vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-27 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: CAPITAL ONE FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was a victim of true identity fraud for transactions totaling {$10000.00}. Fraud was resolved in my favor and the charges were reversed. Capitol one continues to have break downs in communication and as a result I closed my account with them. They reported my account as a charge off unlawfully even as the account was a fraud dispute and now one where they have paid me refunds. I filed IC3 reports as well with the FBI. Capitol one has updated this account once but then reported it again as a charge off after resolving it. There was no 1099c sent to me per law and either way a 1099c shouldnt have been sent due to fraud. Its additionally not a charge off because the charges themselves were not legitimate and they do not have a debt. My account status is paid as agreed, never late no balance, closed my consumer however its presently showing with charge off and reporting delinquency date. I am frustrated by the practices of capital one as they have been resistant to resolution within their systems and several points of contact. I have fraud liability protection on the cars and the company is presently in breach of contract with me. The rep at extension XXXX XXXX ( phone number XXXX ) can confirm there has been attempts to appropriately update the account but the updating doesnt hold. Capitol one told me they could not provide me a letter addressing the known errors because they only provide autogenerated letters. Those letters do not address the actual issues with my account and the inaccuracies they are to fix. Refunds for the fraud were apparently issued : 1 ) .20 Initially sent XX/XX/XXXX 2 ) {$4800.00} initially sent XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
On XX/XX/22, I received a text from Wells Fargo stating there was a zelle transfer for {$3500.00} trying to process and we it me. I sent the no response and shortly received a phone call from Wells Fargo. The caller ID said Wells Fargo and the phone number was the one of the back of my debit card. So when I answered the 'representative ' told me about this transfer trying to complete from Idaho was it me. I denied the transfer and he said they were going to do a zelle transfer of all of my current funds to myself. So my account would look like it was empty. He explained this would put a block on my acct for XXXX hours so no other transfers would occur. On XX/XX/22 I checked my account and still no money but I had previously scheduled debits out so of course an overdrawn account. I called Wells Fargo and they said it's a scam and they filed the claim. I was told to call back XXXX business days later for the result and here we are XXXX business days later, and Wells Fargo is starting it was an authorized transfer and no need to give me my money back. The bank acknowledged these scams are going on, they conveniently sent out about email to customers about XXXX days after this incident happened to me to warn customers but failed to say it is not their problem.

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 2022-01-27 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: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX DE XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX UT 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 2022-01-27 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
The following closed and collections accounts have been placed onto my credit report without my verbal or written consent to do so, and is a direct violation of my rights under the FCRA and section 15 USC 1681B. Having these negative remarks on my report is preventing me from having the best score possible which is a hindrance if I feel the need to apply for new lines of credit or even housing in the future. Due to these facts given the following closed and collection accounts must be removed : CLOSED ACCOUNT : XXXX XXXX XXXX  XXXX. ( THIS ACCOUNT HAS ALSO REACHED ITS STATUTE OF LIMITATIONS ON DEBT ) COLLECTIONS : CONVERGENT OUTSOURCING

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 2022-01-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TrueAccord Corp.
State: FL

Complaint narrative:
On XX/XX/XXXX at XXXX XX/XX/XXXX I received an email from TrueAccord stating that I have an account with XX/XX/XXXX ( originally XXXX XXXX XXXX ( XXXX XXXXXXXX XXXX ) and that they are trying to collect an old debt on their behalf. I do not owe this dept, I have none past due to any entity and they state my address as XXXX XXXX XXXX XXXX, XXXX FL ( I do not live at this address nor have I ever been to XXXX Florida ). They state I owe {$2100.00} from XX/XX/XXXX, including interest. I am assuming that this is a scam and DO NOT WANT TO RESPOND TO THEM FOR THAT REASON! When I attempted to research them, all of the articles about them are written BY THEM so of no good. There supposed contact info is : Email : XXXX Phone : ( XXXX ) XXXX XXXX M-F est Mail : XXXX XXXX  XXXX, XXXX, KS Please advise!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: OH

Complaint narrative:
Experian is playing the up and down game with me wich is putting me in high interest rate status they keep saying I have serious delinquent on report but the bills have been paid in full. My credit usage went up {$71.00} dollars and my credit score dropped XXXX points. I want them investigated to see if they are targeting certain Individuals or Races due to up and down changes on accounts I have payed all my bills on time and they are still playing this game with me year after year

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 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: AK

Complaint narrative:
My loans were consolidated across three services in XX/XX/2011. It took nearly 5 months for the loans to be consolidated. I was given misinformation by XXXX repeatedly about who held the loans during this time period and lost 5 months of being able to make relatively low payments on my student loans that would qualify for pslf. XXXX shows that I was in forebearance during this time period. I did not request a forebearance and have tried multiple times to have these months reviewed. DoE was the one who informed me that fedloan in fact held this loan about a month after it was consolidated. I also have a month in which fedloan was paid twice and now fedloan indicates that this payment is ineligible. The foreebearances placed by XXXX add on my account add up to 7 ineligible payments for unknown reasons. I would be done with pslf if they had kept accurate records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: EQUIFAX, INC.
State: SC

Complaint narrative:
My identity may have been used by someone else to open fraudulent accounts. This has resulted in the following ; XXXX XXXX  Account Number : XXXX, XXXX XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX Account Number : XXXX, XXXX XXXX XXXX  Account Number : XXXX I am seeking to have the potential FRAUDULENT information removed from my credit reports. attached below was sent to the credit bureaus months ago, documentation supporting my claims. The credit bureaus are still reporting the potential FRAUDULENT items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX I opened a bank account with truist bank transferred XXXX $ over because I was going to bank with them. They kept sending me back and forth waiting hours I finally reached someone and asked to be escalated he sent me back to the automated statement.

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 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MS

Complaint narrative:
I have been in public education for over 11 years and have had the correct consolidation process and correct payment plan all along to count toward PSLF. However, every year my serviced did not calculate my payments correctly, and during the process of correctly calculating the astronomical payments, they placed me on excessively long administrative forbearances. These not only further delayed my eligibility for loan forgiveness, but also accrued an astronomical amount of interest that capitalized to the principal balance. I have repeatedly asked for the process of filing complaints, whom I can speak with to resolve this issue, and how to generate a bill for those payment periods. I still have yet to receive a response. Anytime I call, I am old hold for hours and eventually request the callback. Never can get anyone on the phone. I sent the XXXX message to FedLoans and they said someone would reach out to me, but I have not received a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 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: EQUIFAX, INC.
State: NC

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 2022-01-27 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: Experian Information Solutions Inc.
State: NC

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 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 2022-01-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
On XX/XX/22, I attempted to pay the Venmo user @ XXXX the amount of {$650.00}. I was expecting a tracking number from him shortly afterwards, however when he stopped responding to my messages, I realized that he was a scammer. I quickly contacted Venmo to report his account and was told that the necessary actions would be taken on his account, but that those actions could not be disclosed to me. I then contacted my bank to ask them to stop the payment. 

Then, the next day, XX/XX/22, I received a reply in the Venmo app to my payment ( presumably from @ XXXX ) that said " Refund will go through by tomorrow account is frozen. '' I'm not sure who made this comment, whether it was him or an Venmo admin person, but when I contacted Venmo, they confirmed that an attempted refund for {$650.00} was made on XX/XX/22, however the refund did not go through. They were not able to disclose the reason the refund was rejected. On XX/XX/22, I received a notice via email that my Venmo account is frozen, that I need to send Venmo {$650.00}, and that this was an attempt to collect debt. 

When I contacted Venmo again, they didn't offer any assistance other than saying, " We take these reports seriously and I can confirm that we will take appropriate action against the receiving account. However, we are not able to discuss the specifics due to our Privacy Policy. ". This leads to me to believe that they also froze @ XXXX 's account and incurred an negative balance on his account as well. If they are trying to collect money from both him and me, then I believe that would be considered double dipping.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
I have Qty. ( XXXX ) go enjoy gift cards, I went to use them at one of the restaurants ( XXXX XXXX XXXX ) the restaurant could not process the gift cards. The manager said they have had problems with these gift cards for over a year, he said you need to go to there website ( XXXX  ) and select redeem and pick your restaurant and you will get an email. The website did not say anything like that an actually just says the card should be able to be used at any of the restaurants printed on the front of the card and the cashier just selects credit. I also tried calling the XXXX number ( XXXX ) this was no help either as you cant speak to a human. The date we tried to use the gift cards at XXXX in XXXX NY was on Monday XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 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: CA

Complaint narrative:
Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX california XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX first citizens bank XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX first XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX UNIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX AOD federal credit union XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Ally bank XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX bank XXXX XXXX market XXXX XXXX DE XXXX XX/XX/XXXX Elastic XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX FL XXXX UT 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 2022-01-27 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: EQUIFAX, INC.
State: CA

Complaint narrative:
Someone or some companies have used my social security number to apply for multiple credit lines, loans and bank accounts causing many inquiries on my report which i did not authorize. These inquires do not belong to me ; XX/XX/XXXX california XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX IL XXXX XX/XX/XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX MA XXXX XX/XX/XXXX XXXX, TEXAS XXXX XXXX XXXX XXXX XXXX TX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX XXXX bank XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXXk XXXX XXXX XXXX XXXX XXXX, NC XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ca XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX first XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XX/XX/XXXX UNIFY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX va XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX XX/XX/XXXX Ally bank XXXX XXXX XXXX XXXX MI XXXX XXXX XXXX/XXXX/XXXX XXXX XXXX DBA XXXX ; XXXX XXXX XXXX XXXX ND XXXX XXXX XX/XX/XXXX XXXX bank XXXX XXXX market XXXX XXXX DE XXXX XX/XX/XXXX Elastic XXXX XXXX XXXX XXXX XXXX tx XXXX XXXX XX/XX/XXXX XXXX credit XXXX XXXX XXXX XXXX XXXX FL XXXX UT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: TX

Complaint narrative:
I have been in public service since the beginning of the PSLF program. I currently show XXXX payments eligible and XXXX plus payments ineligible due to no bill due. During the earlier years instead of being placed on XXXX payment status the loan services would put me in forbearance status for financial hardship which should also count as payments. When calling I am not able to gain contact with a live person hold times are very long. The whole PSFL system is difficult to navigate. Now with the new waiver I may quailing for forgiveness but their is now clear information given.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
In my complaint about Regional Acceptance, they stated that my repossession was not voluntary. It was due to the fact that my ex turned it into the dealership located in XXXX, TX. Regional failed to respond promptly when I called to let them know where the car was located. Furthermore, Regional sold my debt to a collection agency and should not have any say so on how this issue should be resolved. Once it was sold, they no longer had that right. I want this debt removed from the credit reporting agencies since the FOUR year statute of limitations has ran out, not SEVEN like they are trying to state when they have no say so. Texas is four years, not seven. As a consumer, I know my rights and I would appreciate Regional not trying to play for me stupid.

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