vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
I ( a natural person ) was issued a false debt that was furnished on my consumer credit report. I disputed this alleged debt directly with the debt collector and in its findings it was found that the alleged debt did not belong to me and was inaccurate. Furthermore, the debt collector, AARAGON COLLECTION AGENCY LLC provided my letter of deletion and a XXXX out balance which I have uploaded alongside with this complaint for the companys failure of. However, during the duration of this inaccuracy furnished on my consumer report has cause harm and damage. Why should I have suffered anxiety, loss, and a consumer report with a negative account that did not belong to me for the unlawful willing failure of. During this time I was depressed, overwhelmed with anxiety, and violated by AARGON COLLECTION AGENCY LLC. The furnished alleged debt on my consumer credit report violated the FCRA by failing to follow reasonable procedures to assure maximum possible accuracy in consumer reports, infringed upon a consumers right to privacy, and no permissible purpose/no written instruction.

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 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Ascendium Education Group
State: MI

Complaint narrative:
HI, All Federal Student loans were discharged due to permanent and total XXXX. All of this was completed thru XXXX and the loans were discharged thru documentation provided by the VA. XXXX is the loan servicer and they sent me information showing the loans as in fact discharged. The problem is 5 FFELP loans guaranteed thru Ascendium are showing still active.

I have tried contacting your company on numerous occasions and have had zero luck in receiving anyone on the phones. I have also sent emails and have not received a response back. Maybe the contact information received is wrong ; who knows. I am attaching documentation from XXXX showing loans discharged. Again, 5 loans guaranteed by Ascendium are still showing active.

When logging into www.studentaid.gov it reflects I have zero Federal Student Loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
My Name is XXXX XXXX. I recently had my house broken into they stole my wife purse along with my mobile phone and other things. The guy XXXX  himself {$500.00} twice I contacted the bank and they refuse to help me in addition Ive been hung up on by representatives.

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 2021-10-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XXXX removed this collection company off of my credit file. I have submitted investigation report to TransUnion and to XXXX showing the removal of this item from my XXXX report. XXXX XXXX is not the debt collector for this alleged account. The reason for removal is that XXXX XXXX XXXX did not have to legal authority from the original creditor to place this inaccurate information on my credit file. That is why XXXX removed this account. I have ask and sent supporting documentation to XXXX and TransUnion showing the collection has been removed. They both have sent back in less then 24 hours that the information has been verified through their quick investigation. I'm requesting Names, Written Contract and is the companies registered to collect a debt in the state of Maryland that has reached it's statue of limitation.

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 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I did not get the {$300.00} bonus after fulfilling offer terms. I did not have a checking account 12 months prior to account opening. But I did not get bonus with reason that I had an account 3-4 years back. 

Also I had to email them to remove monthly fees every month, although I kept the required {$2500.00} balance from beginning to avoid that fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I did not get the {$300.00} bonus after fulfilling offer terms of XXXX direct deposits and with {$7500.00} balance. Promo code was XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: CA

Complaint narrative:
I used my Citibank Credit card to purchase XXXX XXXX airline ticket. The ticket was given to me through XXXX but the charge on my credit card shows " XXXX XXXX ''. XXXX XXXX cancelled my ticket and had to provide me a full refund. XXXX at first was not giving me a full refund, so i started a dispute with citibank. XXXX after 2 months finally agreed to refund me the full amount upon which i closed the dispute. But after passing of further 2 months XXXX did not refund me the money. I called XXXX XXXX and they said that XXXX has charged the credit card and they will provide the refund. I was surprised to hear this and got suspicious. I tried to call XXXX but there helpline will not let me connect to any help line and says my Itinerary number is not valid. i can not connect with XXXX, so i called the citi disputes center and told them that XXXX confirmed to me that I will get a refund but has not responded. Citi tried to open the dispute again but told me that they can not re-open this dispute. 
Upon calling XXXX XXXX  they say XXXX can help me get the refund. Both XXXX and XXXX XXXX are not helping and Citi dispute team has not helped. As a consumer i have been played and lost my valuable money and time. The winner here are corporate giants XXXX and XXXX XXXX and I can not do much.

