vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-24 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: Spring Oaks Capital, LLC
State: NY

Complaint narrative:
XXXX XXXX states I have a Debt in the amount of {$3100.00} that I have no knowledge of. I have tried to dispute this prior and the response back from XXXX XXXX is that it was verified as accurate. No one has shown me proof or verification of what this is for. If this is a debt XXXX  or Spring Oaks Capital LLC believes I owe then I must be provided with documentation on what it is, my signature and all applicable documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Mcburberod Financial, Inc. d/b/a SeedFi
State: TN

Complaint narrative:
In XXXX of XXXX, I obtained what was called a " Borrow and Grow '' loan through SeedFi. I maintained payments on this loan religiously, and was then informed of XXXX of XXXX that Seedfi was selling our loans to another company by the name of XXXX  We were told that our loan terms were going to remain the same, that nothing would change. With Seedfi, we were told that we have a savings account at XXXX XXXX XXXX 
I paid my loan of early, on XXXX, after XXXX retained credit card information that they were explicitly told not to retain and made that the default payment on my account. This could have presented an issue, however, I was able to take care of it before it became one. I have spoken to multiple people at both Seedfi and XXXX and no one can tell me when I will have access to my savings money. It was my understanding it would be released within 7 days, which is a reasonable amount of time. XXXX says it will most likely be more than 30 days ... .that isnt what my contract with Seedfi stated. Seedfi tells me that they have had issues with customers complaining about the same thing as far as not having access to their money when they should. Seedfi also tells me now that they can not assist me whatosever, as they have sold the loans to XXXX I have been hung up on multiple times with both companies when I call to inquire. I feel like they have stolen {$1500.00} from me. 
Could you please help me figure out what they are doing with my money and when I will get it? I have practically begged them to release my money. I have almost lost my vehicle and better waiting on my money to be released. 
XXXX XXXX has never had an account in my name according to them also. I gave them a call when neither company would answer my questions. Ironic since that is where my savings account was supposed to be housed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Omega RMS, LLC
State: AL

Complaint narrative:
Cease and Desist have been sent to Omega RMS. I also demand to see The Bill of Assignments and Chain of Title of all alleged debt bearing my name to validate. I didn't directly consent for this company to have my personal information. I demand my personal data be deleted. Omega RMS is only to contact me thru the CFPB, and stop communicating with third parties about my information. This company has also violated several consumer laws that protect from deceptive practices as stated in my letters. I will seek monetary damages

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: NV

Complaint narrative:
Wells Fargo has charged me multiple overdraft protection fees throughout the years of XXXX when I had money in my account and did not refund me at all during this time. Til this day I have not received anything!

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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: TX

Complaint narrative:
I left XXXX in XX/XX/2022. When I left, I still continued to make some type of payment to them every single month. I was assured multiple times when communicating with them that as long as I continue making some type of payment my account would not go to collections. I made consistent payments. They lied and still sent account to collections as of XXXX with Receivables Performance Management LLC. I call the collection company and the phone call immediately drops. I had someone else call ( not from my phone number ) and the call went through. It seems like they have this block so that the person who owes the debt cant reach them! This is very unprofessional and a setup. Definitely not a trustworthy company!

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 2023-01-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was trying to open a checking account with Wells Fargo Bank by online system, but they asked to walk in and have 2 form of identity, I take with me my California Driver License and my Social security card. 
The banker started my application but after 2 or 3 minutes she told me she is not able to open basic checking account for me, I asked the reason and she didn't have any answer for me.

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 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
The company is currently reporting two missed payments on my account. I was never late, Ive reached out to them on multiple occasions to have this resolved. Spoke with two agents and they both was promising to have them removed.

