vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I was told I am in check systems with Bank of America for a fraudulent check that I did not even put into my account and they said I would've had to give the individual the pin number to put the check into my account. Therefore, I am not able to open an account anywhere. I I don't know the time limit, but I'm a business owner and I have to use prepay cards for my business because I'm not able to open a checking account anywhere and I would like this problem 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 2022-10-18 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: NC

Complaint narrative:
On XX/XX/XXXX I applied to consolidate my XXXX loans with the US dept of education at studentaid.gov. My XXXX loans were held by XXXX and I selected Aidvantage as the new servicer. I have called Aidvantage multiple times since XXXX and also again on XXXX, XX/XX/XXXX, and XX/XX/XXXX to ascertain the status of my consolidation. Each time I was told they are still waiting on my loan information from XXXX. I also called navient multiple times and they confirmed in writing that they provided my loan information to Aidvantage on XX/XX/XXXX, XXXX month ago. Aidvantage reps have give me inaccurate, incorrect, and most importantly, conflicting information every time i have called. I was told on XXXX they would request a review of my application and it would be processed within 10 days. It has now been almost 50 days since I applied to consolidate my loans with the dept of Ed and Aidvantage has been giving me different information regarding the status of my application every time I call. In fact, when I point out they are giving me incorrect information, they look at their records and apologize for misspeaking. I have escalated my inquiry to supervisors twice and I am still getting conflicting information and my application has still not been processed. I have been unable to speak with anyone with the ability to actually process my application. I applied before the XX/XX/XXXX deadline to qualify for loan forgiveness and if there is an injunction forthcoming at any upcoming trial which halts loan forgiveness, I will not be granted forgiveness due to Aidvantages lack of action and I will suffer damages which I intend to recoup.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: CA

Complaint narrative:
XX/XX/XXXX : requested refund of payments made during COVID forbearance as permitted via CARES Act. Was told it is being processed. 
XX/XX/XXXX : Account balance still does not reflect this update/refund. Tried calling to get an update on my case number but have had troubles reaching someone on the phone. Experienced no call back after using the call back feature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: CITIBANK, N.A.
State: KS

Complaint narrative:
XXXX reported a hard inquiry from CBNA/THD on XX/XX/2022. I didnt recognize this and called the associated number in credit report XXXX. Call goes in circles through a touch tome prompt not letting me get anywhere because I dont have an account with them and my ssn isnt recognized. After 20 minutes I finally got to a live person and was transferred to Security Dept. I stated my issue then our call was disconnected and I am unable to get back to a live person. I am looking for more information and want them to provide me with support for the credit pull so I can determine if I need to take additional identity theft prevention measures. 
I called XXXX and they could not help and directed me to FTC.gov.

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 2022-10-18 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: MI

Complaint narrative:
I do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXX XXXX  Opened XXXX {$490.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: MI

Complaint narrative:
I do not have an account with this creditor. This account is reporting as open. 
XXXX XXXX XXXXXXXX XXXX Opened XXXX {$490.00}

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 2022-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Idaho Housing And Finance Association
State: CT

Complaint narrative:
Loan modification application XX/XX/XXXX. 
Phone call from mortgage counselor at loan company, XX/XX/XXXX, stating approval for $ XXXX from modification. 
Since XX/XX/XXXX, XXXX by month Im told a different payment amount. {$1200.00} and {$1700.00} ( my original loan prior to modification was {$1700.00} ) Finally by phone call, of this year, ( XX/XX/XXXX ) the mortgage company admitted to an error, by not including town tax for the monthly payment. 
All I stated, was wanting something in writing of the error and breakdown of the loan payment with the modification approval and that my new payment is. ( {$1700.00} ). Never received anything. 

Again, month by month Im still told different amounts of {$1200.00} and {$1700.00}. I made payments with different amounts depending on what the loan counselor said was approved on their end at that time. Still with every phone call inquiring on finalized documentation. 

This wasnt rectified during the modification trial until XX/XX/XXXX, stating false information, that I canceled my modification. Followed by a certified letter on XX/XX/XXXX of default and needing to pay XXXX or face foreclosure. 

The mortgage companies justified this by stating I didnt pay the correct amounts of $ XXXX. Again, over the past year Ive made numerous calls ( from their recorded line ) for anything in writing stating what my mortgage payment is. Nothing was ever provided. 
Supervisors are avoiding my calls. Ive received no return phone calls with my requests for clarification and they are NOT accepting any monthly mortgage payments from XXXX to present.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
An employee at my local PNC Bank branch mishandled my funds on XX/XX/XXXX, resulting in the loss of {$14000.00}. She let me in about XXXX minutes after the bank had closed and rushed through a wire transfer, a type of transaction I did not understand, nor ever try to transact before, nor explicitly ask for on this day. I was visibly distraught due to a phone scam situation, however, she did not care or ask what was wrong. She assumed this transfer was what I needed without explaining the transaction type. She did not probe or screen at all for potential fraud, which is the standard protocol of any financial institution. 