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 2021-10-02 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: FL

Complaint narrative:
All 3 major credit bureaus is reporting false information on my credit report for XXXX XXXX XXXX credit card with a {$1000.00} limit. The credit bureaus is reporting that this account was a charge off and it was settles for less than what is owed. This is completely false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
All 3 major credit bureaus is reporting false information on my credit report for XXXX XXXX XXXX credit card with a {$1000.00} limit. The credit bureaus is reporting that this account was a charge off and it was settles for less than what is owed. This is completely false information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: EQUIFAX, INC.
State: FL

Complaint narrative:
All 3 major credit bureaus is reporting false information on my credit report for XXXX XXXX XXXX credit card with a {$1000.00} limit. The credit bureaus is reporting that this account was a charge off and it was settles for less than what is owed. This is completely false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: WA

Complaint narrative:
The US bank employee refused to add my wife to my checking account, she stated I had to make an appointment at a different branch due to them being busy. An employee was on the phone and she wasnt busy. She took a check I wanted to deposit and refused to assist me further. I asked her could she call another bank to see if they had any availability to see me and she stated she could not do that. That isnt true another employee did it at another branch after I left that US bank. She was rude and kind of mean and I thanked her anyway. She was a XXXX XXXX  and seemed very irritated with myself and my wife. I am XXXX and my wife is XXXX. 

The bank is located at XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and it was approximately XXXX in the afternoon. She advised me to go to another branch to receive service to add my wife to my account. Again no one was in the bank and she refused to service us. We had to go to two more banks before we received service. When we went to the second US the same day - XXXX XXXX ( Client Relationship Consultant ) at US bank located at XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX called the US Bank located at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX and asked if they could assist us. Her branch was really busy, however she took the time to assist us in finding a branch that could help us. So we drove to the third branch in XXXX to get assistance and they did an excellent job!

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 2021-10-02 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have had a XXXX XXXX credit card for at least two years and have used it many times and paid in full. Currently have a XXXX  balance out of a {$1500.00} credit line. I like to use it for the rewards and XXXX gifts. Well, Capital One recently took over XXXX XXXX XXXX accounts. It was formerly XXXX XXXX Once they took over, they sent me the usual notifications letters, terms, as well as a new card. Then, suddenly, on XX/XX/XXXX, I find a " closed account '' and " restricted account '' on my credit bureau and my online account. Unreal, this is the forth time Capital One has closed my account for no reason. I last used the account in XXXX of this year, so I don't buy non use of the account as a justifiable reason. It's useless to call and speak to a rep because they simply say it's their right to close for no reason. Yes, I had a bankruptcy in XXXX when I had a XXXX XXXX XXXX on the job and I needed protection from relentless creditors calling ; all of which when I received my settlement, I voluntarily paid ALL of my debt. Therefore, Capital One was paid in full plus interest. Recently they granted me a credit card, sent it to me, and closed it before I could even activate it. This is ridiculous! U have XXXX  balance on 12 credit card accounts. And two revolving accounts with 0 % interest lawn mowers, otherwise they would be XXXX. I am sick and tired of Capital One destroying my credit. And XXXX XXXX  is one of my favorite stores, now I will not be abled to enjoy the 10 % rewards while shopping there. Capital One needs to be held accountable to a higher force for unjustifiably stripping honest customers of their credit card. Two years ago they closed another account for using it beyond their expectations. What? I bought my son tires for his pick up on credit and immediately paid them off. This company is unfair and needs to be stopped. I would appreciate your help in holding them accountable. As a consumer, my hands are tied. In their lengthy pamphlet they can do whatever they want with no reason. How is this fair?? Thank you. Any help will be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: MoneyLion Inc.
State: CA

Complaint narrative:
On XX/XX/XXXX I filed a dispute for several transactions on my debit card for a company who had locked and took away my access to the digital content I had purchased and didn't issue me refunds on. On XX/XX/XXXX I submitted my written complaint to the debit card company as I was told I would have to do so in order to be considered for provisional credits. They stated my 10 business days would start the day I sent written confirmation not the day I began the dispute with a phone call. On XX/XX/XXXX when I had heard nothing back from money lion I contacted the support to find out what was going on. I was told the dispute department had additional questions I needed to anwser I replied back to those questions the following day and contacted support again on the XXXX. This time I was told because I had not answered back the requested for the questions my 10 days provisional credit would take longer as they needed more time. I told them that was the reason that law was in place to which they began giving any and all reasons why I hadn't been issued my credit. Then finally to blaming me for sending my initial written claim to the wrong dept. I sent It to the email I was emailed the claim form in. They still won't issue my credits stating they need more time. It has been 19 business days since I called In dispute and 13 since I wrote to get the credits as they require

