vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: VA

Complaint narrative:
I received a job application through my university ( XXXX XXXX University ) email account from a student email. The email pretended to be XXXX with an attached screenshot of what the job entitled ( I have the screenshot of what the job was that was included in the email. I will attach it below ). I took the job thinking it was real since the school let it slip through their security and there wasnt any warnings. The scammers emailed me a check of {$3500.00} and told me to deposit it into my account. When the money was available, they said I needed to go out and buy supplies for orphanages. Then they quickly changed that and said the orphanage did not want any outside help due to the pandemic and asked if I could XXXX the money instead. I Zelled {$3000.00} to one person and they told me to keep the extra {$500.00}. Then they sent me another check and asked me to do the same thing. This time they asked me to XXXX someone {$2000.00} and XXXX someone else {$1000.00}. Unfortunately, I fell for it and then realized it was a scam when they asked me to buy gift cards for them. I immediately cut them off and contacted XXXX and my bank who said they would file a claim. XXXX said there was nothing they could do and said I lost {$2000.00}. My bank ( Wells Fargo ) filed a claim and said it would take 10 days to let me know. 14 days went by and I heard nothing until I called them to ask about an update. Wells Fargo said my claim was denied, yet no one had emailed me or called me to let me know. I lost {$7000.00} that I never even had and no one helped me. My account was at- {$6500.00} for weeks. I have filed multiple claims and I have received nothing and no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: American Credit Acceptance, LLC
State: OH

Complaint narrative:
On XX/XX/21, I did a consumer credit transaction with XXXX XXXX XXXX dealership and extended my credit with a finance charge through American Credit Acceptance. Im the original creditor extending my credit using my credit card ( SSN Card ) pursuant to 15 USC 1602 ( L ) but the creditor fraudulently financed me a car through this process. Pursuant to 15 USC 1605 ( a ) the finance charge which should have been included within my credit transaction, should be the sum of all charges. According to my calculations, the total of the finance charge should be {$4300.00}. I was never given copy of my XXXX XXXX XXXX XXXX. I only have the cash price of XXXX, with GAP insurance {$1100.00}, tax {$1300.00}, that the dealership gave me in the amount of {$19.00}, 670.00, plus {$15.00} title fee, registration fee {$20.00}, minus down payment of {$3700.00}, with a balance due of {$17.00}, XXXX. See exhibit A from the dealership and copy of my welcome letter as Exhibit B from the American Credit Acceptance, that the charges are {$15.00}, XXXX above the lawful sum of all charges of {$4300.00}. This completely inaccurate and unfair credit card practice that undeniably goes against this sub chapter of the TILA ( Truth In Lending Act ). The finance charge section is completely not stated on my original paperwork and according to USC 1605 ( a ) ( 5 ), this is fraud and this contract is now void.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: UT

Complaint narrative:
I opened a XXXX XXXX XXXX in XXXX XXXX. When I applied for the card on-line they offered a XXXX XXXX balance transfer deal. I submitted the information for the loan I wanted to have Citi pay to take advantage of this. The loan I wanted paid off by them was with XXXX XXXX XXXX XXXX in the amount of {$6700.00}. I received my Citi MasterCard on XX/XX/22 and activated it that day. I also created a log-in on their web site so I can access my account on-line. I noticed ( on XX/XX/22 ) they had already charged my account for the above amount yet when I checked my XXXX XXXX account on-line the balance on the loan I wanted Citi to pay off was still there. I called their customer service number ( XXXX ) XXXX when I finially got through to a representative they acted like they couldn't hear me and hung up. I have called them XXXX more times since XX/XX/22 and each time this is what they do - their phone menu is very difficult to navigate and they intentionally make it extremely difficult to get through to some one. As of today, ( XX/XX/22 ) the balance on my XXXX XXXX XXXX still shows the above balance ( citi has not paid it off ) and of course Citi show 's that I owe them another {$6700.00}!! These people are nothing but thieves!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: The Moore Law Group
State: CA

Complaint narrative:
I don't know why this company is making threats to me in the attached letter. I have tried asking the company for a copy of the contract and they have not produced it. There's no way for me to know how much the debt is for and how much the fees are without the original contract. Simply sending me bank statements does not establish that anything is owed and is not enough information. These companies are attempting to collect on a a debt not authorized by an original agreement or permitted by law in violation of the FDCPA and CA RFDCPA. I am requesting that they do not call me and that they communicate with my authorized representative only.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: OneMain Finance Corporation
State: IL

Complaint narrative:
On XX/XX/XXXX I applied for and I was approved a {$9200.00} unsecured loan from One Main Financial. I was told by XXXX to provide my most recent paystub. I provided that, only to have the branch manager XXXX intervene and question the validity of my paystub. He then requested a W-2, might I add in a brash and rude way. I requested my application be transferred to their central processing center. 

