vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Guidance Alum LLC
State: CA

Complaint narrative:
The fraudulent company posed as a student loan forgiveness program by the name of Guidance Alum. They had all of my current loan information and told me if I signed with them, and paid {$200.00} for 5 months, my loans would then me on a path to forgiveness. 

I attempted to contact them recently in XXXX for updated account information, only to find out the phone number has been disconnected and the website has been deleted. 

XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum XX/XX/XXXX - paid {$200.00} to Guidance Alum

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX, a federally protected consumer, and I am making this complaint against XXXX XXXX XXXX for committing identity theft. On XX/XX/2022 I checked my credit and seen that a collection was placed on my credit. I have never given XXXX XXXX XXXX ANY permission to use any of my identifying information to commit fraud. I have never received any correspondence from XXXX  XXXX XXXX  about an alleged debt they claim I owe. I am legally refusing to pay this debt pursuant to 1692c ( c ). I am demanding a cease and desist of all illegal activity, any communication and collection activity, of this and any alleged debts until XXXX XXXX XXXX  can provide me with sufficient documentary evidence, such as a trilateral contract, that I have any legal obligation to pay them. If this documentary evidence can not be produced and XXXX XXXX XXXX continues its collection efforts, I will file for litigation for actual damages caused and XXXX XXXX XXXX  will be held criminally liable for aggravated identity theft pursuant 18 USC 1028A, extortion, theft by deception and securities fraud. Upon the receipt of the documents herein and of this notice, you are hereby notified Pursuant UCC 1-202f. Your prompt attention and response are both requested and required. Account # 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 2022-10-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Westlake Services, LLC
State: MD

Complaint narrative:
We got are car repo and we pay the {$2100.00} to get are account up to date. We then are due date for XXXX payment on XX/XX/2022. We ask to move that payment to the end of the payment. They told us we need to move the due date. To the XXXX of XXXX and then they can move are payment for XXXX to the end.I was told it got denied cause no payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
XX/XX/22 : @ XXXX {$1000.00} was withdrawn from this writers checking account, leaving account in the- {$1100.00} ( was already in the XXXX prior to cash withdrawal ). This writer called customer service @ XXXX. Such agent expressed to this writer that I should discuss with my mother ( who is also on the account ) but was unable to give me information on the check that was used to take out this non-authorized transaction. This writer had to go into her own account to find such information & call again to discuss the problem with a new agent @ XXXX. This new agent informed this writer that I need to go to the nearest banking location for further instruction. 

XX/XX/22 ( continued ) : this writer arrives at M & T Bank @ XXXX. Discussing the same issue with bank teller. Bank teller ran through my account to print down the check and match signatures, which clearly do not match. Bank teller proceeds to tell Bank manager ( Individual did not introduce with title so Im assuming ). Bank manager informs this writer that he will launch and investigation & will call me later that day. I did not sign any paperwork such as a report or affidavit. This write leaves bank @ XXXX. This such bank manager called this writer back @ 3:36p to inform this writer that he was able to see that the person who wrote the check must of wrote the wrong account # down on the withdrawal slip. However, this writer informed the bank manager that there are no checks in this writers name so it is very concerning that someone can write down account # s and no extra verification is taken place. This writer was informed that the money of {$1000.00} will be placed back into this writers account Monday XX/XX/22. 


XX/XX/22 : this writers account is still - {$1100.00}. This writers calls the local bank @ XXXX to speak with bank teller. Bank tell takes down all my information and informs me that they will call back soon once discussing with the same bank manager on the status of my situation. No one calls this writer back. This writer calls back again @ XXXX informing a new bank teller the issue. Bank teller informs me that the bank manager is out to eat and will call when he is finished. I received a phone call @ XXXX from bank manager stating that my case is still in review and should be fixed hopelessly Tuesday XX/XX/22. This writer informed bank manager that such account needs to be fixed by Tuesday due to being paid this Thursday XX/XX/22 & having wrongful negative balance will result in this writers paycheck to be taken.

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 2022-10-24 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: CITIBANK, N.A.
State: MA

Complaint narrative:
CITIBANK was notified of disputes of accounts ending XXXX & XXXX and never resolved the issues. Accounts need to be deleted as in contains inaccurate/fraudulent information for which CITIBANK has been made aware of over 30 days ago per Credit reporting agencies claim with my disputes with XXXX, XXXX, XXXX. Regardless of my efforts to try to resolve the disputes with CITIBANK as I advised CITIBANK that these are Fraudulent accounts CITIBANK continues to ignore my request and to report this on my credit which is causing me a great deal of damages to say the least. CITIBANK is being negligent in follow consumer laws and FCRA laws.

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 2022-10-24 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
I was sent a XXXX transfer from an individual on XX/XX/XXXX, the sender was debited, and the bank sent me an email confirming that this amount was sent to me, but it was never credited to my Capital One account. Since then, I have called almost daily with no promised solution to the problem. From my banking application, it displays as " received '', but I was not credited. Being a student has caused me a lot of emotional trauma as I've had to go borrowing, and there is no empathy from the bank and no resolution timeline or possibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Forest Recovery Services LLC
State: FL

Complaint narrative:
I have been requesting this your company provide me with validation of this alleged debt for clarification but I have not yet gotten any information as yet. I want to know what information the company possesses for I am worried that my personal information has gone into the hands of the wrong person and been used for their own interest. Therefore I want to request the following information and determine my next actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: DC

Complaint narrative:
Since XXXX of XXXX, I have attempted with two companies, XXXX XXXX and XXXX, to use their products. I can not get through the process because the security questions generated by them have nothing to do with me. In XXXX of XXXX, per LEXISNEXIS website I submitted all of the documentation that they requested to have my nonverified public information report sent to me. I never heard back although I sent several emails asking about the issue. Approximately two weeks ago, I went through the process again and ( this time ) received a letter saying they couldnt send it because my information did not match up. On XX/XX/XXXX, I called them ( again ) and explained to them that I am not comfortable emailing my social security card and other documents with PI via the Internet in this environment and that they already have what I sent on file. After nearly one hour on the phone, the woman I spoke with confirmed that they do have it and she placed me on hold and requested and received permission to have my report sent to me. However, it appeared to her that my information was suppressed and that I had opted out. She instructed me to email yet another group within lexisnexis and they confirmed ( what I had thought ) someone name XXXX XXXX in XXXX, VA, opted out in XXXX. I confirmed with them that my name is XXXX XXXX XXXX ( XXXX XXXX  in my first name ) and that I live in XXXX  XXXX XXXX  and have never lived in XXXX, XXXX. They confirmed that they never received an opt out from me and sent it back to the consumer group. I then had to call back today and an agent by the name of XXXX # XXXX, refused to send me my file, which I had received permission to have sent just six hours earlier. They continue to try to blame the companies for generating the security questions, which may be true, but the security questions are relating to the wrong person by their own admission. They ignored my first request and even with the documentation they have for me establishing who I am and where I live, will not send my report. It should be noted that the two companies continue to tell me the exact opposite- that they engage lexisnexis and the questions are generated by them and that I have to contact them. Because lexisnexis collects aggregated information and this is their business, I am inclined to agree. Additionally, I have been through several background checks and have had to answer similar questions before, I know how the process works. I am unclear why they refuse to assist. I have done and provided everything they have asked. Complied with every confirmation and I continue to get nowhere. This has been going on since XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I sent TransUnion an FTC Identity Theft Report via XXXX XXXX Mail outlining multiple fraudulent accounts that are currently listed on my credit report, specifically the XXXX XXXX accounts ending in XXXX on XX/XX/2022, which they received on XX/XX/2022 and began processing on XX/XX/2022. I demanded that these accounts that were a result of identity theft be removed from my credit report within four ( 4 ) business days ( XXXX XXXX XXXX XXXX XXXX ) of their receipt of my personal letter, identity theft report, photocopy of my driver 's license and social security card, and utility bill providing proof of address, as these have caused me and my reputation personal harm and discrimination. I called TransUnion today, XX/XX/2022, to address why these fraudulent items hadn't been removed from my credit report, and they claimed they were not obligated to remove the fraudulent items from my account within four ( 4 ) business days, until they were complete with their 30 day investigation, citing multiple XXXX Codes as resources. For this reason, the items still remain on my report and are still causing me and my reputation personal harm and discrimination.

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 2022-10-24 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: Regional Management Corporation
State: TX

Complaint narrative:
My social was used for a loan of XXXX $ that I did not apply for on the company call Regional financial. This account was open on XXXX XXXX. 
It start showing on my credit report a week ago. 
I called the company a couple time and we verified that the info they have under my name its not mine and they have not resolved this problem. 
They said something about some forms that I have to fill out but they never send me nothing. 
I would appreciate if someone would help me please. 
Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
on XX/XX/2022 i was notified by XXXX XXXX that there has been a change to my credit score. i logged into the app to see my score being dropped by XXXX XXXX and being sent to collections because i missed a payment for my best buy credit card. i was confused because i didnt receive any emails or letters notifying me of this before XX/XX/XXXX. Even after the fact that it was sent to collections i still havent received anything. Its been a really tough year for me battling with XXXX XXXX XXXX XXXX. i admit i did miss a payment but i shouldnt be punished this bad for missing. since ive been paying on time previously. Since the situation ive been paying towards that credit card 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 2022-10-24 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: JPMORGAN CHASE & CO.
State: MO

Complaint narrative:
THIS IS NOT A DUPLICATE COMPLAINT TODAY I CALLED ABOUT MY LEASE AND LATE FEES I WAS TOLD THE LATE FEES THAT WERE ATTACHED WAS FROM XX/XX/XXXX and XXXX OF XXXX per Conversation with XXXX. 

I MADE A PAYMENT IN XXXX IN THE AMOUNT OF XXXX XXXX IS MY MONTHLY PAYMENT AND XXXX is the late fee. When I paid the account in XXXX I was not told of any late fees and was giving the amount due which is what I paid. THE PAYMENT I MADE IN XXXX OF XXXX in the amount for the late payment didnt go to the late payment they purposely put it towards the deferred payment which is not due until I turn in the lease. So the statement that she stated for me to view had the amount off my XXXX payment and a XXXX late fee that should have been credited since I was unaware of a late fee. The representative didnt state a late fee or the automated system when I call. You cant rely on mailed statements to make it to my address for me to view. I have a problem with Chase committing fraud on my account I paid the late payment that you put on the statement for XXXX PAYMENT but you turn around and applied it to the deferred payment? Its okay for them to make errors but not the consumer no its not okay its unacceptable I want the calls playback.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-24 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern, Block and remove all information resulting from Identity Theft pursuant to XXXX U.S.Code XXXX XXXX under the FCRA which states a consumer reporting agency shall block the reporting of any information in the file of a consumer not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. 

This is an identity theft pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ) under the FCRA. I have filed an identity theft report pursuant to XXXX XXXX XXXX ( Q ) ( XXXX ). Just an FYI : I understand pursuant to XXXX XXXX XXXX ( c ) I understand that you XXXX decline to block or XXXX rescind any block but be warned that declining to block the following information that resulted in identity theft without providing me with my written authority of it to be furnished in the first place will constitute as Aggravated Identity Theft pursuant to XXXX XXXX Code XXXX. Aggravated Identity theft carries a criminal liability of up to 2 years imprisonment. I assure you the information that I am presenting to you was not blocked in error. If you believe that I obtained possession of goods and services, I need a senior Executive member of this company to put it on an affidavit signed under the penalty of perjury notarized.

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 2022-10-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
This is a response to my previous complaint, since it doesnt seem anything got done. I am still getting statements that show a {$0.00} balance, even though they told me they would close out the account.

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 2022-10-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
On XX/XX/XXXX I attempted to enroll for a one week trial of Equifax for my credit reports for one dollar. The process did not work out online and I was told to call an agent. I spoke with an agent who advised me the service cost {$19.00} but I confirmed multiple times that I was only being billed one dollar for the week trial first. I spoke to a supervisor on XX/XX/XXXX and gave them this information. The agent on XX/XX/XXXX had sent me an email saying I was being billed {$19.00} that I did not open and I was informed about today by the supervisor. The supervisor says that because I was sent that email he can not refund the {$19.00}. I stressed to him repeatedly but I never agreed to pay {$19.00} and that I confirmed with the agent multiple times that I only needed to pay XXXX XXXX  now and {$19.00} if I didnt cancel within a week. The supervisor refused to listen to a recording of the interaction that would have confirmed my statements. The supervisor refused to refund the money that was effectively stolen from me. I demand a lot more trust out of our credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 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: EQUIFAX, INC.
State: GA

Complaint narrative:
ive reached out to the credit reporting agencies and have not recieved a response i gave an ample amount of time XXXX XXXX XXXX sec XXXX A. states i have the right to privacy XXXX XXXX XXXX sec XXXX A states a consumer reporting agency can not furnish a account without written instructions Account was not deleted or modified on my report according to the XXXX XXXX ( XXXX ) ( A ) ( i ) XXXX U.S.C XXXX XXXX ( a ) a person shall not furnish any info relating to a consumer to any credit reporting agency if they believe some info is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-24 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
This company has not recognized my right to privacy by reporting this alleged debt to the credit reporting agencies. I have not given consent for this alleged debt to be reported. I believe this is a violation of 15 USC 1692d ( 4 ). This company has also not verified this alleged debt which was requested in XX/XX/2021.

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