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 2023-01-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
I declare under penalty of perjury ( under the laws of the United states, If executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL ans STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOALTION punishable under 18U.S.C1001.Additionally, these misstatements are punishable as perjury under 18 U.S.C 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization -used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC XXXX XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  XXXX XXXX XXXX XXXX , SC XXXX XX/XX/2021 XXXX XXXX XXXX  XXXX , SC 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 2023-01-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX XXXX, Back in XXXX or XXXX my Aunt Co  signed a school loan for an online school. XXXX XXXX XXXX. I received a loan for around XXXX. I later learned the school was uncredited and withdrew. I had to file for bankruptcy in XXXX for personal reasons. The loans were frozen at that time. I was told after my bankruptcy that I would reassume the loans. During that time NAVIENT began harassing my aunt for payment because she was a XXXX. I let her know what was going on. Due to the harassment of this company, I had the loan auto-drafted until my divorce in XXXX. My Bankruptcy was closed in XXXX and I started paying the loans again. 
Then came the pandemic and we are waiting for the government 's decision. I have gone on XXXX and requested the consolidation of all of my loans combined as XXXX which should remove any of my aunts ' information from any system. My total loans as of to date show XXXX. I have done everything I am supposed to do. Please help to stop the harassment from NAVIENT. My aunt does not deserve it if I have all of my loans combined in XXXX. According to the law, I thought all of the student debt collection calls were to be stopped. The company is only calling her for payment and not emailing or calling me at all. I believe this is harassment, and possibly even a scam. The number they are calling from is XXXX. They are not listening to what she has told them. They are not listening to the fact that I have consolidated everything on XXXX with all of my current information. I do not have a problem paying my debt. What I do have a problem with is a company that is a bully to a woman who doesn't deserve it. 
I can provide you with the Navient Acct and XXXX XXXX. The account number won't let me look at the account online. I do not have an issue with paying the bill. I do have an issue with an agent threatening to sue over a payment. Especially when everything has been suspended by the government. I would like the calls to stop and for NAVIENT to update their records to reflect that this situation is handled and my aunt will no longer be getting any calls. 
NAVIENT can update its records as paid and consolidated with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I got a letter in the mail stating that my credit file on XX/XX/XXXX of XXXX. That my personal identification information my name, current and previous address and any other identifying information was reported by the creditors. A fraud alert and legislative security freeze was put in place. I have sent out information to confirm my identity. I also however called 4 week ago to make sure my identity was correct with all credit bureaus and IRS, because of a data breach and fraud alert 4 weeks ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
I am currently trying to get out of my lease and buy my vehicle. The car was $ XXXX after rebate and down payment. I was told my lease buyout is $ XXXX XXXX  MONTHS after paying {$650.00} - XXXX on time payments. XXXX Dealership says my residual value on their end is $ XXXX. Thats a {$12000.00} difference that Ally is trying to XXXX me over for. I have multiple buyers wanting my vehicle and all I want is to get out of a lease and into a vehicle thats more sustainable. I will never work with Ally again.

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 2023-01-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Collection Bureau of America Ltd.
State: FL

Complaint narrative:
In XXXX XXXX XXXXXXXX I disputed a collection notice received from Collection Bureau of America. The dispute was over XXXX XXXXXXXX XXXX delivery/services in XXXX that were not as advertised and I refused to accept the delivery. The original date of purchase listed was XX/XX/XXXX ( listed as XXXX XXXX Complaint in attached ). Since then I have received repeated notices stating that I owe different amounts, citing different addresses and different companies ( XXXXXXXX XXXX XXXX XXXX XXXX ). I also disputed this with the credit bureaus ( listed as Credit Letter Dispute in the attached ), however I have yet to receive a copy of an agreement or contract with my physical signature on it to prove that the debt is mine. I also don't know what the charges are for as the breakdown is extremely vague in the most recent notice I received. Further, the most recent notice ( listed as XXXX XXXX XXXX dispute in the attached ) shows a new date of service ( XXXX vs. XXXX ) from the original and a different service address, plus a new account number. I believe that this information is being changed to make the debt more " current '' and keep it on my credit file and pressure me into paying a debt that is not mine. The trade line also lists Collection Bureau of America as an Attorney which is not accurate ( XXXX XXXX XXXX ). Lastly, the most recent notice cites a Florida service address beginning in XXXX and going through XXXX, however my husband is a XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXXXXXX and XXXX I was living in with him at his duty station in XXXX NJ. How could I have water service in Florida?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: IL