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Problem adding money — 
Company: Winklevoss Exchange LLC
State: MD

Complaint narrative:
XXXX i called this number thinking that they are real GEMINI SUPPPORT. but instead of fixing my problem, they stole all my money. then I checked the internet with their number and i found that they are scamming people with this number. Its my request to FTC to anyhow stop their number as they are running the biggest crypto currency scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I Have been diligently contacting Equifax in order to remove a Old Consumer statement from my report Since XX/XX/XXXX for a month now. The Consumer Statement was not made by me and is a result of Identity Theft in the past. All 3 of my Credit Bureaus had Fraud Alerts and Equifax Must Remove this Consumer statement. I have spoken to 3 different managers and 5 customer service representatives In Equifax customer service department and they all say they have removed the Consumer statement and will show as removed on the credit file in 72 Hours and they give a confirmation # but the Consumer statement still remains on my Equifax Credit Report eventhough I have no collections with Equifax and the Consumer statement was not done by me. I need The CFPB to request directly to Equifax that the Consumer Statement be removed Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Hi Sir, I have made a transaction on XXXX website for a pair of shoes on XX/XX/21 worth {$50.00}. 
Later on I found out that there two transactions were posted to my account. Here I disputed one of the transaction with my bank, and got the credit. 

On investing further I realized that XXXX has created two orders of the same shoes with order Id XXXX and XXXX. 
So I decided to return one pair. 

On XX/XX/21 the dispute went against me by the bank and bank charged me again {$50.00}. 
On contacting XXXX I learned that they had posted my refund but it was rejected my the bank. I again contacted the bank and their representative suggested me to request XXXX to post the refund again. In a live session XXXX posted and shared proof that bank is rejecting refund. 
I shared same with my bank. They raised a new dispute since there was problem at bank side and gave me the credit again. 

Now yesterday XX/XX/21 I again saw similar charges back on my card. I am attaching the proof I have and few conversations with the bank,

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I have attempted numerous times, more than three, to get the incorrect items deleted from my report by contacting the credit reporting agency and informing them that the information that they are furnishing is inaccurate and incorrect. My most recent attempt was done on XX/XX/2021 when I sent written communication along with a response letter from the U.S.D.C. Clerk, via CERTIFIED MAIL with RETURN RECEIPT, to the credit reporting agency informing them, with attached proof, that they were furnishing inaccurate information to my report. This is my final attempt at resolving this matter with the credit reporting agencies. If the items that I have disputed with them are not deleted from my report within THREE ( 3 ) days after receipt of this notice I shall file a Complaint with the United States District Court and a Complaint with the Federal Trade Commission against the credit reporting agencies, because I have been forced to, due to the credit reporting agencies failure to provide me with a remedy. I am serving notice to the credit reporting agencies that you are in violation of 15 U.S.C. 1681 ( a ) ( 4 ) and 15 U.S.C. 1681a ( b ) ( 2 ).

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 2021-10-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CO

Complaint narrative:
made an extra payment of XXXX on XX/XX/2021 XXXX was applied to interest XXXX was applied to escrow the house was sold and paid in full on XX/XX/2021 On XX/XX/2021 I called Community and was told the XXXX is payment of interest for XXXX and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: AmeriCollect
State: GA

Complaint narrative:
As a ( natural person ) federally protected consumer, I XXXX XXXX never enter any consumer credit transaction with AMERICOLLECT INC for them to have my personal information or medical records. In fact AMERICOLLECT INC is violation of 15 usc 1692 for infringement upon my consumer 's right to privacy. While also in fact in violation of 42 usc 1320d-9 ( b ) ( 3 ) HIPAA Privacy. By AMERICOLLECT INC obtaining my personal information and medical records with out my consent AMERICOLLECT INC have committed fraud and identity thief. Now I can't do business with anybody else due to this allege debt AMERICOLLECT INC has furnished to my consumer 's reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation