vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
on XX/XX/2021 I got email by my collage email address says he offered part time job and i started communicated with the hire person by my personal email address and he started " I provide individual and group therapy, coaching, assessment, and academic screenings to support students & individuals with XXXX ( XXXX XXXX XXXX XXXX XXXX ) registered with XXXX. A large percentage of people served by the mental health unit have XXXX XXXX or XXXX XXXX XXXX and need mental health support to be successful. 

In addition, many Students with academic difficulties and no prior diagnosis are seen and assessed through the academic screening and assessment process. I also am the XXXX XXXX XXXX, training and coordination of counseling psychology and clinical psychology graduate students of the United States who have practicums at XXXX and XXXX accredited school psychology predoctoral interns. You have received this email because you have an offer from the University XXXX for XXXX to work with me while we help Students with disabilities frustrated with ignorance and lack of services as my temporary personal assistant. 

I care about Animal Welfare, Arts and Culture, Children, Civil Rights and Social Action, Education, Environment, Disaster and Humanitarian Relief, Social Services, and lots more. This is a very simple job. You will only help me purchase some Items when needed. This employment only takes an hour a day and 3 times a week for {$500.00} weekly. 

I am unable to meet up for an interview because I am currently in XXXX with my wife who is Battling with XXXX and has an upcoming XXXX next week. You will be paid in advance for all tasks and purchased to be done on my behalf. Upon my arrival we will discuss the possibility of making this a long-term employment if I am impressed with your services while I am away '' and i accepted the job and started to work. on XX/XX/2021, XXXX and XX/XX/2021 he continued sent me the check by email worth {$4500.00}, {$2000.00}, and {$3500.00} and he asked me to print out and deposit in my bank by phone. after i deposit in my bank my bank approved the next day, after that he asked me to sent back to him by XXXX transfer worth {$2000.00} and {$1000.00} separately to the person name XXXX, also he asked me to buy Bitcoins worth {$2500.00}, {$1000.00}, and {$2000.00}, after 3 days my bank rejected my check one by one, and i called my bank to ask whats going on they told me the check is not legitimate. after that i know i got scammed and reported my local police department and my school police department, and FBI,

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 2022-03-17 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: NC

Complaint narrative:
Hi, I can't believe you guys are taking advantage of me. I AM VERY UPSET the credit bureaus have not responded back to me about my investigation. I sent a letter, it's more than 60days. I need these accounts deleted or updated. These are the items I demanding to be deleted immediately :

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 2022-03-17 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: TX

Complaint narrative:
XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so

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 2022-03-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XXXX XXXX claim my credit account was 30 days pass due when their company policy states that if I paid my account in full, they would mark my account current and any late payment would be removed. I have already spoken to the company about the matter and they refuse to remove the late payment despite their current policy to do so

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 2022-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
Aidvantage was sold my loan by XXXX. They have just recently become the active servicer for my loan and became listed on my credit report and other places as such. On XX/XX/XXXX and XXXX I received notifications to my email from the credit services I subscribe to that my score had dropped XXXX whole points.. I have been working on my credit for a year and this took all of that away..

It seems that Aidvantage placed remarks with all 3 credit bureaus. On XXXX they reported that my loan balance increased by over {$6000.00} and that I had made XXXX on time payments. 
XXXX said that Aidvantage raised my credit limit and that there was an increase in my loan balance and it was now over {$31000.00} None of these remarks are factual, for one the interest rates have been at zero and payments have been and will be on hold until XX/XX/XXXX. I placed several calls to Aidvantage. The first representative told me to hold while she looked into the account and 18 minutes later I got the automated rate your call message.. So I called back this time the representative told me that She can not see anything on my account that would have caused them to report to the credit bureau she also said that they had no phone number for me to talk to the Department that was responsible for this happening but that I could write them a letter and proceeded to give me an address to do so.. Aidvantage has completely ruined my credit and my chances at getting a house and the only thing they can say is write a letter?! I am not sure why XXXX chose to sell to these people but they are awful and they do not care to fix what they messed up. In XXXX I received a 100 % loan forgiveness notification as well for these same loans that they are reporting to the credit bureaus and when I asked the representative about that she said she does not see it has been reported to them. Which I did reach out to student.gov who verified the forgiveness was approved and to give it a little more time and check back again which I plan to continue to do. If this company knew they could not handle the magnitude of new accounts that would be coming to them from XXXX they should have never signed on to do so.. You can not just inaccurately report on peoples credit and then do nothing to correct it.. This is unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Bridgecrest Credit Company LLC XXXX I request the following information to which I am entitled under Title 15 USC 1692 et. seq., the Fair Debt Collection Practices Act ( FDCPA ) 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 in my state.