One there, I worked with someone there who stated to submit another stub, which I did and that I had until the end of XXXX to do so. He stated that a W-2 may help. I explained that I W-2 myself as I own my company and another company owner used the EXACT same stub a week prior and it was accepted. I told him that due to my XXXX  name and race, I was being discriminated against. He assured me that the company has fair lending practices. 

Upon receiving my W-2s, I finally went to upload them. Only for the system to say declined without considering what they requested. I called on XX/XX/XXXX and was told my application timed out. I then submitted another application on XX/XX/XXXX to be denied all together and offered a secured loan using my vehicle. I was on hold a very long time and due to the circumstances my original application was reopened and the {$9200.00} was back on the table. I submitted my most recent documents and waited. Today XX/XX/XXXX I received a call stating that it was just " agreed '' no. I literally have no late payments on my report and now it's bruised with all these One Main Financial inquires. 

I was lied to, my original application did not get reopened nor did they even call my employer or anything. This is unfair and they still keep sending me offers. The Equal Credit Opportunity Act was violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: FL

Complaint narrative:
In accordance with the XXXX XXXX XXXX XXXX XXXX has violated my rights. 
Everything in this account is inaccurate -Date opened -High credit -Credit Limit -Last Reported -Date las active -Day of las payment And on top of it XXXX reported as pay as agreed XXXX 

15 U.S.C 1681 A Section 2 : it Also States a consumers reporting Agency can not furnish a account without 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 2022-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NRA Group, LLC
State: NY

Complaint narrative:
On XX/XX/XXXX National Recovery Agency responded to XXXX : " NRA Group , LLC is in receipt of the consumer 's complaint. Due to the nature of the debt, the correspondence will be placed in the mail to the consumer once received from our client. Please be advised the details will arrive in a white plain envelope that may appear as junk mail. '' The attached was received XX/XX/XXXX in part stating : " {$2900.00} + {$3300.00} + {$210.00} patient payments. '' To perpetuate its fraud National Recovery Agency refused to include in its attached XX/XX/XXXX communication respectfully requested ALL billings to XXXX XXXX, all insurance billings, all medical records of all alleged service ( s ), all insurance denials and the name and address of collectors used to date. 

XXXX XXXX XXXX was XX/XX/XXXX authorized to release all medical provider treatment and related information ( all insurance billings, all medical records of all alleged service ( s ), all insurance denials ) and like XXXX National Recovery Agency refuses to honor this requested release,

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
The demand for Chase has been made several times with false information and continued delays. I have provided them the reaffirmation information for the loan yet they have refused to correct it. The bank intentions are not consistent for a company that handles home loans with integrity.

I have been lied to misrepresented to and ultimately made into the person at fault when the blame resides clearly on Chase Mortgage. They have made false representations that I would need to reopen the bankruptcy to get my home to be reported for my credit report. 
This complaint started on XX/XX/XXXX and have been called and send numerous pieces of information that are inconsistent and that provide further delay which is causing me financial harm. 
I have provided the page in my bankruptcy that was filled on XX/XX/XXXX. This document provides the proof of the home being reaffirmed. The bank has dismissed this and advised that it is not. The document is provided to assist as the manner Chase is handling my complaint is unethical.

Due to Chase being a large bank that is acting unethically need help to get this resolved. There is no need to delay, defer and deny my request when it clearly is under the fair credit reporting act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Can't stop withdrawals from your bank account — 
Company: SoLo Funds Inc.
State: TN

Complaint narrative:
I took out a loan with Solo Funds in XXXX of 2021. I was having some financial issues during the holidays related to a move. Approximately 10 days before the loan was due to be repaid, I contacted the company to let them know that an emergency had taken place and that I was unable to repay at this time but that I would repay as soon as I could. I asked that my account not be charged. The company received my request and acknowledged it but said that they couldn't/would n't stop charging my account. Today they have debited my account for the last time. I contacted my bank and I plan to dispute the charges and get a new card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have 2 credit cards with Capital One bank. I paid my credit cards from the same account. Capital One is holding the credit from one of the cards. I spoke with XXXX whose corporate # is XXXX XXXX and ask to have my credit released. She stated that since I had money returned last month they would hold the credit on my card. I told her if they are able to take the money for the first credit card then the funds are there for the second credit card! 

She said that was in the terms and conditions but this is my money that I am asking to be released! I hate Capital One! I hope that the entire bank goes under for the unfair business practices that they incorporate! I encourage any and everyone to stay away from this bank!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: American Coradius International LLC
State: MN

Complaint narrative:
On XX/XX/2022 American Coradius International LLC sent me a notice that I owed {$2200.00} on a XXXX account. I don't owe anything on my XXXX account and I have a XXXX balance. 

Since XXXX is tied to a credit card. Any charges would have been applied to the credit card on the XXXX account, which in my case is an expired card, so any attempts by anyone to use my account would have not gone through to begin with and XXXX would have sent me a note asking for a good card to charge it to. We have not used XXXX for over 6 years. Therefore this an obvious attempt by this company to scam us for this money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: MO

Complaint narrative:
I previously sent my written request to TransUnion about blocking or removing all the information that is erroneous and fraudulent. However, that request was never granted or any feedback was never done by the agency. Now, I would like to ask for your help to get rid of these items or have TransUnion get back to me with regards to the issue. Here are the items that concern me : XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX  Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX  XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/XXXX XXXX XXXX Date of inquiry XX/XX/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 2022-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: INTERCONTINENTAL CAPITAL GROUP
State: GA

Complaint narrative:
Hello : I received a very manipulative/ deceptive letter in the mail from Intercontinental Capital Group , Inc. , that I believe is a home equity scam and could easily make homeowners lose their home, which would always be terrible but is particularly bad in a housing market like XXXX XXXX, where there's a dire shortage of housing. According to the XXXX XXXX and XXXX, about one-third of the homes sold in the region nowadays are being purchased by investors, and among metro areas, XXXX now ranks number one in the percentage of houses sold to investors. 

I'd hate for any of my neighbors to lose their home in a scam like this. Thank you! I'm attaching the deceptive letter that came in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Ray Klein, Inc.
State: CO

Complaint narrative:
I was a long time customer of XXXX XXXX. In the spring of 2021 we started experiencing service issues on several of our phones and worked repeatedly with the company to get those issues corrected. There were numerous calls to their tech support line and after many attempts it became clear that they were not going to be able to correct the problems. We cancelled service in XXXX of 2021. They billed us {$380.00} after we closed the account. We disputed this credit card charge through our bank in XXXX. On XX/XX/XXXX we recieved a letter from our bank saying we had won the dispute. XXXX XXXX continued to seek payment of that debt. I sent a copy of the letter from the bank to XXXX XXXX on XX/XX/XXXX asking them stop seeking payment. They still continued to seek payment and threatened to send it to a collection agency repeatedly from XXXX. I got notification from Professional Credit Service that they were seeking payment for a total of {$610.00} on XX/XX/XXXX. On XX/XX/XXXX sent Professional Credit Service a dispute letter. On XX/XX/XXXX Professional Credit Services sent me an email requesting payment for {$620.00}. On XX/XX/XXXX I called them and asked them to drop the debt and they refused. I requested to be transfered to a supervisior and was a told a supervisor would call me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: TX

Complaint narrative:
I am requesting that my credit report dispute be reviewed. This is the 3rd attempt to get items corrected on my credit report. I have provided exact items on my credit report that are reported inaccurate and per the fair credit reporting act - inaccurate information is not supposed to be reported on a credit report. Please do not delete my credit report as this is a request to correct the certain errors on my credit report that I am pointing out to you. 
I take my credit report status very seriously as credit is a huge factor that determines my life and I want only accurate information reporting and reflecting on my credit report. Please review and correct or review and delete the inaccurate information asap.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21 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: OH

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error.

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-21 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: Experian Information Solutions Inc.
State: OH

Complaint narrative:
RE : You Violated the United States Code Law ( TILA 15 U.S. Code 1666 ( b ) billing error ) Recently I checked my credit report and noticed multiple billing errors under 15 U.S. Code 1666 ( b ) billing error ( 4 ) The creditors failure to reflect properly on a statement a payment made by the obligor or a credit issued to the obligor.

( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement.

As i know the creditor didnt notify me 21 days before with a statement so there should be no late payments on this accounts. I demand to see hard solid proof from the creditor bank account that i didnt pay and was marked late because this clearly a billing error. 

The items below should all be updated to paid as agreed on my consumer report. 

XXXX. XXXX Account XXXX : XXXX Please remove it from my credit report. 

XXXX. XXXX XXXX Account XXXX : XXXX Please remove it from my credit report. 


As a consumer by law these accounts on this letter must be updated or deleted immediately or I will seek monetary compensation for violation of my rights in small claims court in my city and state under 15 USC 1681n civil liability because Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, XXXX XXXX XXXX, and Federal Trade Commission ).

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