vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
I received an alert from Experian on XX/XX/22 saying that XXXX  XXXX XXXX made a Bank/Credit Card Inquiry by checking my Experian Credit File , ant that this hard inquiry will stay on my credit report for XXXX  months. The alert listed the phone number as ( XXXX ) XXXX. When I searched for this number, I found that this number is associated with a phishing scam ( https : XXXX ). I called XXXX  XXXX XXXX XXXX credit card customer service line listed on their website instead. They verified that XXXX  XXXX XXXX did not recently submit an inquiry, nor open any new lines of credit for me. I then called Experian, who placed a fraud alert on my file and agreed to remove the inquiry from my report within XXXX hours. I asked why they gave my credit report to a XXXX  XXXX XXXX impostor and did not get a response. I find it disturbing that a company that is supposed to help protect my identity would give my credit report to a scammer and then send me an alert with the scammer 's phone number on it. Had I called that number and given my personal information, it could have been much worse. ( In the meantime, I received a text message from XXXX saying " Congratulations, your XXXX  XXXX XXXX credit request was approved. Welcome package and card ( s ) will arrive within 14 days. Reply HELP for help or STOP to stop. '' Clearly, my personal information was stolen and is being used to phish. )

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 2022-09-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Blitt and Gaines, P.C.
State: IN

Complaint narrative:
I received an affidavit in the mail stating that I owe XXXX {$1000.00} from the year XXXX  that I knew nothing about. Ive never order from XXXX before and Im trying to resolve this issue because theyre trying to sue me for {$1000.00}. I do believe that my social and my name has been tampered with fraud. I need help with this situation I can not afford to be sued my phone number is XXXX. If any questions email address XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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:
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 Dept of Education/XXXX Account XXXX XXXX, Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account XXXX XXXX XXXX Dept of Education/XXXX  Account # XXXX XXXX Dept of EducationXXXX Account # XXXX, Dept of Education/XXXX  Account XXXX XXXX has violated my rights XXXX 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 more 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 person 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 2022-09-28 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Paramount Recovery Systems, L.P.
State: NC

Complaint narrative:
I Have made numerous calls to get information on a separate debt after pulling credit report. Contacted debt collector listed and provided my current address and phone number. 
I requested account numbers and to which they stated they did not know them, if they did know them, they didn't have to and wouldn't provide them until I made full payment. 

When I contacted them today to request information I stated that I needed to have all information regarding the debt so I could make informed decisions regarding them and try my best to resolve. 

They finally provided me with account numbers for their company and the original creditor. I requested the total amount due and they told me {$34.00}. I stated that my credit report showed something else and that is when she stated I had this one too. When I explained that I was not aware of this bill nor does it show on my credit report the agent told me I still had to pay it. I spoke Paramount Recovery to a XXXX today XX/XX/2022. 

I deny and dispute the validity of this alleged debt entirely. The contract or agreement must be with the original creditor and signed by all parties involved, which at this point would be XXXX XXXX XXXX XXXX, myself and Paramount Recovery. This is not the case. I have not signed any documents with Paramount Recovery ever.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Unexpected or other fees — 
Company: Helbing Law Group
State: NY

Complaint narrative:
I am assisting XXXX XXXX. XXXX XXXX 's only source of income is XXXX. Despite her very limited income, which is exempt from collection, Helbing Law Group induced her to sign up for its debt settlement services. She agreed to pay Helbing Law Group {$7300.00} from XX/XX/XXXX to XX/XX/XXXX to settle XXXX debts totaling approximately {$10000.00}. From XX/XX/XXXX to XX/XX/XXXX, XXXX XXXX paid Helbing Law Group a total of {$7600.00}. On XX/XX/XXXX, there appears to have been an additional payment of {$3000.00}, which XXXX XXXX never authorized. 

XXXX XXXX would like the additional {$3000.00} payment to be returned. She would also like written confirmation of which debts have been settled in full, as well as a refund for all fees corresponding to debts that were not settled in full. 

I have tried contacting Helbing Law Group on several occasions, but they have refused to speak with me, despite receiving oral and written permission from XXXX XXXX. 
Please copy me on all communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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 XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 


In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Hi, Dated. XX/XX/XXXX I am filing a complaint about Capital One Credit Card XXXX. I requested my Billing Statement in the mail from them recently, just to see how much I owed because, I noticed how something just didn't seem accurate, come to find out searching through the statements it said on one of the transactions, a bill of {$960.00} and {$55.00} from XXXX XXXX XXXX  dated XXXX, XXXX for both amounts, also the same exact bill on XX/XX/XXXX It clearly states on the statement, Transaction Rebill. 