Pursuant to 15 USC 1692g, you have 30 days from receipt of this notice to respond. Your failure to respond, on point, in writing, hand signed, and in a timely manner, will work as a waiver to any and all claims in this matter, and will entitle me to presume that you sent your letter in error, and that the matter is permanently closed

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Credit Plus Inc
State: PA

Complaint narrative:
I have two credit inquiries on my credit report that I did not do from Credit plus on the XXXX and XXXX of XX/XX/2022. I did not authorize and of the inquiries and have no idea. Kindly assist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Unifin Inc.
State: NM

Complaint narrative:
Receiving many collection agencies of debts done in fraud n Identy theft one is with XXXX XXXX contract changed from time of sale with XXXX XXXX on a recall vehicle n claim settlement n reposed n paid on XXXX XXXX  48 months as agreed at time of sale n resold n a first premier of a card debt n now this unifin a debt collector of XXXX this is identity theft and fraud this began with financing a car from XXXX XXXX dealership then XXXX XXXXl financing company stating no service warranty n there was was two years and five year service warranty n copies of payments mailed r not my payments n fraud n contract was changed from 48 months to 72 months n a recall n settlement claim but repossess n auto theft n resold n I paid for it n claim settlement was with XXXX XXXX  to buy back n XXXX settlement to all owners but refused to release title this Unifin collection refuses to give any info on when n where this debt was done n fraud n identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Grant & Weber
State: CA

Complaint narrative:
The collections account in question was opened on XX/XX/XXXX with an original balance of {$290.00}. For over four years I have attempted to dispute or make contact with the company. I never received a notice of rights to dispute as shown in the attached document of the first notice I received. I have spoken with agents of this company asking for further verification of the debt in question. I have never heard back from Grant & Weber with additional verification of the original debt owed. 

In XXXX I was on XXXX in California and my cost of medical care was {$0.00}. I was never contacted by XXXX XXXX XXXX about this debt. I am unaware of what medical care or procedure was performed by this group. I was informed via phone call that Grant & Weber would attempt to verify records that I received, and was billed for, medical care through XXXX XXXX XXXX and there has been no communication back. This collection continues to negatively affect my XXXX XXXX and credibility as a borrower. The most recent update to my account with them was on XX/XX/XXXX with a balance of {$450.00}. 

I refuse to pay this debt until it is proven and verified by XXXX XXXX XXXX. Otherwise, I continue to view this as a fraudulent charge as there is no proof of original bill.

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 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I just checked my Experian credit report I am appalled because they have 11 inaccurate addresses, 3 incorrect phone numbers, last four of my social incorrect they have it as XXXX not mine, 2 incorrect employers, 4 incorrect last names for me and that I have 24 accts. My correct name is XXXX XXXX XXXX my employer is XXXX XXXX XXXX all other information that they have for me is incorrect not accurate at all

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: AmerAssist A/R Solutions, Inc.
State: GA