I believe the employee could have been involved in the scam, as the caller had mentioned PNC and asked me to visit the branch after an online transfer wasn't possible. Even if not directly involved, the employee was recklessly fast due to the late hour, negligent, and thus, breached her fiduciary duty as a bank employee. By the bank 's own admission she was someone temporarily assigned to the branch during a remodeling project, and lacked proper training. 

I have previously submitted complaint # XXXX with the CFPB, stating that the bank ignored my appeal letter dated XX/XX/XXXX and tried to convince me that the fraud occurred through no fault of their own, but was entirely my fault simply because I'm a senior citizen. 

When the bank responded on XX/XX/XXXX to this complaint, they falsely stated that I had authorized the transfer. The employee forced me to sign a paper prematurely without explaining anything. Her lack of communication, naturally, would not constitute an authorization of anything at all. 

Furthermore, the denial letter states that the transfer was to cover my medical expenses, which is also false. I have never mentioned anything about medical expenses to any of the bank personnel. 

These false statements by the bank lead me to believe that they did not truly investigate the incident, as they had promised, and that they may even be confusing me with another client.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
On XX/XX/XXXX a stolen and fraudulent check was cashed in my wife 's name from our joint Citizens Bank checking account for {$800.00}. I immediately alerted the company through their 1-800 number, and let them know that a police inquiry had already been opened because our car was broken into the prior day. The check book was frozen and the bank charged us {$35.00} to get a new checkbook. We were told we would have to wait up to 10 days to hear back. 

I called the police detective of our open investigation and alerted him of the fraudulent transaction, as well as sent him a copy of the checks and the criminal 's photo ID. 

Later that month we received a letter ( dated XX/XX/XXXX ) that the investigation into our stolen money had been closed because the signature " appears to match other items that have been paid on your account '' despite the criminal having been arrested with the name our check was made out to. This criminal also attempted to cash a check from my personal XXXX XXXX XXXX bank checking account for {$800.00}, however this superior institution called me to confirm the transaction was accurate. 

We contacted Citizens Bank again, and we were told we had to obtain a police report to have our case reopened. The police rejected our formal request for this document, citing the ongoing investigation. We have again reached out to Citizens Bank but have not heard back after several weeks. 

Throughout this whole process we have been met with poor customer service, long waiting times, and frustrating inaction. This is not a trivial amount of money and we hope this situation can be resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: EQUIFAX, INC.
State: NV

Complaint narrative:
Prior CFPB Complaint # : XXXX Equifax Information Services Inc Responded on XX/XX/XXXX that the accounts weren't showing on my credit report yet that is false. This company is in violation of federal law and is civilly liable to me under 15 USC 1640. 
I have attached the credit report as of XX/XX/XXXX and documentation mailed USPS Certified Mail and Faxed to XXXX ( Copy of SSN CARD and of Utility Bill ) on XX/XX/XXXX Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Grain Technology, Inc.
State: NC

Complaint narrative:
Grain provides a revolving line of credit that you can access through your existing debit card without issuing a physical card. This approach empowers you to use what you need for your day-to-day, build good credit, and ultimately gives you more ownership over your credit. What happens this company does not tell you is, how they are keeping your personal information and will not allow you to pay your balance in full or any other higher amount besides the minimum payment due. This company has kept numerous people personal information including, SSN, addresses, DOB, bank accounts and most of all dropped individual credits tremendously. I have requested to make a payment to this company and was blocked. Grain would kick individuals out of the system by unlinking their bank accounts that was provided to make payments and drop the customers credit score. I have called customer service and e-mailed Grain numerous times without receiving a response back. The company has made it impossible to cancel their app without paying in full thus creating a deceptive practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Halsted Financial Services, LLC.
State: CA

Complaint narrative:
Received a phone call from XXXX XXXX ( XXXX ) XXXX claiming to call from an XXXX office regarding an account from XX/XX/2013 regarding a debt from a XXXX XXXX 's credit account to inform me of a law suit pending. XXXX XXXX threatened me to move forward with this law suit unless I was willing to rectify the situation thru payment of the balance. I informed him that I had no knowledge of this account and that it was past the statue of limitations in the state of California, he responded that it was not and that he is aware of this because he works for an attorney. I again advised him that I had no knowledge and that he was breaking the law by communicating with me. At that point, it turned into a yelling competition but was able to get his name letting him know that I would be filing a complaint with the CFPB and hung up the phone. I then realized I did not get the name of the company XXXX XXXX was calling from. I called the number back and XXXX XXXX answered " mediation ''. I stated that I needed the name of the firm he represents and he responded " sure '' and hung up on me. I had to have my husband call the number from his cell phone and retrieve the firm 's name. Another representative answered and clearly stated and spelled out " Halsted Financial Services ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
i am not responsible for any capital one quick silver account this account is also fraud i had my identify stolen and still in the process of getting everything replan and my credit scores back up to 780 - 800