I have called XXXX originally before contacting Capital One and they said the error was with Capital One and not them. I am getting the run-around from one business to the other. 

When I called Capital One, they saw exactly what I told them about the rebill and told me there is nothing they can do about this, therefore, they are still charging my account. 
Furthermore, they have restricted my card permanently, and I guess because I am refusing to pay. 

They are saying that I owe another {$830.00} as of XX/XX/XXXX. I guess they are trying to recover funds that were lost during the Pandemic and trying to recover that by rebilling some accounts, because I asked a second time why that happened, and they didn't know what to say they kept connecting me to a different department of persons within the company. 



I have talked to them today, XX/XX/XXXX, and still haven't resolved not one thing. 
Please assist me with this problem. I do not want this to affect my Credit. 

Thanks!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: CA

Complaint narrative:
This is my second time seeking a response from this company. The last response made absolutely no sense. The card was issued in XXXX 2022 and the funds were stolen in XX/XX/2022 yet bank claims they mailed a refund check in XX/XX/2022. Unless they invented time travel, they are clearly lying. 

-- -- -- This garbage bank allowed thousands of cards to be compromised through their dinosauric computer systems. When customers try to complain, they are given the run around. I had a {$25.00} card drained by a hacker into their horrible computer system. Per their website I followed the instructions to dispute the card : https : //www.myprepaidcenter.com/faq? type=generic " How do I submit a dispute? { Option 2 } : Submitting a dispute by phone Call the number on the back of your card or the number listed on this website Listen to the prompts on the phone and select the option to dispute a transaction and select this option '' When I called, I had to call 3 times where I was hung up on and then finally the fourth call, I had to wait over an hour and was forced to talk to three different operators on that one call alone. None of which would take a dispute over the phone despite what their website said I could dispute over the phone. This bank is a fraud. They know they compromised their customers secure data and then make it impossible to recover the stolen funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: EdFinancial Services
State: MA

Complaint narrative:
I have made 4 separate calls to Ed Financial starting on XX/XX/2022 regarding a refund of payments made during the pandemic. The first two calls I was told it would be 150 days minimum to process the refund. On the third call I was told it wouldnt take 150 days and that 90 days was the maximum. On the 4th call I was told it wouldn't be automatically refunded. 

On the 4th call I also had to press multiple times for the customer service agent to provide me with my original request date. This along with a constant refusal or inability to provide email confirmation that a request was submitted is crazy to me. This level of delivery of inconsistent and unverifiable information is something I have never experienced in 13 years as a borrower or 8 years in financial services. 

On top of this, I am seeing online that every other service provider is able to provide a reasonable time line for loan reinstatement and refund, while it is required to submit a complaint before any movement occurs for Ed Financial. 

I would like to see my balance reinstated and the payments refunded in a timely fashion, not a nebulous and unconfirmed 120 day then 150 day, then 90 and then automatic time frame.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Date : XX/XX/XXXX Time : XXXX XXXX XXXX  : XXXX Customer Card : XXXX Transaction : XXXX Withdrawal from Credit Card ATM Fee : {$3.00} Withdrawal from Credit Card : {$1000.00} Total Amt : {$1000.00} Summary : I initiated the above referenced cash advance using my XXXX XXXX XXXX credit card and received 20 [ {$50.00} ] bills totaling {$1000.00} in US Currency. 

At XXXX XXXX on XX/XX/XXXX, the funds were deposited via ATM with XXXX XXXX XXXX. From the deposit, the ATM rejected [ 1 ] of the {$50.00} from my deposit. I I next took the bill to the teller for deposit who attempted to manually make the deposit, processing the bill thru the currency counter. The bill rejected and upon review by the teller manager, it was stated that based on the counter rejecting the bill as well as the ATM, most likely the bill was counterfeit currency. I explained the bill was disbursed to me via Wells Fargo XXXX  XXXX location and in response XXXX XXXX informed me they would not be able to deposit the bill into my checking account for credit. Their recommendation was to present the bill to Wells Fargo and explain their ATM had disbursed the bill from my ATM XXXX XXXX cash advance. 

I returned to Wells Fargo Bank and explained to the bank lobby teller. An attempt was made by the teller to process the currency thru his bill processor however the bill was rejected. XXXX XXXX, XXXX XXXX XXXX XXXX, instructed me he would have to retain the bill which would be returned to the XXXX XXXX XXXX and that he would not be able to assist me further. I asked to have a copy [ front/back ] of the bill for my records to which the teller provided. 
Serial Number : XXXX Series : XXXX XXXX XXXX provided me his business card with instructions to call the Customer Service who would be able to file a Reg E Claim. He disclosed a 10-day timeline is projected to resolve the claim. I initiated a call and spoke with Customer Service and was informed they would not be able to assist me as I was not a Wells Fargo customer. The recommendation was to contact XXXX XXXX for assistance as I was their customer and resolution would be provided from their servicing portals. 

I next spoke with XXXX XXXX and was informed they would not be able to assist me as this was a Wells FargoXXXX XXXX XXXX as ATM currency is deposited/exchanged between the two parties. It was explained that this was not an XXXX XXXX issue. 

In closing, I have not received a response from Wells Fargo regarding the disposition of the claim or from XXXX XXXX regarding the recovery of the {$50.00} I lost from the transaction. In addition, the experience I received from this ordeal results in me not EVER using an ATM terminal again. 

Any assistance that you can provide is welcomed and appreciated.

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 2022-09-28 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: Synovus Bank
State: FL

Complaint narrative:
Back in XXXX I placed a preorder for an item with XXXX company on my XXXX Between that time and when the payment was to be processed ( XXXX ) I had to get a new card due to someone getting a hold of it and starting to make false charges. Due to this I had a differing card number than back when I made the preorder. The XXXX company pushed the charge through from the old XXXX card to the new XXXX card. 

This preorder went through on XXXX for XXXX on my Synovus personal XXXX However, later in the week I cancelled this order with goodsmile company. They refunded that amount to the old XXXX number and not the new one. Upon contacting that company several times they suggested I contact the XXXX company. 

I've contacted the XXXX company now three times about this issue. Each time I'm told they 'find ' the refund and that they'll move the refund to my current account. That this issue would take 7-10 business days. Each time the 10 business days pass no refund to the charge appears. I call again and get the same runaround on how they 'found ' the refund and that it'll be another 7-10 business days to " process '' this credit to my current XXXX. This how now not happened twice and the third person is giving me the same song and dance. At this point the XXXX company will now be collecting interest on a charge that should not be listed or on my account without the corresponding refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Minto Financial dba Minto Money
State: SD

Complaint narrative:
I took this loan out trying to establish credit and was told as long as I make the payments every pay period, I would not be charged interest. However, after paying the original balance twice over, the amount of the loan was still higher than the principle balance. I spoke on the phone with the representative prior to accepting the loan and was told I would only be charged the interest if I missed a payment. I have made every payment and my loan is still higher than the original balance. This is in my opinion a predatory loan and possibly the the downfall of what we consider good practice ethics.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax credit keeps sending me addressed to someone else.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently did an investigation on my credit report which caused severe XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate. 

XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX Case Number : XXXXXXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX XXXX Account Number : XXXX Also, In accordance with the Fair Credit Reporting Act, the list of accounts above have violated my federally protected consumer rights privacy and confidentiality under 15 U.S.C. 1681.

15 U.S.C. 1681 Section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 Section 604 A, Section 2 States a consumer reporting agency can not furnish an account without my written instructions.

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 person knows or has reason to believe that the information is inaccurate. 

15 U.S.C. 1681c ( a ) ( 5 ) Section states no consumer reporting agency can make any consumer report containing any of the following items of information Any other adverse item of information, other that records of conviction of crimes which antedates the report by more than 7 years.

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 2022-09-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: CO

Complaint narrative:
I refinanced my federal student loan of {$30000.00} with XXXX in XX/XX/XXXX. 

On XX/XX/XXXX, after XXXX 's announcement of student debt relief, I called Great Lakes regarding getting my federal loan reinstated via a refund to XXXX under the CARES Act since the payment/refinance was made in XX/XX/XXXX. I was advised that they would happily do so and would be sending a refund check to XXXX and the balance would be reflected on my Great Lakes account within 30-45 days. 

On XX/XX/XXXX, I called Great Lakes to check in on the status of my refund, as it was still not reflected on my Great Lakes account. I was told that my refund request was rejected because they " received new direction that they are unable to refund third parties. '' According to the Student Borrower Protection Center 's press release on XX/XX/XXXX, " refunds are available to borrowers who refinanced their student loans during the payment pause into private loans, such as those offered by XXXX or XXXX. '' I would like Great Lakes to reinstate my federal loan since it was paid during the payment pause, so I can be eligible for and receive the {$20000.00} forgiveness I am due.

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