record of the outbound message that can help the banks trace and recover the money.

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 2022-01-11 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I sent letters about some items on my report. I have not received any response back. I feel like my letters are being ignored. This is very frustrating and this is causing me unnecessary stress. I have done my part and followed the law but I have not been awarded the same courtesy from the credit bureaus. I request a response and demand for these items to be immediately removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
This is a continuation of the previous complaint/update : Background : fraudulent charges happened on my account in XX/XX/2021 ( last XXXX ). Best buy reviewed the charges and decided they were legit. 

Here is where it gets juicy : Best Buy ( referred to as XXXX onwards ) told me that the company, sharptrucks or sharpauto, had sent them a delivery slip showing I signed for the package, which had been delivered to XXXX XXXX XXXX ( my address ). 

I called the company That had issued the fraudulent charge, XXXX, And he sent me the receipt for delivery and refunded the charge. The representative for Best Buy/city bank had blatantly lied about the delivery receipt - It's not only handed delivery happened in XXXX XXXX XXXX XXXXXXXX but it was left at the front door and no one even signed for it. If you listen to the call with the 1st representative, she blatantly tells me that the package was delivered to my address she " my address to me and says that there is a signature from me on it as well and she's looking at it on the screen right now. 

Furthermore when I called Best Buy back the 2nd time, the representative in the fraud department that I got agreed that the first rep had given me incorrect information, as they could not even see the details sent over by the company ( XXXX or XXXX ). 

Had I been slightly XXXX or slightly more XXXX, I would not have made the extra step to call the company with the fraudulent charge, And Best Buy citi bank would have gotten away with trying to make me pay for it because they were too lazy or too incompetent to read the attachment. 

As an individual with XXXX XXXXXXXXXXXX XXXX I wonder how many other individuals with XXXX that were too XXXX XXXX  or just not collected enough to be able to fight the midst information of this corporation... I contend that there is a disparate impact being caused From this corporation as a result of poor training For individuals in the fraud department. 

I guess I'm gon na also do an XXXX XXXX and start contacting every individual Who left a review on XXXX XXXX or XXXX regarding the Best Buy fraud department to see if I can easily prove a disparate impact from the initial sampling, be it a disparate impact based on age or based on race Or based on XXXX. I'll let them know what I'm doing with their contact information and where it's going to make sure that I'm in compliance with California contact policy.

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 2022-01-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order
Issue: Problem with customer service — 
Company: Amscot Corporation
State: FL

Complaint narrative:
on XX/XX/XXXX I deposited in XXXX XXXX XXXXXXXX via the phone app 2 {$1000.00} money orders. on XX/XX/XXXX both checks were debited by XXXX  as returned items. The reason for the debit was that the checks were duplicates and not the originals. I am unable to located the original checks and so I contacted AMSCOT on XX/XX/XXXX by phone and was advised to email request for replacement. To this day I have emailed AMSCOT 3 times with most recent on XX/XX/XXXX. AMSCOT ignores my calls with saying the will review but no results. Your assitance in resolving this issue will be greatly appreciated. {$2000.00} is a lot of money during these trying times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
You have listed incorrect accounts on my credit report that should not be there at all. This is not only unfair to me, but also very troubling, because I have never committed or made any of the things you accuse me of doing. Investigate these accounts or I will take legal action against you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC.
State: OR

Complaint narrative:
My FFELP loans through Navient ( I have two consolidated loans through them ) continue to accrue interest. Im not able to see this on their website, but its being reported to the credit bureaus. I noticed that they are increasing my student loan principle by charging interest each month. This has happened for XXXX and XXXX and I assume they will continue doing this despite the interest freeze unless I file a complaint. 

I have no income right now and am on a income driven repayment program. I know that there is an interest freeze from the Biden administration, and it looks to me like Navient is ignoring this and just continuing to charge interest anyway.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: TransferWise Ltd
State: OH

Complaint narrative:
My account has been deactivated by Wise US Inc ( formerly TransferWise ) for pointing out a flaw in their customer verification, and I can not access the account or withdraw my money from my account. 

I have had an account with Wise since XX/XX/XXXX. One of my routine transactions on was blocked on XX/XX/XXXX by Wise citing verification of my ID. I uploaded my passport copy and was informed that it has been verified. But the transaction did not go through. 

I was then asked to upload a personal photo holding my ID. I was opposed to uploading personal photos due to privacy reasons and I have had several phone calls and email exchanges with Wise about how a personal photo would be a better verification than other methods such as XXXX, phone call, etc. I contended that using Artificial Intelligence ( AI ) to verify a photo may not be the best option. 

In order to prove my point, on XX/XX/XXXX, I uploaded a " doctored photo '' of my own to the Wise website. Wise promptly verified my photo ( most probably by AI ) and I was able to conduct transactions including transfer of money. Subsequently I informed Wise through email that the photo that I uploaded was " doctored '' and asked them how their system was able to verify my photo? I questioned their security and due diligence. 

I was given vague answers to my concerns but when I pressed about their security flaws again and again, Wise deactivated by account saying that my activities exceeded their " risk tolerance ''. On asking what this risk tolerance is and how I exceeded this level, Wise did not provide any answer. I believe this action was purely punitive to mask Wise 's lax security and their embarrassment.

I have thousands of dollars in multiple currencies in my Wise account. As I do not have access to my account, I have requested Wise to transfer my money to my own verified account in another US bank ; but Wise refused. Wise wants me to appeal to reactivate my account. I do not want to reactivate my account- all I want is to get my money back and close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: AES/PHEAA
State: NE

Complaint narrative:
I was notified on XX/XX/XXXX that my loans were forgiven under the PSLF waiver! I am overjoyed and so thankful! I have been corresponding off and on with Fed Loan Servicing throughout this process. In every call when I spoke with a CSR OR a supervisor, I was told that any payments past the 120 towards my PSLF, would be refunded. Under the waiver, all of my payments counted-so from XXXX XXXX XXXX when I made my last payment. I met my 120 in XX/XX/XXXX. So there are 4 years worth ( 48 total ) of payments that I was told would be refunded to me. I asked each time, that even though I didn't have a Direct Loan at that time, it didn't matter, because under the waiver, any payment counted, therefore any over the 120 payments, would be refunded. 
I do not see anything on Fed Loan account that will let me check the payment counts and no one was able to give me the payment counts over the phone. I want to ensure I have been given the right information-all the dates I have called should be located in my account-that I will be getting a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Colony Brands, Inc.
State: OR

Complaint narrative:
On XX/XX/XXXX, I placed two individual orders from an XXXX catalog I received : I opened a credit account for {$750.00} for the 1st Order # XXXX. This totaled {$750.00} ( incl. Shipping/Handling fees ). This order included a number of items ; however, I only received one item, XXXX ( 2 ea. ) ; High-Waist Control Legging ( Size 3x Black ) ; {$59.00} each : total cost being {$110.00}. XXXX/XXXX  emails later stated delivery was made, though I received no such deliveries. I reported non-delivery details to XXXX  staff on XX/XX/XXXX via telephone call. I was advised that credit would be issued to my account for the items ordered that I did not receive. I was further advised not to contact XXXX  personally because this would interfere with XXXX XXXX responsibility in the process. [ XXXX  issues of non-delivery to many customers in the XXXX XXXX geographic area has been a recurring news story on local television. ] I also want to point out that Item XXXX XXXX were actually received in a package delivered by USPS that contained one item from Order # XXXX ( Size 2x Bomber Jacket  ), which was from a different order I subsequently placed. I have fully paid for the leggings received from XXXX # XXXX [ checks written : XX/XX/XXXX for {$40.00} ; XX/XX/XXXX for {$45.00} ; XX/XX/XXXX for {$50.00} -- this last payment would have generously covered all interest against the leggings total cost of {$110.00}! It would also either reduce my account balance to {$0.00} or reveal a credit on this account!! I fully paid off the second order ( this was also placed on XX/XX/XXXX ) with XXXX. I wrote out a check on XX/XX/XXXX for {$300.00}. I owe this company no money ; I choose to do no further business with them either! I wrote XXXX XX/XX/XXXX, as soon as I received their first statement -- contesting their reporting. XXXX has not issued the credits due me. XXXX continues to improperly bill me. XXXX in my opinion, continues to illegally charge accrued interest to my account. XXXX  has not even bothered to respond to that letter of XXXX/XXXX/XXXX. XXXX XXXX latest bill received shows a " New Balance '' of {$630.00} with a " Payment Due Date '' of XX/XX/XXXX. It also contains a " Finance Charge '' dated XX/XX/XXXX of {$13.00}. 
These actions to date will negatively impact my credit rating -- through no fault of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-11 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: MD

Complaint narrative:
On XX/XX/2021 I sent a letter regarding an accurate and unknown things on my credit report to this day over 45 days later I have not received a response yet. I feel like Im being taken advantage of and being ignored. Section 611 ( a ), It states that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report its been over 45 days so they should be deleted promptly. I demand that these accounts be deleted immediately or I will file for litigation due to the stress you have caused me. My information was also impacted by the XXXX data breach and may have gotten into 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 2022-01-11 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: PA

Complaint narrative:
I opened a checking account with Wells Fargo on XX/XX/2021 and made a initial deposit of {$100.00}, and a few days later I was told by Wells Fargo that my checking account has been closed due to the relationship with the bank. On XX/XX/2021, my account was officially closed, but I haven't received my {$100.00} initial deposit so far. I contacted Wells Fargo many times and none of my complaint have been properly resolved.

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 2022-01-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/2021, Cashapp approved an unauthorized transaction from XXXX in the amount of {$170.00} which caused my account to be overdrawn 170.00. 

This is a pre-paid card and if the funds are not available in the account, the transactions do not get approved. I still do not know how the exception for the XXXX transaction was approved when the balance on the account was less than {$1.00}. 

I raised a complaint for an authorized transaction and this has taken more than 15 days to process and not only that Cashapp has failed to regulation E by not giving a temporary credit until the investigation is completed.

Company response to consumer: Closed with explanation