vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-20 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: KY

Complaint narrative:
When I graduated with my XXXX XXXX in 2007, I had intended on taking part in XXXX program. However, I was not offered any information about this even when I called many times- it was always unclear. I did not get a teaching position right away and therefore could not afford to pay these loans, so they went into deferment. When I called about this, they immediately put them into deferment instead of offering me information about income based repayment plans. I ended up learning about this from a friend years later. These smaller payments could have been made and would have counted towards my XXXX  years of payments had I known. When I did get a teaching job and found out about the IBR I needed for the program, they did not tell me I needed to consolidate my loans in the beginning. Then, when I went back for a second XXXX XXXX, without notice, my loans were ere back in in-school deferment. Again, all of these payments could have been counting towards my XXXX  years for forgiveness. Now, I am years behind because of lack of information given about programs and deferments. With the waiver in place this year to potentially make it easier to get forgiveness through the XXXX this year, Im afraid that even though I have been in public service- teaching- for XXXX years, I might miss out on this opportunity because because my loan providers were never straight forward with me on how to make this work successfully in my favor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/2022 I was searching for a specific firearm to use while Deer hunting in Ohio. The XXXX XXXX XXXX series was difficult to find but one website XXXX XXXX XXXX XXXX XXXX had them in stock. The website seemed legit, and I excitedly checked out on the website but noticed something curious upon checking out. The website only accepted XXXX or Bitcoin for checkout and instructions would be sent via email after purchase. The bitcoin was a red flag, but USAA ( my personal bank ) uses XXXX, so it seemed like a trustworthy payment method similar to XXXX that would protect me in case of fraud or a scam. After receiving an email about the checkout process ( see attachment ) I was informed payment would be sent to XXXX. This also sent up some red flags as the email did not seem like an official store XXXX account, but I ahve previously purchased a firearm from XXXX and the sales associate from XXXX has a similar setup regarding payment ( except it was XXXX, not XXXX XXXX. I proceeded to send the money ( {$1000.00} ) from my USAA checking account to the email via XXXX on XX/XX/2022 ( see attachment ) to purchase the firearm. I received an immediate response that the order would process and I would receive shipping information word shortly. After not receiving any follow-on word about the order, I did a quick search and found out that it is a scam website and my initial instincts were correct. I wasn't concerned because if XXXX was anything like XXXX they would refund my money and help prevent others from getting scammed. Sadly, my complaint to XXXX went nowhere ( see attachment ). They informed me that the recipient 's bank refused to help and refund the money back to my account ( no surprise there ). USAA was also informed and their investigation also found similar results with the recipient refusing to refund my money ( see attachment ). I am furious that USAA uses a service like XXXX and it has literally become a pipeline for scammers to sucker people out of money who believe it to be a trustworthy app like paypal or a normal credit card that protects customers from scams. I am also extremely dissatisfied with both company 's handling of the situation and how little help I received with the investigation of this scam and receiving my money back. I will continue to fight this until my money is refunded and that website is no longer online so others do not have to suffer this loss. Please help me with my cause.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
We opened a checking and saving account with citi bank in XX/XX/XXXX. They had a promotion that would deposit {$700.00} to our checking account after three months under certain conditions. We satisfied these conditions. However, after three months, in XXXX they closed our checking account without even notifying us. In XX/XX/XXXX, we contacted them asking about the {$700.00} promotion credit, they said that they tried to deposit it but our account was closed ( they closed it without our knowledge ). They asked us to open another account so that they can deposit {$700.00} again. However, more than 5 weeks passed and nothing happened. When we contacted them, their response was it is going to take a while. At this point, we havent received the credit yet. 
We believe that the citi bank is mistreating the customers by promising a promotional credit, then closing the customers account so that the promotional credit can not be deposited. During this whole process, we were not notified at all by the bank. Please investigate this behavior. Thank you.

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 2022-02-20 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: GA

Complaint narrative:
A loan was taken out in my name in 2018 with XXXX XXXX in California. I have never lived or visited California it is a fraudulent account.

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 2022-02-20 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: ERC
State: GA

Complaint narrative:
A loan was taken out in my name in 2018 with XXXX  XXXX  in California. I have never lived or visited California it is a fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I disputed a charge back in XX/XX/2022 that was fraudulent. I even received a fraud alert from Citibank and I immediately reported it as fraudulent and was given a new card ( I have attached such emails below ). It was removed initially during the dispute process but ruled in favor of XXXX even though I did not make such charges. 

