vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-09-17 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: OH

Complaint narrative:
In XX/XX/2019, I opened a request with myfedloan.org to correct payments that were misapplied towards my XXXX. I had previously been working with XXXX  and when my loans were transferred over to myFedloan upon applying for XXXX, payments made are not being applied towards my XXXX accounts. I have made countless phone calls to them in the XXXX years since and Ive been given the runaround about this numerous times. I have been informed on more than XXXX occasions by myfedloan that they are handling this and correcting it. Nothing has been done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IN

Complaint narrative:
I contacted 5/3 Bank two times by their Internet contact form instructing them to close my account. They refused to do so, stating I had to go to the branch. After the first time I was given this information, I responded back instructing them to close the account because I live in an area where people are non-compliant with masking, vaccination, or any other Covid mitigation. Talking to someone from my area in person or going into a small bank branch would be far riskier than being bitten by a rabid possum.

I then called the telephone number for customer service, and the person there repeated the same information by rote, even after I repeated my concerns that this was a death sentence for me and my family. The individual refused to respond about what would happen if I died ( presumably, unable to come into the branch ).

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: TX

Complaint narrative:
I have disputed multiple inaccurate accounts they are reporting to my credit report and they have failed to respond to my disputes! These accounts are false and inaccurate! 

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 explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CLGF Holdco 1, LLC
State: NV

Complaint narrative:
Via USPS, on or about XX/XX/XXXX, I received a statement from Genesis Credit informing me that I made a purchase from XXXX -- Corp. Office Purchase, on or about, XX/XX/XXXX. what year? it was left off the statement. 
The amount is quoted as being {$1600.00}. since I have never made any purchase ( s ) from XXXX and I have never done business with Genesis I called to there XXXX offices to try and settle this on XX/XX/XXXX @ XXXX XXXX  PST. I Spoke with an agent whom Identified herself as XXXX. I gave her the account number listed on the statement mailed to me. I explained that I was trying to resolve this issue by speaking with Genesis, so I wouldn't need to reach out to the CFPB. The agent said she'd be sending me an I D Theft form. I told her I would not be giving Genesis any further information about myself because I have no idea who they are! ( I want the form to pass on to the CFPB )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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: OneMain Finance Corporation
State: NY

Complaint narrative:
These accounts don't belong to me. Please remove them form all 3 credit reporting agencies. please see below the list of accounts that are reporting derogatory on all 3 credit reporting agencies : 1. Identity Theft US SM BUS ADMIN XXXX  Date of inquiry : XX/XX/XXXX This is not mine. 

2. Identity Theft ONEMAIN Date of inquiry : XX/XX/XXXX This is not mine. 

3. Identity Theft XXXX XXXX XXXXTO Account Number : XXXX This is not mine. 

4. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

5. Identity Theft XXXX  Account Number : XXXX This is not mine. 

6. Identity Theft XXXX Account Number : XXXX This is not mine. 

7. Identity Theft XXXX XXXX XXXX Account Number : XXXX This is not mine. 

8. Identity Theft XXXX XXXX Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I ordered a phone ( XXXX XXXX XXXX ) XXXX XXXX. Prior to ordering the phone, on XX/XX/XXXX, I called XXXX ahead of the purchase to gather the proper information needed to decide if I should make the purchase. During this call, I confimred with the customer service representative that upon purchasing the phone that the monthly payment associated with the phone ( {$19.00} ) would be linked to my XXXXXXXX  phone bill and that I would pay XXXX directly for the purchase. I then puchased the phone online through their website, upon receiving confirmation, I was directed to contact TD Bank in order to complete the purchase. This is where even more concern of mine comes into play. I contacted TD Bank on XX/XX/XXXX to finalize and activate the purchase at which point I confirmed multiple times over the phone with the representative that not only would my payment be linked to my T-Mobile phone bill, but that was purpose of this call in general as the linkage can not be done online and required a live representative. Upon receiving the phone, months later, I began receiving bills in the random amount of {$19.00} from TD Bank for an account that I had no knowledge of. I began making phone inquires regarding this account attempting to dispute in XX/XX/XXXX. In XX/XX/XXXX, I believe that is the correct month, I was directed to file a dispute online. This dispute took well over 90 days to resolve and the resolution on indicated that they confirmed I made a purchase with XXXX XXXX. None of my request to look into their deception was reviewed and completely overlooked. I was never looking to open a credit card account, and I have actually never even received a credit card from either organization. However, my credit has been incredibly impacted and I owe way more on the balance than I ever intended on paying for a phone for an account I should have never had. Since receiving the results of the dispute, I have attempted to redispute this with both TD Bank and XXXX XXXX as none of my questions were responded to. I have also been pending a manager call back from TD Bank and made over 4 requests for this just in the last month alone with no response.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Block, Inc.
State: TX

Complaint narrative:
On XX/XX/XXXX I sent XXXX + XXXX to a counter top business that utilizes cash app. The next day I sent the remainder balance for a total of XXXX XXXX the business never supplied material for home I contacted authorities andthe detective on my case has filed a felony charge against the individual XXXX XXXX. I contacted cash app and supplied police report contract as well as my bank and my funds since have not been returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: BARCLAYS BANK DELAWARE
State: OR

Complaint narrative:
On or about XX/XX/XXXX, I applied for a Barclays Bank USA credit card. I currently have one Barclays credit card that I have had for approximately 9 years without any issues whatsoever. This card was opened using the exact same address and personal identification as the one I applied for on XX/XX/XXXX. 

Shortly after submitting my application, Barclays mailed me a letter asking for a copy of my driver license, Social Security card and proof of address. Since I am currently with my husband who is on XXXX XXXX with the XXXX XXXX XXXX, I tried to get a fax number to which I could send the requested documents. After an extraordinarily difficult attempt, I was finally given a fax number and I promptly faxed all the documents requested. Well after successfully faxing the documents, I received yet another letter requesting the same documents. I faxed them successfully yet again. 

On or about XX/XX/XXXX, I received yet another letter from Barclays that contained my application ID # XXXX and stated I needed to call to help them verify information on my application. 

I recently had major XXXX  XXXX and am currently XXXX. The letter from Barclays specifically stated a TTY number that could be used for those with XXXX  issues. I used the XXXX XXXX XXXX service to call the number Barclays listed and the number is broke. The number when answered demands a credit cad number, but this is not abut an existing account. After not entering a credit card number, the system then offers ONLY two other options : 1 ) Report a lost or stolen card. Since this issue in no way pertains to a lost or stolen card, I could not select that. The only other option available is 2 ) Check the status of a current application. Selecting that option only states that their automated system can not provide a status update and says I must check online or wait for a letter in the mail. It then promptly hangs up. 

I called the other number listed on the Barclays letter that is not a TTY number. Since I am not able to speak, my husband spoke with the representative and they basically stated I needed to call them myself after my XXXX passes.

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 2021-09-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My chapter XXXX Bankruptcy had account # XXXX in it and Wells Fargo coded it as such. It was discharged XX/XX/XXXX and stayed on my credit report for 7 years ( until XX/XX/XXXX ). 
I have proven the short Sale was a Conflict of Interest. 
So what am I waiting on. With Wells Fargo and 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 2021-09-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I got a credit card with homedepot when i was buying a new freezer. They promised XXXX dollars off. The card only had a XXXX dollar limit and the freezer was XXXX. To get the XXXX dollars off i had to spend XXXX. I bought some more stuff but nothinh went through so we had to call customer service. Someone called and was goimg to fix the card but then they said the systems were all down. This is while i was at the store waiting. Everytime i called back they said the system was down huge waste of 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 monetary relief
Consumer complaint received 2021-09-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
Company is Comenity.net/easypay I used credit through Wayfair ( not knowing it was Comenity at the time ). They swear they sent me statements, called and emailed but I never received these messages and only occasionally received statements in the mail. In XX/XX/2021 I called and paid off the bill, per their representative what I paid was the payoff. Since then they have been adding interest and late fees which I have paid several times, today being I hope the last. I believe they have milked me for over {$100.00} in late fees and interest on late fees. They refuse to remove the late fees. Today I called after receiving another bill yesterday for {$30.00}. The statement said the balance was {$30.00}. When I called complaining " XXXX, ext XXXX '' said I had residual interest each payment and they were charging the late fee and additional interest. I paid off, again, what she says is the balance which today was {$30.00} ( different than the statement ). So from this I presume that I am being charged $ XXXX/mth late fees on {$0.00} plus {$2.00} interest ( minimum interest ). This is unfair as I called in and paid off the balance in XXXX. I have been paying this each time thinking I am paying off the account and they keep adding more and more interest. I believe they owe me $ XXXXmonth for XXXX, XXXX, XXXX and XXXX with interest at same rate they charge ( {$2.00} monthly minimum charge ). Today, XXXX told me this is industry standard to keep charging clients this way. It is way out of line and I have never had a bank do this to me. I have hit some hard times, especially with COVID, but I pay my true bills.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-09-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investigate this and fix it. Im really sick and tired of these XXXX. Should there be any updates on my inquiries, Im gon na go to court.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
On XX/XX/2021 I authorized a transfer of {$2800.00} to my son, XXXX XXXX, via my Bank of America Checking account, using the Bank 's XXXX online banking transfer tool. The recipient XXXX for my son, XXXX XXXX, was loaded with a mobile phone number which I trusted to be his mobile phone number. However, that mobile phone number in the XXXX  was off by one digit. My son 's mobile number is ( XXXX ) XXXX but the number shown in the XXXX XXXX  was ( XXXX ) XXXX. I contacted Bank of America that same day after speaking with my son and learning that he did not receive the transfer and has no XXXX account, I asked Bank of America to correct the matter and return the {$2800.00} to my account. They explained that they can see the transaction in their system and that the error is not theirs and the funds appear to have been routed to an XXXX XXXX XXXX XXXX  account but they can not identify the specific recipient. They said they will have their appropriate department investigate ( XXXX claim # XXXX ) and if indicated follow-up with XXXX XXXX XXXX and hopefully the transfer can be reversed. Two weeks later I received a letter ( Dated XXXX XXXX, XXXX  ) from the investigations Dept. at Bank of America saying, " Unfortunately we are unable to approve your recent claim because our records indicate that we completed the transfer according to the instructions you provided us, and therefore no error occurred. Based on this your account won't be credited. However, as a courtesy, we're researching your inquiry with the other party in an attempt to recover the funds for you, and will notify you if we need additional information. Keep in mind it may take up to 45 calendar days for us to hear back from the other party. If we receive any additional information from them we'll contact 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 2021-09-17 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: CA

