vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Social Finance, Inc.
State: OR

Complaint narrative:
I have received two letters from SoFi ( XXXX XXXX XXXX, XXXX XXXX, CA XXXX ) in the last few weeks, and both include this statement : " Federal student loan forbearance ends on XX/XX/XXXX. '' This is false information. Federal student loan forbearance was extended on XXXX XXXX, XXXX until XX/XX/XXXX. 

I received the second letter from SoFi on Thu. XXXX XXXX, XXXX ( see image from USPS Informed Delivery ), which is over a month after the forbearance announcement was made. 

SoFi is sending false information to student loan borrowers pressuring them to refinance their loans with their company. 

This is both unethical and illegal. Vulnerable student loan borrowers may be pressured by this false information to refinance their loans with SoFi, which benefits their business. 

I kept the second letter; please let me know if you need more information, and thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: U.S. BANCORP
State: MD

Complaint narrative:
I bought a variable load US Bank XXXX gift card from a XXXX, MD XXXX XXXX on XX/XX/XXXX and loaded {$500.00}. About a week after I bought the card, I called to change the pin. The automated system said the XXXX6 digit card number did not match the CVV. I stayed on the line for about 15 minutes until I was connected with a customer service representative. They said it didn't matter, to just use the last 4 digits of the card number as the pin. I tried to use the card for a purchase at XXXX a few days later, and the purchase was declined because of an incorrect pin. About a week later, I think XX/XX/XXXX, I called again to try to figure out what was wrong with the card, I was told they couldn't do anything because the 16 digit card number didn't match the original purchase amount and date that I gave. I said I had the original receipt and they said I could send that to them for proof of ownership. I then called on XX/XX/XXXX to get the information to send them the info. I was told to fax my receipt and my id along with a phone number to reach me to their fax number and it would be processed in 24-48 hours. I faxed the information XX/XX/XXXX in the morning after I got done with the call. I called on Wednesday, XX/XX/XXXX, and they said it had not been processed, I needed to actually wait XXXX to XXXX business days. I called on XX/XX/XXXX, was hung up on once, and was on hold for a total of about an hour. On this final call, I talked to a supervisor who said I actually needed to send a fax with the proof of purchase, my ID, the gift card, and a 10 digit card ID number on every page. I sent the fax on XX/XX/XXXX in the evening. I suspect that the card is a fraudulent card since the last 4 digits on the front of the card do not match the 4 on the back. 

Every step of this process has required 15 to 30 minute holds, explaining the situation every time, and being told at various points, I was lying, I hadn't loaded the card properly, that the store messed up, and have been given different information to send by fax every time. I have never been so frustrated trying to use a gift card.

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 2022-01-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: TD BANK US HOLDING COMPANY
State: VA

Complaint narrative:
A long while back I had a Target retail card that went over its limit so they shut the card off. I was then asked to pay the whole amount plus late fees and interest and when I asked for a payment plan, they denied it and told me to pay the full amount. When I finally was able to pay the original amount, at that time, they ended up adding an additional {$300.00} plus dollars to the bill. When I tried to pay the original amount. I was told to pay the whole {$900.00} plus. That was over a year ago, for a whole year I received no communications. Since then I've been paying other debts off and they came back after a whole year of no contact. I've been getting several calls a day with no voice-mails. 

XX/XX/2022 XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XX/XX/2022 XXXX XXXX They are repeatedly calling.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I've tried to get this info corrected with all 3 reporting agencies. This collection from XXXX XXXX XXXX for {$930.00} is erroneous. I've always had XXXX XXXX XXXXI 've spoken to XXXX in the past and I was assured this would be removed.I also confimed with XXXX XXXX XXXX there was no balance due on my part. I'm getting no where with this issue. I've been denied credit due to this incorrect information

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 2022-01-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
XX/XX/XXXX I Contacted the following creditors by letters to dispute charges that were not mine, and I had no knowledge of them nor any verification. I asked for the debt to be removed. So far after the 30 days, XX/XX/XXXX I have not received any letters of verification from the following creditors and have sent another letter requesting for proper verification. The company 's have ignored my request. XXXX XXXX, sent a letter, however it was a letter stating I owe them and no verification on why. Each creditor has updated their information on my credit but all failed to send verification of why debt is owed. These collections are stopping me from buying a home. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Collection : {$2200.00} XXXX XXXX  XXXX XXXX XXXX XXXX XXXX, FL XXXX Collection : {$680.00} XXXX XXXXT XXXX XXXX XXXX XXXX, TX XXXX Collection {$220.00} XXXX XXXXI XXXX XXXX XXXX XXXX XXXX, WA XXXX {$740.00} XXXX XXXX  XXXX XXXX XXXX XXXX, XXXX {$520.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NC

Complaint narrative:
I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). Sequium Asset Solutions are in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Spring Oaks Capital, LLC
State: ME

Complaint narrative:
orignal creditor was the XXXX XXXX XXXX  this card has changed hands by several dept collection agencys several years ago you sent me a letter stating i did not have to pay this credit card company when i moved i lost the paper work plus im on social security and ssi so i do not feel i have to pay this company now spring oaks refuses to accept this account as agreed by you people that i didnt have to pay this

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
Huntington Bank is in violation of federal law fair and accurate credit transaction act and my due process rights by closing my banking account and keeping {$4500.00} of my money. I was a victim of a financial scheme. The perpetrator my alleged boyfriend asked me to lend him money for his financial problems and used my bank account to transfer money to XXXX. He told me to help him help his friend to do payments on XXXX by way of XXXX. the XXXX was used for payment to XXXX XXXX for an investment he supposedly had. The email address is the XXXX. I found out through Hungtinton Bank that it was fraud. My supposed to be imposter boyfriend preyed on my emotional dependency and trust to commit fraud to not only myself but to other women ( consumers ). I gave the imposter my bank account information and he provided the information to the other women who supposedly were his clients ( friends ) that he told them that they would be helping his friends out The bank is holding on to {$4500.00} of my money. 
I have reported this incident to other law enforcement or government agencies, please provide the name, phone number, email, date reported, report number, etc. 
Yes Wyoming Police Department, around XX/XX/2022 XXXX no. XXXX and federal Trade commission XX/XX/2022 FTC Report XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: MD

Complaint narrative:
I had a debt with XXXX I believe in XXXX or XXXX. It ended up going to collections. I have tried to dispute that it has been on my credit too long to still be valid. Also, it has been sold and resold by debt collectors, which I believe is making it difficult to have it removed, because everytime it is resold, it makes it look as if the debt is new. This is way too old to be on my credit and needs to be removed ASAP! The company sent me a letter stating there wasnt enough information to support my claim to have them removed from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Populus Financial Group, Inc. (F/K/A Ace Cash Express)
State: NC

Complaint narrative:
My prepaid XXXX debit card issued to me by ace check cashing @ XXXX XXXX XXXX XXXX NC XXXX, has been comprimised as of XX/XX/2022. I have had unauthorized charges and or withdrawals taken from this account. I recieve my XXXX directly deposited to this card. My funds were not available to me when i went to make a purchase today [ XX/XX/2022 ] and i was una ble to do so due to lack of funds which is when I became aware that my card/account has been used by an unknown unauthorized user. I proceeded to Ace check cashing located on XXXX XXXX and notified them that my card has some unauthorized charges. After doing so I was issued a temparary card and given a XXXX number to contact. So i called the XXXX number [ XXXX ] the agent answered the phone i explained that my debit card was being used by someone I was not aware was using my card. The agent responded i can help you with that. Then the agent asked me for the information from the temperary card as well as my email adress and phone number to verify my account and identity. I provided the agent with this information at which time the agent responded that they begin to rectify the problem and after a brief message I would recieve a confirmation number and they would be in touch. So i waited for the confirmation number aproximately XXXX seconds and the line went dead. When I called back to inform the agent that I did not recieve a confirmation number prior to the call being disconnected a diffrent agent aswered the phone and told me that this line was for retreving coupons and dicounts at grocery store chains. I replied i just called this number and informed the agent that my debit card was comprimised and he proceeded to tell me that he was able help me in addition to collecting my card information. This new agent replied once again that this is a couponing agency and proceeded to give me a new number [ XXXX ]. After calling this number and recieving a number not in service message I called the original XXXX number I was given [ XXXX ] again and was again told that this was a coupon hotline. So i asked the agent why did they both agree that they could rectify my issued with my card and collect my card information. The agent responded I dont know sir I was not the agent who answered that call. Then he once again went into his sales pitch for the coupons at this time I ended the call. Then I googled who to contact for debit card fraud and I was given the XXXX number. I called both on the weekend and after office hours so I was refered to this website and I began to submit my complaint. I would like to also note that this XXXX number that is a coupon line is also the reference number displayed on the back of the debit card I was issued by ace check cashing of XXXX XXXX. [ XXXX ] The total amount of finanance I lost is XXXX $ over the course of this month through unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I used my carecredit card for a cosmetic procedure with the company ( XXXX XXXX XXXX ) they charged me for services I did not receive. I have disputed the charge with Carecredit and sent in photos of before and after to prove they did not provide the services I paid for! I was charge {$16000.00} dollars on my carecredit card and {$7000.00} on my XXXX ( which I have paid for due to the use of the facility and medication for sedation ) and I have absolutely nothing to show for it, they sedated me and did not do what I asked or what I signed papers for or what I paid for!! They are a scam. I have rights, there are federal laws against this and they are lying!! This is absolutely the most dishonest, horrible act any company could perform!!!

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 2022-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Wrong amount charged or received — 
Company: Coinbase, Inc.
State: CA

Complaint narrative:
I made a {$300.00} purchase of XXXX on Coinbase. ( My daily max buy limit was {$11000.00} ) received a confirmation of {$30000.00} transaction. Called and emailed Coinbase immediately to notify the amount was to be {$300.00}, not {$30000.00}. Received an email that it was canceled due to insufficient funds. Coinbase then increased my daily purchase limit to {$35000.00} and charged my bank. I was negative XXXX and savings account drained. XXXX bank reversed this. Coinbase is threatening to sell all my assets to cover this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Outsource Group, Inc
State: NC

Complaint narrative:
I am a consumer as identified in FDCPA 15 USC 1692 a ( 3 ) and I have a right to privacy pursuant to 15 USC1681 ( a ) ( 4 ). MediCredit had recently deleted their account from my credit report and then added it back ( I've attached the deleted letter to this complaint ) - they are in violation of 15 U.S code 1681a ( i ) ( 2 ) - 15 USC code 1692k - Civil liability MediCredit is in violation according to the Gramm-Leach-Bliley Act for comprising my information since I have never given any consent for them to share my information in writing. They have damaged my reputation of not being able to apply for any loans and investments. I am contacting my lawyer and you will be getting information sent in the mail because of my damages for breaching my information. I have suffered financial losses and other harm as a result of consumer fraud or violations of consumer protection laws. Also financial institutions are required to take steps to protect the privacy of consumers finances under a federal law called the Financial Modernization Act of 1999, also known as the Gramm-Leach-Bliley Act. The FTC is one of the federal agencies that enforces provisions of Gramm-Leach Bliley , and the law covers not only banks, but also securities firms, and insurance companies, and companies providing many other types of financial products and services. Under the law, agencies enforce the Financial Privacy Rule, which governs how financial institutions can collect and disclose customers personal financial information ; the Safeguards Rule, which requires all financial institutions to maintain safeguards to protect customer information ; and another provision designed to prevent individuals and companies from gaining access to consumers personal financial information under false pretenses, a practice known as " pretexting. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
TransUnion willfully dropped my vantage score over XXXX points. This was a malicious act toward this consumer. I pay all my credit card etc on time and they are willfully lowering my score to keep me from being able to acquire any other loans. I disputed inquiries that had been on my report fraudulently and they lowered my vantage score. As a XXXX consumer I see this a being an attack towards my character and my credit. They have also failed to provide proof that they acquired a bankruptcy on my name and keep stating verified. I will be taking further action with the federal courts.

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 2022-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CSO Financial
State: OR

Complaint narrative:
XXXX XXXX XXXX XXXX I owe {$45.00}. I believe that this is not my debt. CSO Financial , Inc., the debt collector, claims that I owe this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have repeatedly requested overdraft protection for my account, only to be told that the service was added when in fact it had not with numerous transactions denied. The fact that my account does not have overdraft protection is confirmed by Wells Fargo themselves on page 1 of my XX/XX/2021 statement. 

Then the bank subsequently charges my account a {$35.00} overdraft fee on XX/XX/2021 as also confirmed on the same statement, contrary to their own written statement, so Wells seems to have discretionary overdraft service on my account denying transactions when beneficial to the bank, charging fees when beneficial to the bank alll the while making direct false statements to the account holder.

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 2022-01-30 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
Submitted multiple complaints on XXXX who are is in multiple violations of the FCRA. 15 USC 1637 ( b ) ( XXXX ) ( A ) since myself the consumer stated the billing error it should of been removed while it was being investigated. 
According to 15 USC 1666. ( b ) Billing error For the purpose of this section, a billing error consists of any of the following : ( XXXX ) A reflection on a statement of an extension of credit which was not made to the obligor or, if made, was not in the amount reflected on such statement. 
( XXXX ) A reflection on a statement of an extension of credit for which the obligor requests additional clarification including documentary evidence thereof. 
( XXXX ) A reflection on a statement of goods or services not accepted by the obligor or his designee or not delivered to the obligor or his designee in accordance with the agreement made at the time of a transaction. 
( XXXX ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor. 
( XXXX ) A computation error or similar error of an accounting nature of the creditor on a statement. 
( XXXX ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. 
( XXXX ) Any other error described in regulations of the Bureau.

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