Complaint narrative:
debt is involved in litigation

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
hi my name is XXXX I do crypto and I was lucky enough to sell my nft for a whopping XXXX I went to the bank opened up a sunny trust account a month ago and bingo I wire transferred XXXX in to my suntrust. ( XXXX - suntrust ) I went to the teller same day asked for XXXX she gave me it no problem. I did went to a car dealership to buy a car in doing so I had to get a cashier check. The banker told me XXXX cant touch my funds bc it has to be verified. I said thats weird she gave me XXXX at the other bank. Then I was like okay Ill wait 1 day passes they close my account the bank hasnt sent me my check. XXXX check Ive waited months and months. Please Im only XXXX XXXX XXXX I didnt do anything wrong I have recipes prof and conversation with binance agents on my email as well stating that the funds are with the bank. The bank hasnt gave me any info I go to the branch in XXXX XXXX she tells me theres nothing I can do. Please help this has been a month. Im sleeping at friends house for the time being Ive lost thousands of dollar due to not having the funds to invest. I have a XXXX XXXX  Im XXXX. They have out me in the worst position ever. I have no idea what to do now.

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 2022-03-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
I applied for mortgage assistance, and have been told on each call that I am in the decision process. I was even given an extension on the forbearance financial assistance I applied for back in XXXX of 2020. Still having no job due to covid and the need to attend school recertification to gain employment no payment could be made without sacrificing other items needed to get back to status quo. My request was to place the missed payments at the end of the contract, which there is no reason this could not be done. I received a call, no notice, no email, nothing to inform me this might be done and I can appeal the process or the process to appeal the process. They have immediately reported the payments as late making it almost impossible to refinance the property at a reasonable rate. I dont have any documentation to send because all I have received is a phone call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
I am getting phone calls and letters from portfolio recovery ( XXXX ) XXXX for a credit card debt that was discharged in bankruptcy court

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: TX

Complaint narrative:
I attempted to send my son {$300.00} on XX/XX/2022 using Cash App. I got an error message when I went to complete the transaction. I saw that it did debit my bank account so I contacted my son to see if he got it. He did not. I contacted cash app who told me there was an error & it should fall off from pending. It did not. I filed a dispute with my bank and cash app responded that there was 2 transactions. Both my sons history and my history show only 1 transaction in the amount of {$300.00}, but cash app debited 2 charges for the same amount from my bank. I tried to talk to cash app, spoke to several reps who all refused to help me and just kept talking in circles without any acknowledgment of a problem occurring. My son contacted them and they told him he received 2 payments of XXXX, when his transaction history only shows 1. So now there is 2 debits from my bank account for {$300.00}, there should only be 1, and Cash App refuses to return the failed payment that did not send but was debited from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: KY

Complaint narrative:
Credit acceptance corp is reporting a settled and closed account as open almost 2 years after the settlement took place

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 2022-03-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
I received notice in the mail by a Credence XXXX XXXX XXXX that I owed them {$2400.00} showing account number XXXX and creditor number XXXX This is a fraud account this is not mine. I already contacted the creditor and fraud was placed and investigated under my name. I have been with XXXX for the past 3 years so there is no way I owe XXXX XXXX XXXX as this is showing up on my credit stating it was opened XX/XX/2022 which again is fraud I am with XXXX. I submitted an identity theft report and contacted local authorities along with XXXX XXXX XXXX to have this investigated and removed. Credence did not send notice that they were placing this on my credit 5 days before like stated in FCRA meaning they violated my consumer rights along with XXXX XXXX XXXX not sending me notice either. When I called them I told them this is a fraud case and they ignored me and went ahead and still placed this on my credit report. I am purchasing a home this month and this caused a BIG issue with my lender. I am upset and irritated of the irresponsibility of this company and how they failed to notify me of this account before adding it to my credit when the account does not belong to me. Attached please find my identity theft report along with identification and the letter I received in the mail by the company above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: AFNI INC.
State: MO

Complaint narrative:
After carefully reviewing a copy of my credit report I noticed that this collection agency was reporting on my credit report. In which I have no contract with this company. So I then sent them a letter pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) disputing their claim and requesting proper validation. NOT a request for verification or proof of mailing address, but a request for VALIDATION made pursuant to the above named Title and Selection. I asked for competent evidence that I have any legal obligation to pay them. I have not received this information. The letter was sent certified with tracking number XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation