vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, AL Alleged Account number XXXX I have received small claims court papers inside my mailbox ( where the process server placed them ) demanding payment for an account/credit card i do not own nor opened. I have never owned a Capital One account and this alleged debt does not belong to me, this account was opened fraudulently, without my knowledge or consent and this is now the second notification that I formally dispute this claim/debt and seek verification. Pursuant to local state laws as well as the FDCP and FCRA. 

As I have no account with you, nor am I your customer, nor have I ever entered a contract with you, I must ask you to provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter.

2. What is your authorization of law for your collection of information?

3. What is your authorization of law for your collection of this alleged debt?

4. Please evidence your authorization to do business or operate in this state.

5. Please provide evidence of the alleged debt, including specifically the alleged contract or other instrument bearing my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: TRANSWORLD SYSTEMS INC
State: NV

Complaint narrative:
i found out through a public figure on social media that Congress passed the FCRA law that protects my rights and privacy and that I can remove credit card debt, old bills charge-off accounts, and collection items. This person also stated that it's illegal for a collection agency to buy up my debt and come after me. During the pandemic, I've been unable to make payments and I am still trying to catch up on bills. This collection agency threatened to sue me. My debt is now higher than my income. XXXX XXXX XXXX sold my account to collection agency : TSI ( transworld system inc )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts. I am never been late on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: CO

Complaint narrative:
Nelnet is my student loan company. I have been trying to pay my loan off in full multiple times, but it never goes through. They never take the money out of my account. And they are so far impossible to get on the phone with an actual person, even though I am calling during business hours. I go through the whole auto system just to hear a recording that their offices are closed for the day when they should very much be open. If they don't start taking my money, interest is going to start accruing, which is completely unethical, as I am trying to make a one time payment to cover the entirety of my debt. Additionally, their website is poorly built and has more than one bug in it. 

If they fail to take my payment I will take legal action before XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CL Holdings LLC
State: PA

Complaint narrative:
Jefferson Capital Systems fraudently opened a collection account on XXXX, XXXX and XXXX. This has damaged my credit score by over XXXX points. They say I owe {$4000.00} but I do not owe them anything. I asked them to send information regarding my debt and all they sent was my account information. This information was not enough to justify the debt and negative mark on my credit. They never sent a debt verification letter like I requested. They said my account was open on XX/XX/XXXX  and reported to credit report as of XX/XX/.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
In accordance with the fair credit reporting act, this creditor Navient has violated my rights. Under 15 USC 1681 sec 602 states, I have the right to privacy. 15 USC 1681 sec 604a sec 2, also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor can not treat a payment on a credit card account under a open and consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
WellsFargo has blatantly continued reupdating the credit report indicating a balance is owed for, {$140.00} after sending a refund check. 
On, XX/XX/, following the last dispute. They stated the account was deleted. They have removed the account from all bureaus, except XXXX. As of XXXX, XXXX, both XXXX and WellsFargo, reposted the information as updated on my credit file. XXXX has actively violated FCRA reporting standards, they have been provided with information and continue stalling with a request for extensive time to investigate only to repost after thirty days. 
Per XXXX, on my call today, they are rereporting because XXXX has not given them permission to delete the 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IA

Complaint narrative:
A couple of days ago I tried to use my credit card to buy a XXXX XXXX XXXX meal. Card denied. I have plenty of credit available so today I telephone called Bank of America and their representative informed me there were questionable items charged to my Bank of America credit card ; however, the Bank of America representative would not provide details since I do not own a smartphone. The Bank of America representative told me the only way they would supply me the details needed to unfreeze my card was to either buy a smartphone or go by in person a Bank of America. I will not buy a smart phone to please Bank of America and since I live in XXXX XXXX, IA where there are no nearby Bank of America branches, I will not go there either. Bank of America claims my landline can not be trusted and Bank of American refuses to clear this matter up by US mail. The Bank of America recording of this telephone call will confirm what I write. Two things : Since XXXX  people tend not to own smartphones, these business-practice restrictions correlate with age discrimination. Second, does not their bank charter require nondiscriminatory servicing of the public?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I find it unacceptable that there are public records on my credit report. This is causing me a lot of XXXX  and distress, and I am pleading with you to remove them immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: DISCOVER BANK
State: NY

Complaint narrative:
Discover Credit Cards has contacted me 14 times since XX/XX/2023 it is currently XX/XX/2023. This is ridiculous and very highly illegal. They have also called me a total of 25 times since XX/XX/2023 and 8 times in the past 3 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Credit reporting 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: NY

Complaint narrative:
I have 4 hard inquiries on my report that were said to be pre approved offers from Experian and will not be considered hard pulls on my credit report. Upon being declined the inquiries were hard pulls on my report therefore false advertising on Experian. I will like these inquiries removed thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO

Complaint narrative:
See attached letter for additional details, but the summary is my son ( XXXX XXXX ) tried to withdraw {$300.00} from the self-service checkout at XXXX XXXX XXXX XXXX in XXXX Colorado , but the transaction was blocked. 

Around XXXX minutes later he received a text from USAA asking if it was a fraudulent transaction and he indicated no because it wasnt fraud because he initiated it. We believe since he answered no USAA let the transfer go through, but my son was obviously not there to get the cash. 

To summarize, USAA fraud algorithm kicked in when he was withdrawing cash and his account was debited the money but he did not receive the money.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-07 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Instant Loans, Inc
State: TX

Complaint narrative:
Follow up to COMPLAINT ID : XXXX My situation started after I reached out to XXXX XXXX who is a mortgage loan broker with Assurloans. He asked for all my required documents after my application was submitted. He received all the required documents within 24 hours of his request. The cash out number was over XXXX on the first loan estimate. XXXX waited a week before he locked the rate. He is supposed to do it within 3 days once the application is submitted & the supporting documents are received. XXXX then said I didn't get my documents in on time which I knew was not true. It was a lie on XXXX 's part. Everything seemed odd on the revised loan estimate. I got around XXXX on the new loan estimate. I wondered where the discrepancy came from. I didn't know until i spoke to the supervisor ( XXXX XXXX ) who confirmed that XXXX waited a week to lock the rate after he received everything that was required for my file. Rates fluctuated upward and it ended up costing me a couple XXXX dollars. Assurloans increased their origination fee on the 2nd loan estimate, I was charged points & the initial lender credit was reduced. My cash out refinance loan wasn't as good as it was initially advertised. I spoke to XXXX, he gave me a XXXX bucks total which did not make me whole. I didn't want to miss out on the rate so I took the deal. I had other lenders who would have given me a better deal if the true rate & fees were advertised. I feel like it was pure deception on XXXX 's part. I tried to get XXXX to make things right. He was honest with me. He told me XXXX waiting to lock the rate costed me XXXX  & that his management does not care. XXXX violated multiple laws in relation to the statute 's & guidelines set under the Real Estate Settlement & Procedures Act & the Truth in Lending Act. The loan estimate must be sent within 3 business days. XXXX waited over a week. He did not sent out all of the required disclosures. Assurloans then increased their origination charge & charged points after the initial disclosure. This company should be fined & penalized to the fullest extent of the law. The employee has now been terminated by the company. I have text message confirmation from the owner of the company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
I was scammed by XXXX on XX/XX/. I supposed to purchase a XXXX  puppy but I didn't receive a puppy. 

I paid {$820.00} to XXXX XXXX ( XXXX  ), I used XXXX to send my payment for the puppy ( XXXX to XXXX XXXX - XXXX - REF # XXXX - XXXX XXXX XXXX ). I communicate with him thru text messages at ( XXXX ) XXXX and email : XXXX. 

I paid {$1700.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX XXXX ( thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX ). I communicate with him thru phone ( XXXX ) XXXX and email : XXXX. He said that it is 95 % refundable upon the arrival of the puppy at home. 

Later, XXXX XXXX informed me that the puppy is put on hold because the pet needs insurance at XXXX XXXX XXXX XXXX. I paid {$1500.00} to XXXX XXXX ( shipper of XXXX XXXX XXXX XXXX XXXX ) for the XXXX XXXX XXXX XXXX XXXX ( {$700.00} - thru XXXX to XXXX XXXX - ( XXXX ) XXXX - REF # XXXX and {$800.00} - XXXX XXXX  to XXXX REF # XXXX ). He said that it is 95 % refundable upon the arrival of the puppy at home. 

It's too late for me that my relatives and friends told me that XXXX is a SCAM and it is included in the list of Pet Scams at the websites. 

Again after XXXX hours, XXXX XXXX informed me that the puppy is put on hold again because the pet needs Vaccination and Rabies Shot at XXXX XXXX XXXX XXXX. I need to send {$1300.00} and It is refundable also upon the arrival of the pet. I didn't send a money anymore because I learned that it is a SCAM. I tried to call him for the refund of the money that I send but he refused to give my money back. According to him that the puppy is already at XXXX XXXX XXXX XXXX. He said also that if I don't send a payment, FBI will arrest me for the abandonment of a puppy at the airport. 

I lost for the total of {$820.00} + {$1700.00} + {$1500.00} = {$4100.00}. This is a big lesson for me. As of now, many online websites are fraud. I need to be careful next time especially when I send the money. 

I tried to contact my bank, Wells Fargo to dispute or reverse my payments thru XXXX and XXXX XXXX. Since those apps are considered as cash payment, they can't reverse my payments and the money that I send to them are totally lost. 

Sadly, the address of the breeder, XXXX XXXX : XXXX XXXX XXXX, XXXX XXXXXXXX XXXX belongs to the real owner, XXXX XXXX. The address of XXXX XXXX XXXX XXXX XXXX is XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX belongs to XXXX XXXXXXXX XXXX XXXX XXXX. 

I would like to request for your help. My bank told me that the payment transactions that I did will be reversed if I have a police report and FBI reports. 

I hope that you can help me to arrest the scammers and help the victims of 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 explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Block, Inc.
State: WA

Complaint narrative:
I tried to pay bills and move money and the whole system is not working!!! I don't even have access to my money!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Advance America, Cash Advance Centers, Inc.
State: FL

Complaint narrative:
I haven't done anything but enroll in the XXXX XXXX for credit monitoring like suggested on the paper sent to me on XX/XX/2023.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This account is not mine, I did NOT authorize anyone to use my account, Please remove this inaccurate 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 non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-07 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Block, Inc.
State: VA

Complaint narrative:
I have direct deposit through cash app. My paycheck was deposited this morning and the service worked fine until around lunchtime today ( XXXXXXXX  ). Now the site is completely crashed ( app also ) and there has been no communication from cash app to its customers. There are potentially billions of dollars that they have charge of and they wont even answer the phone. Its all I have and Im really worried.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Flandreau Santee Sioux Tribe
State: HI

Complaint narrative:
Called me before XXXX and contacted my employer and left a voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I'm refuting your decision to deny my identity theft claim. What makes you qualified to determine if I've been a victim or not? You lack any authority or legal standing to assert such a judgment. If you persist in rejecting my claim, I will engage my attorney to pursue a legal solution. Please ensure that my identity theft report is handled in strict accordance with the law. I am submitting an official law enforcement agency report filed with a federal organization. Let 's work towards resolving this matter within the mandated five-day timeframe. Following the guidelines set forth by the Federal Trade Commission ( FTC ), when an FTC identity theft report is filed with a law enforcement agency ( which includes the FTC itself ), the standard procedure is to follow the law and conduct a thorough investigation. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Please delete these accounts ASAP.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with explanation