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I have been a customer of Wells Fargo Banking for more than 30 years. At least for the past 10 + years, they have engaged in systemic fraud related to OVERDRAFT and how and when they choose to pay incoming debits. Basically, THEY HOLD BACK INCOMING FUNDS - KEEP THE BALANCE LOW - AND WHEN A CHARGE COMES IN - THEY WILL PAY THE SMALL DEBIT ( only the smalls ones ) THEN CHARGE AN OVERDRAFT THEN ALLOW THE INCOMING MONEY INTO THE ACCOUNT, CAUSING A NEGATIVE BALANCE OFTEN TIMES. 

In essence, THEY INTENTIONALLY STAGE OVERDRAFTS TO COLLECT FEES. 

They only pay small debits and not anything near the {$35.00} they charge as overdraft. THESE DEBITS ARE STAGED AS WELL TO GENERATE THE FRAUDLUENT OVERDRAFT FEES. 

Recently, they took away their email customer service feature and you now have to call to dispute. THEY INTENTIONALLY DROP YOUR CALLS OR PLACE YOU ON AN INDEFINITE WAIT HOLD so as not to address the problems. Only after numerous calls, threats of complaints and threats to close my accounts, they finally remove SOME FRAUDULENT OVERDRAFT FEES. 

Because they've engaged in this for many years, I no longer keep more than {$100.00} in that account. They charge the $ XXXX monthly fees and when I use the card, they intentionally hold back incoming funds and debits to generate manufactured overdrafts to collect the multiple {$35.00} fees. 

I will give you account access upon request. 

Accounts : XXXX XXXX XXXX XXXX ( checking )

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 2022-10-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC
State: MO

Complaint narrative:
In the back and forth with Rushmore over what I know to be questionable activity on my account. In the last response to my complaint, Rushmore has claimed that they " used XXXX funds to pay for XXXX and XXXX house payments which is a LIE ... .up to the point that Rushmore received the funds from XXXX XXXX we did not owe any house payments. They applied the funds they received on XX/XX/XXXX to XXXX payment, and XXXX payment. There was NO reinstatement to it! 

Rushmore continues to say that the nearly {$1600.00} was used because of " corporate advances '' from a XXXX bankruptcy, yet ... they say that it was to " reinstate '' the loan from XXXX? Which is it? It can not be both. 

I want a complete and total breakdown of the charges that was imposed on my account from the bankruptcy in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I do not recognize these inquiries on my credit report and did not authorize these to be reporting on my consumer report. 

Inquiry : 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 2022-10-18 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kohn Law Firm S.C.
State: WI

Complaint narrative:
These were personal loans that were taken tout years ago. My mom was the co-signer on them and she has now been deceased for almost ten years. I have paid faithfully for the last 5 years of over {$30000.00}. Im asking that these two debts be forgiven or discharged because I struggle financially struggle every month making the {$500.00} payment along with my other expenses. Especially when XXXX hit. It seems to be a roller coaster trying to make ends meet. Where I work was greatly impacted by the pandemic. Business has been up and down for the last couple of years. PLEASE FORGIVE ME OF THESE TWO DEBTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
assignee creditors are pesonating beneficial owner and making false reports of balances aka proceeds aka security interest belonging to beneficial owner are due to them and are extorting from beneficial owner aka consumer aka natural person pursuant to 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 explanation
Consumer complaint received 2022-10-18 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: MA

Complaint narrative:
XXXX XXXX XXXX  has account nr XXXX with a Balance of {$690.00}, a fraudulent acct, which I did not open. The acct was opened XX/XX/XXXX the due date is XX/XX/XXXX. They have stopped the card and told me to go to FTC. gov and to file a police report, also send them information they requested from me by mail and I have done so. I want this removed from my consumer reports. Need to get copies of my reports to find out if further fraudulent actions have been taken. The bureaus are listing several things I have not done, a mortgage, a car loan, and XXXX loans which I will write about to you when I get more precise information from them.

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 2022-10-18 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: MA

Complaint narrative:
XXXX XXXX XXXX  has account nr XXXX with a Balance of {$690.00}, a fraudulent acct, which I did not open. The acct was opened XX/XX/XXXX the due date is XX/XX/XXXX. They have stopped the card and told me to go to FTC. gov and to file a police report, also send them information they requested from me by mail and I have done so. I want this removed from my consumer reports. Need to get copies of my reports to find out if further fraudulent actions have been taken. The bureaus are listing several things I have not done, a mortgage, a car loan, and XXXX loans which I will write about to you when I get more precise information from them.

Company response to consumer: Closed with explanation