Complaint narrative:
I am XXXX XXXX See the attached documents. WHAT WOULD BE A FAIR RESOLUTION TO THIS ISSUE?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
my vehicle was repossessed in the spring of 2021 by Bank of America, after that the vehicle was sold at auction and charged off as and debt profit and loss write-off on my credit report. Bank of America is claiming a balance of {$9200.00} on my credit file. This is incorrect because at lease off the vehicle I purchased a Gap insurance policy. Which Bank of America collected after repossessing and selling the vehicle. So for almost 3 years they have reported false and erroneous details on my credit report. Which resulted in a drop off my XXXX XXXX, resulting in me being denied working in my industry, housing, and the purchase of another vehicle. Ive submitted over XXXX disputed with Bank of America and they've denied them all knowing that the balance was paid in full by the gap insurance policy I purchased for the vehicle. Bank of America has done terrible and shady business with me and violated my rights under numerous State and Federal laws. In the corresponding attachments you will see the original loan agreement with the {$840.00} Gap insurance policy highlighted. Noted this is my 3rd complaint filled with Bank of America thru the CFPB and each complaint is still pending 30 days after submitance with no correspondence from Bank of America.

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 2023-01-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Diverse Funding Associates LLC
State: CO

Complaint narrative:
I recently was contacted by XXXX XXXX XXXX and they stated that there was a debt from 2017 that was owed from XXXX XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX XXXX and they said that a lot of the information on the credit file like drivers license the address, the phone numbers the emails did not match up correctly to my actual information. They believe that the debt was fraudulent. They instructed DNF associates to have XXXX buy back the debt and then they could cancel the debt based on fraud. I have filed a report against XXXX XXXX XXXX and they have recently stated that they have given the debt back to DNF associates. I am trying to have this resolved appropriately and removed from my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
Capital One is accusing me of having an account with them. I first started sending them debt validation letters starting XX/XX/XXXX. Capital One responded XX/XX/XXXX, stating that they " received a internet application from me, on XX/XX/XXXX and the last payment on the account was on XX/XX/XXXX for {$630.00} ''. I sent Capital One a proof of contract letter on XX/XX/XXXX. Capital One responded on XX/XX/XXXX stating that " unfortunately the do not have a copy, paper copy or signature copy of any account with them. Capital One is Accusing me of a debt that I never had and they do not have proof of contract that I even applied for the services. To add to my hard times Capital One Negatively affecting my credit reports and score. They have now sold the debt to XXXX XXXX XXXX XXXX XXXX ( PCA ) XXXX XXXX XXXX XXXX XXXX XXXX Harassing me for a debt of {$520.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Information belongs to someone else
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My identity and information was used fraudulently with Wells Fargo for {$250.00} in 2007

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 2023-01-24 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX # XXXX XXXX XXXX XXXX # XXXX XXXX XXXXL XXXX # XXXX TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX 15 U.S.C 1681 section 602 A. States i have the right to privacy.

15 U.S.C 1681 section 604 A. It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item of information, other than records of convictions of crimes which antedates the report by mare than seven years.

15 U.S.C 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the persom knows or has reasonable cause to believe that the information is inaccurate.

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 2023-01-24 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc

Complaint narrative:
Company : PayPal Service : Paypal Reference : XXXX Date Raised : XXXX XX/XX/2023 at XXXX : XXXX When it happened : XX/XX/2023 Where it happened : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX, XXXX XXXX XXXX, XXXX, XXXX What XXXX XXXX XXXX Happened : HII I REVIECED AN WRONG PRODUCT FROM PAYPAL SELLER NOW THAT SELLER DID NOT GIVE ME THAT PRODUCT NOT EVEN GIVING MY REFUND {$50.00} I RAISED CASE ON PAYPAL AGAINST THAT SELELR PAYPAL IS SAVING HIM BZ THEY WILL HAVE TO GIVE THAT PAYPAL BACK paypal saying i can not do anything helping fraud seller What I want : i want my refund back and punish that seller and i want from PayPal write down sorry letter and to fraud with me This is how they responded : in paypal chat inbox I have decided to escalate my case to you because : The company didn't uphold my complaint paypal helping fraud seller one of that did with me also i do not want to repeat that again i did raised case over there i showed the evidence i have what i order what he give paypal decline my evidence say we do not allow that but seller show same evidence evidence they validated that not mine helping fruad seller Yours sincerely, XXXX XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Compensation XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX this amount is going to remember to help the fraud seller again bz paypal really wasted my time and helping fraud seller User account email XXXX XXXX / XXXX XXXX XXXX complaint against PayPal Paypal case XXXX

Company response to consumer: Closed with explanation