The charge reads : REVERSE XXXX XXXX XXXX {$280.00} Purchased on XX/XX/2022 Posted On XXXX XXXXXXXX XXXXpend Category XXXX It seems to me that XXXX is an airline or travel company, and if you check what was probably purchased, none of it relates to me as I have not planned nor traveled anywhere in the last few months.

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 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Citizens bank has been charging outrageous overdraft fees. The fees are so much that I can never get ahead and when my paycheck gets directly deposited I have no money. They will charge {$37.00} for each overdraft. And additional {$30.00} each day you are negative. And, if they return a payment to a creditor they charge you another {$37.00} for each transaction. Other banks give you more time to satisfy your account without all of these crazy fees. Citizens now gives you one day to credit your account " peace of mind fee '' which is not. Because you not only have to pay the overdraft on your account you have to pay all of the overdraft fees as well. It just isn't fair and they make so much money off of people having money troubles, especially with the pandemic. 

I contacted them on XX/XX/XXXX and asked that they freeze or close my account, because I am still getting charged a lot of fees ; due to my returned payments to creditors being resubmitted which again causes {$37.00} for overdraft and additional {$37.00} to return ; it's like a never ending cycle. I was told by the bank that they can not freeze or close my account until it has a zero balance. I told them I was concerned about more fees being charged to my account that is now out of my control ; and I was told there was nothing I could do until I brought my account positive. I can not do this ; I now owe over {$1000.00}, if I wasn't charged all of these fees to begin with my creditors would have been paid. The other thing they do is you look at your account one evening to make sure everything is paid ; then the next morning I find things posted over night and overdraft fees charged ; when I thought my account was okay. 

This is a never ending cycle, I can not get out from under this and I have no money to live on. I have a disabled daughter who may need to have surgery very soon and I have no money to take her to her appointment which is over 3 hours away. I begged and pleaded with the bank and they didn't help at all. 

I am hoping someone can please help me. My account number is : XXXX, XXXX XXXX XXXX XX/XX/1969 ; last 4 ssn XXXX. 

I would like all of these fees be returned to my account and then close my account. I am done banking with this bank ; I have been charged thousands of fees and they are making so much money off of me ; and now I am behind on my bills as well. 

Thank you, XXXX XXXX PS you will most likely receive something from the Federal Reserve Consumer Help Center, because I filled my complaint with wrong bureau and they told me they would forward my complaint to your office.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-02-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I've made efforts to correct misinformation, inaccurate data and false accounts reporting on my file and this CRA has refused to be transparent with their investigation, continue to house false information on my report and keep me from maintaining maximum accuracy as outlined in the FCRA. 

Since XX/XX/2021, I've been sending correspondence concerning the inaccuracy of my consumer report. There are accounts reporting on my credit such as XXXX XXXX XXXX XXXX  XXXX XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, no sufficient proof has been provided to me concerning the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

I have reached out to Transunion and the adjacent companies about these errors and lack of compliance countless times to correct information, request further details or demand deletion for lack of sufficient proof and they have chosen to either not respond to my requests or not perform their duties in accordance to the laws that are set to follow.

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 2022-02-20 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:
The misinformation, inaccurate data and false accounts reporting on my Equifax consumer file is blatant neglect on this CRA 's part. Their lack of transparency with their investigation and willingness to furnish false information instead of maintaining maximum accuracy as outlined in the FCRA is ridiculous. 

Since XX/XX/2021, I have sent certified mail and documented my process concerning the inaccuracy of my consumer report. There is erroneous information reporting on my credit such as XXXX XXXX XXXX and XXXX XXXX in the sums of {$1700.00} and {$230.00} that have not been verified, the lack of sufficient proof has been polarizing in terms of receiving no further documentation of their findings like I requested. Equifax has not been concerned in assuring the validity of these debts and the claim that I owe them. They're also not in compliance of federal and state laws as I was given no notice before they reported to bureaus, upon disputing they have came back " verified '' without showing permissible purpose to attempt too collect these debts and have had complete disregard for FDCPA laws. 

After reaching out to Equifax for months concerning these accounts and the companies helping them furnish fallacies I sent correspondence letting them know my next steps and have yet to receive a document of what I originally have been asking for concerning the questionable information on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NY

Complaint narrative:
I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If XXXX wants to continue doing business with me, they should delete these inaccurate account off my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: NY

Complaint narrative:
I would like to state that XXXX is in violation of 15 USC 1681b ( a ) ( 2 ) which states that a consumer reporting agency may furnish a consumer report in accordance with the written instructions of the consumers. I the consumer never gave XXXX any written consent to report anything on my consumer report. No consent is identity theft. I have enclosed a Identity Theft report which states that account ending in XXXX are being illegally furnish on my consumer report. I demand that you remove these inaccuracies off my consumer report. If they are not removed I will not extend my credit to anyone or allow XXXX to furnish a report for me. I would like to state that pursuant to 15 usc 1681 ( a ) ( 2 ) that the banking system is dependent upon fair and accurate consumer reports. By XXXX allowing these inaccuracies to be furnish on my consumer report it has cause me to lose confidence in the banking system. If XXXX wants to continue doing business with me, they should delete these inaccurate account off my consumer report.

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 2022-02-20 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: WI

Complaint narrative:
On the night of XX/XX/XXXX around XXXX I received several missed calls from a number tagged " Wells Fargo XXXX '' The number was the same service number as on the back of my bank card. Earlier in the week ( XX/XX/XXXX ) I was informed that my account information may have been compromised and I was being sent a new card ( see attached picture ). The information about the new card/account information being compromised was legitimately from Wells Fargo . When I finally picked up the call on the night of the XXXX, I was told that there were fraudulent charges pending on my account due to my account being compromised and that I would need to use my XXXX account to transfer the money back into my account. The amount was for {$1000.00}. The person on the other end seemed to know how much money was in my account, that I was with Wells Fargo and that my account had been compromised. I dont know how this person could have access to that information unless they are affiliated with Wells Fargo .

In order to transfer the money back into my account I only had to read a code from my text message to authorize money being sent back to myself/stop the pending fraud charges. 
I realized very quickly that the money had been taken from my account only with the code I read aloud. The money was transferred to someone from XXXX XXXX XXXX XXXX XXXX XXXXas shown in my text messages after the money was taken from my account. 

I contacted Wells Fargo immediately ( within 1 minute after I hung up ) to see what could be done. They immediately recognized the scam/fraud and said that it had happened a lot that night. They called it a fraud, but later denied my claim and denied that it was a fraud, saying I authorized the transaction. I was coerced into giving information ( code from my phone ) which I was falsely led to believe was stopping a pending fraud charge. 
Wells Fargo made a report, but have not returned my money that I lost -- {$1000.00}. They have opened and closed the claim multiple times, but I have not given me my money back. It is closed now. I believe I am covered under regulation E and I am asking for help getting my money back. Thank you for your help in this stressful time.

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 2022-02-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Credit Corporation
State: VA

Complaint narrative:
I don't have any knowledge of this account, I receive no communication in mail and when I researched company no information, and when sent to original they had no clue of the debt and letter was returned, I sent request of validation to company reporting and tho the credit bureau and got no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 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: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I have an active complaint against Midland about the way they have reported an account ( complaint XXXX ). Since I filed this complaint they have repeatedly flagged my account to the reporting agencies as a collection- as if it is a new collection and it is coming up as a negative alert with all agencies. I will attach what alerts I have gotten from XXXX as an example. Please note it is not an alert that they have noted my dispute, added wording etc just that they keep reporting a collection. Prior to the issue I lodged the complaint about, they did not do this AT ALL. I believe they are retaliating against me for filing a complaint with CFPB as a form of intimidation to get me to pay on a debt I do not believe to be mine and have request proof through your agency

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Investment Retrievers, Inc.
State: TX

Complaint narrative:
I ( a natural person ) was issued a false debt that was issued in the mail. I responded to Investment Retrievers INC. letter on XX/XX/22. I have not received proper validation of the alleged debt as I asked in my response letter. I was instead sent another collection letter which is disappointing that my original request has been completely ignored. I do not recall contracting with this company let alone giving permission that they obtain my location information and contact me multiple times. This is a clear violation of my rights under Title 15 US Code Chapter 41 COMMERCE AND TRADE ( SUBCHAPTER 5 ) FAIR DEBT COLLECTIONS PRACTICES ACT .....

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: CarMax, Inc.
State: SC

Complaint narrative:
My car was repossessed back in XXXX. I had to pay {$2100.00} to get it back. I was told that some of the past due would be put at the end of the loan. Its still showing {$1200.00} past due. CarMax didnt keep the promise that was made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Block, Inc.
State: TX

Complaint narrative:
On Wednesday, XX/XX/XXXX at XXXX, someone stole my card information and made two {$50.00} charges in XXXX XXXX TX at an XXXX gas station. I live in XXXX XXXX. I let Cash App know that those purchases were not made by me and that my card information was stolen. Cash App told me that they won't refund those charges because they weren't suspicious. Cash App refuses to refund stolen money back to my account.

Company response to consumer: Closed with explanation