Complaint narrative:
MY NAME IS XXXX XXXX AND I'M A VICTIM OF IDENTITY THEFT AND I'VE BEEN TRYING TO GET MY CREDIT FILE CORRECTED DUE TO THIS UNFORTUNATE SITUATION. I'M NOT HAVING ANY LUCK WHEN I SUBMIT MY INFORMATION DIRECTLY TO THE CREDIT BUREAUS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Oliver Adjustment Co.
State: MI

Complaint narrative:
Several months ago, I received a bill from XXXX XXXX XXXX  XXXX XXXX ( XXXX  ) for XXXX XXXX allegedly performed on XX/XX/21. I wasnt in XXXX XXXX on XX/XX/21. I found information online but no website. I eventually found out that XXXX performed XXXX for a local hospital. XXXX phone had been disconnected. I called the phone number on the bill. They refused to supply information unless I gave my SSN or DOB. I refused. I did inform them that they had the wrong XXXX XXXX XXXX. No further progress could be made. 
Several months later, I received another bill. I ignored it. Today, XX/XX/21, I received a bill from what purports to be Oliver Adjustment Co , XXXX, which claims to be a collection agency. I called the phone number on the bill, XXXX, and spoke to a woman who identified herself as XXXX XXXX. Her name is also on the bill. She refused to provide any information without an SSN or DOB. I refused. I then spoke to a person who identified herself as XXXX. She refused to give me her full name, claiming she was legally prevented from doing so unless I gave my SSN or DOB. I informed them that they had the wrong person, but they refused to proceed unless and until I had provided them with my SSN or DOB. They hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Go Capital Holdings, LLC
State: IN

Complaint narrative:
I am the Consumer and Natural person and my rights has been violated.

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 2021-09-17 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
Company is called Credit Corp Solutions. They are out of Utah. They keep calling me from local area codes ( same area code as my phone number ). The never leave any sort of message. The phone numbers, when searched, do not provide any details of the caller. Most people receive many spam calls, the calls from this company appear to be spam calls as the are 1. ) not from a " business-like '' phone number, e.g. phone number ending in XXXX or with repeating ending digits ; 2. ) they do not leave a voice message ; 3. ) phone calls keep coming from different numbers. I do not answer these calls as they appear to be spam. 

I contacted a number from a missed call 3-5 times. I asked who they were. They mumbled something inaudible or told me " they deal with personal business matters. '' I specifically asked over and over and over again if they are a collection company/agency, etc. They REFUSED to admit that they are a collection agency. " We handle a variety of personal business matters. '' Asked again if they are debt collector, got another deceptive response, asked again, and again. Last call to them, I asked about 6 times, got 6 different answers until they finally said that they are a debt collector. 

No one at any point said to me " this is an attempt to collect a debt, any information obtained may be used for that purpose. '' They repeatedly asked my name and tried to get me to tell them my name. 

I told them " I had a medical bill, and the only one who would be calling me would be someone collecting a medical bill, are you a debt collector? '' They responded by again asking my name and trying to get me to verify my name and telling me they handle many different personal matters. 

I think that their phone behavior in refusing to admit the name of the company, refusing to admit that they are a debt collector, refusing to disclose that they are trying to collect a debt, telling me on the phone on 5 separate calls that they handle " personal business matters, '' and repeatedly trying to verify my identity is deceptive.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-17 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent certified letters to Experian on multiple occasions requesting original signed documentation to verify the following : XXXX - Not my account XXXX XXXX- Not my account XXXX XXXX - Not my account XXXX XXXX- Not my account XXXX Bank- Not my account XXXX XXXX- Not my account XXXX  XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX XXXX XXXX - Did not authorize this inquiry XXXX XXXX - Did not authorize this inquiry I asked them to send me original documentation supported with my signature and other forms of proof tied to me. I have received nothing, nada, zip. It has been over 2 months and still no response.

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