vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Payday loan debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: GA

Complaint narrative:
The company is Lendmark Financial. I took out a {$3000.00} loan with this company in XXXX or XXXX. Several months later, I lost my job and was unable to make my payments and the loan was eventually charged off and reported to collections. I took steps to enlist the help of a debt consolidation firm, and they negotiated a lower amount with this company. That was after an employee of Lendmark showed up at MY HOUSE demanding the loan be paid! Fast forward 7 years later, I start getting calls 7 to 10 times a day from a debt collection firm called XXXX. In addition to the frequent calls, which are harassing enough, they are now calling personal contacts. I have heard from immediate familymy parents, my daughter, my ex-husband and my former sister-in-law that they have all received phone calls from this company asking for personal information like my phone number, address, etc. Last week I answered one of these calls and this is the information from that call : Name of Debt Collector - XXXX XXXX XXXX XXXX calling for Lendmark Financial XXXX - XXXX ( just one of several numbers they use in addition to Unknown Caller Name of Caller - XXXX XXXX I am told that I owe {$3800.00}, ( {$3000.00} for the original loan amount and {$820.00} in late fees ). I want these calls to me and my family to cease and desist immediately. I have not received any validation letter that explains this debt and have never used my family members as references, nor given permission for them to be contacted in any way!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Radius Global Solutions LLC
State: VA

Complaint narrative:
For over a year now I have attempted to get XXXX XXXX to update my insurance in their system so that insurance can pay this bill. I have spent countless hours on the phone with XXXX making sure health insurance information is correct with XXXX, and each time I am assured that it has been corrected. Despite all of my time consuming efforts, XXXX has not updated the insurance information, so they are saying that I owe {$1000.00} for lab work. My insurance, XXXX XXXX ALWAYS pays for my lab work. It is covered under my plan. The reason it is being rejected is because XXXX is giving them incorrect insurance information. Now, I have received a bill from a debt collector and my original bill is not available on my XXXX patient portal. I can not contact XXXXt oXXXX XXXX  because I don't have the original bill. I receive my bills via email and the links to the bill are no longer active. I have no way to correct this. Worse yet, I can not get my XXXX XXXX at any XXXX lab because they incorrectly say that I owe this amount. I have XXXX XXXXXXXX XXXX and need to have regular XXXX done. This is not only an issue of unfair billing, but also it is putting my health in jeopardy.

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 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/XXXX I received a call at my place of work, when I returned the call it was a company by the name on XXXXXXXX XXXX  attempting to collect a debt from Check N Go. I was also contacted On XX/XX/XXXX by XXXX with XXXX XXXX XXXX, which was a pre trial mediator regarding a debt with Cash N Go pay day loans which I was not familiar with. She threatened that I would be served and would be taken to court. When I expressed that I did not have knowledge of a pay day loan and if she could give me more information she stated she did not have the amount of the loan that I owed and that she had no information on the company. She continued to raise her voice and yell at me and say that she was going to look up my social and my credit to see if I had a fraud alert because I was not aware of this debt and as I did not have a police report or a fraud alert I would be liable and would be taken to court and served papers to appear in court. I am not aware of a loan with Check N Go and I requested more information ( amount, date, account number, etc ) and she refused to provide, she continued to yell at me and said I would be served and hung up the phone. These companies continue calling and use different name and it is very deceptive. Ive contacted Check N Go and they have no record of a loan with my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
A balance transfer was made in the amount of {$5600.00} in XXXX of XXXX from my XXXX XXXX card to a Wells Fargo card. I began contacting XXXX XXXX in late XXXX because the balance transfer had not come off of that account. Throughout summer, both companies were contacted multiple times. Wells Fargo completed several research requests concluding that they did send the funds. XXXX XXXX still stated the funds were not seen. In XX/XX/XXXX, I called Wells Fargo and discovered that the last 4 digits of the account number they sent the funds to did not match my account. I am unsure how these numbers got changed. To remove the balance from my account, XXXX XXXX is requesting an EFT report showing that the funds were sent. 

On XX/XX/XXXX, I called Wells Fargo requesting that further documentation be sent showing that the balance transfer occurred. They stated that the only proof they could provide is my statement. The statement had already been sent to XXXX XXXX and was determined to be insufficient proof of transfer. Wells Fargo stated that the only other option is a custom letter. I again called XXXX XXXX to let them know. After some discussion, a three way call was done between myself, the XXXX XXXX representative named XXXX, and the Wells Fargo representative named XXXX. This call was recorded on both sides. XXXX stated to XXXX that the EFT report was all that was needed to resolve the issue. XXXX stated multiple times that he understood the request but Wells Fargo was unable to provide that, and that the only proof that they could provide was my statement or a letter. XXXX let him know that those options are not sufficient. He acknowledged that information. XXXX placed a request for both the EFT and a letter but acknowledged that it is unlikely that the EFT will be sent. He also stated that regardless of the outcome, there is no way to cancel the balance transfer, leaving me to pay the balance on both cards. 

I have now have the same balance on two cards. XXXX XXXX has temporarily refunded the balance to allow me to submit further documentation but it will be recharged to the account if sufficient documents are not sent.

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 2022-11-01 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:
These accounts are fraud and were opened in my name without my permission. 

XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX  Date opened XX/XX/XXXX XXXX XXXXXXXX XXXX Date opened XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX Date opened 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 explanation
Consumer complaint received 2022-11-01 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: IL

Complaint narrative:
On the morning of XX/XX/2022, I woke ( at approximately XXXX XXXX ) up to XXXX emails from Bank of America indicating that I had opened an " Advantage SafeBalance '' checking account. The first email was received at XXXX XXXX, and the last ( which was a change of email address confirmation ) was at XXXX XXXX. I personally, did not open any such accounts and immediately called BofA to initiate a fraud claim. One significant trsutration, is that BofA does not list a phone number where a non-account holder can reach a human being without using an automated platform which is only for account holders and requires one to enter either a bank ID, account number, etc. In the case of fraud, an individual would not have this information. 

Upon leveraging a phone number validated via fraud claims on XXXX, I was finally able to reach someone who transferred me to " Fraud '', then fraud transferred me to " Risk '' and then I was transferred back to Fraud, this time needing to again enter " account information '' for the automated process after being on the phone already for XXXX minutes. I had to call back and finally reached someone who assisted me, they validated my ID ( without needing my SSN ), entered an ID Fraud claim, and closed the account. 

The above actions were taking by XXXX 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 2022-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bread Financial Holdings, Inc.
State: VA

Complaint narrative:
Receiving apparent Debt Collection calls from a Comenity Bank. Multiple times per day, leaving voice mails. I don't have any accounts with this bank, and have never had any accounts with this bank. Never heard of them before and I really don't know why they are calling me. Calls coming from XXXX, to my mobile # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
On XX/XX/XXXX of 2021 and XXXX of 2021 I was a victim of a fraud scam with over $ XXXX and my bank ( bank of america ) didn't even try to protect me by looking into the company that Iwas wiring the money to I was starting a business abroad in 2021 and went to my bank around XXXX of 2021 to speak to my banker from bank of america about the business and the amount of money that was going to be involved, because it is a gold trading business. As I trusted my bank ( bank of america ) and they assured me that they would make sure the company that I was doing business with was legitimate before allowing wire to go through or protect me from fake or fraudulent companies. I went to bank of america to make a wire to the company that I was doing business with and the wire went right through, thus i assumed the company was legitimate and I went overseas to XXXX ( XXXX ) to purchase the gold. It turned out that the company was a big time fraud company and they've scammed many people and the company is still in business. I stayed in XXXX to get them arrested and get the law to deal with them which they did get arrested : however, i feel like my bank ( bank of america ) didn't even try to look into the company in which i was wiring the money to in XXXX. I have tried speaking to bank of america and they have not helped me, I've been through XXXX, I've lost my car, my house because of this and even have been sued. 

I made a wires on the following dates on XX/XX/2021 amount {$130000.00} On XX/XX/2021 amount {$310.00}, XXXX On XX/XX/2021 amount {$86.00}, 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 2022-11-01 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: Westlake Services, LLC
State: GA

Complaint narrative:
This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as Westlake bankruptcy department states debt uncollectible.

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 2022-11-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HW Holding, Inc
State: MN

Complaint narrative:
They are claiming that we owe XXXX  months rent. The rent was paid by XXXX XXXX of Minnesota. Further more. The apartment was released before XX/XX/2021. I drove by the apartment building and could see people living in the unit and furniture on the balcony. 

They are attempting to double and triple dip which is against Minnesota law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Silverman Theologou, LLP
State: MD

Complaint narrative:
On XX/XX/XXXX, the collection agency took funds from my debit card without authorization. Furthermore, I received a call from XXXX XXXX, a rep from the agency, sometime during the summer of 2022. He advised that I owed approximately {$6000.00} in debt. However, I informed him I did not believe I owed that amount and asked for proof of said debt. Other than my payment history, I have not received any other document proving that I owe the debt.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Maximus Federal Services, Inc.
State: CT

Complaint narrative:
I have called Aidvantage after receiving no communication from them regarding my loans being transferred to them from XXXX. They still have not set up my account and are now handling my refund request according to XXXX. When I called, I was told XXXX is still handling the refund which seems to not be the case, however I still can not log into an Aidvantage account to receive or check on any updates regarding this issue, and the employees do not seem to know what is happening either when I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have been banking with Truist for a few years now. I notice that we have incurred alot of inaccurate and excessive overdraft fees. When I spoke with a representative about it, my transactions always were out of order of occurrence and small amounts of money disappeared from my account that cant be accounted for. I have also closed my cards and somehow transactions are still coming through my debit card and I spoke with a representative several times and no one has been able to help me.

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 2022-11-01 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This account is included in bankruptcy. Bankruptcy was discharged XX/XX/2022. Account is showing late payments and a balance owed. Should not show a balance owed, should show included in bankruptcy, and should not show late payments as XXXX bankruptcy department states debt uncollectible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Westlake Services, LLC
State: MO

Complaint narrative:
On XX/XX/2018 I bought a vehicle from XXXX XXXX XXXX XXXX, Financed from XXXX XXXX XXXX, then sold debt to Westlake Portfolio Management. I was never told I had XXXX  days to rescind the agreement nor was i was given the notices that came along with all consumer credit transactions.I participated in a consumer credit transaction and not a loan Pursuant 15 U.S. Code 1602 ( i ). Pursuant to 15 U.S. Code 1605 the finance charge in connection with my consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me. They are in direct violation of this law. Violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction. Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission, we are not liable for any finance charge, security interest, etc. becomes void effective 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 explanation
Consumer complaint received 2022-11-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: AZ

Complaint narrative:
To whom it may concern, As many Americans, I have been trying to contact Great Lakes ( " GL '' ) to obtain accurate student loan information. During Covid I had submitted approx XXXX XXXXXXXX in student loan payments. I then requested a refund due to the CARES act. 

I called GL on XX/XX/26 at XXXX MST to request a refund, we spoke we a GL rep who stated she would submit the request. 

I then called GL on XXXX to ensure they had the correct information and GL advised they had no record of the XX/XX/26 call and no request had been submitted. This is unacceptable and I asked them to go back and replay the recorded phone calls. This request was NOT honored by GL. At that time the GL rep advised the request was formally submitted on XXXX. Since this was an error on GL part, I would expect them to escalate or to take accountability. 

Since then, GL has updated their website to show I owe money and even allows me to " make a payment '' on my new loan value but I have not received any actual refund of any format. This seems like a law firm would love to analyze/review this aspect as it seems sketchy/illegal to allow consumers to pay when not having received a refund. I have contacted GL verbally and in email and have received different and misguided responses about my loan value and if I will even receive a refund. They state they have done everything on their end but yet no refund. 

I work for a bank and our bank is NEVER allowed to state that the consumer owes money if the money has not actually been refunded. Also, my bank would never provide fake, altered, unsure, unreliable information to our consumers, as this would be a breach of fiduciary responsibility. This complaint is to ensure a student loan refund is provided to the bank accounts in the next few days, since it shows there is an active loan under my name. Please don't mess with people 's money as banks are held to high standards, so should GL. Times are tough and GL has only made them tougher. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-01 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: GA

Complaint narrative:
On XXXX, I sent a letter to the courthouse asking do the report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer.

They also violated my rights numerous times.

The credit bureaus violated my given rights under 15 USC 1681.

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

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions According to : 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 

The information that is shown about this fraud bankruptcy on XXXX and TransUnion is completely inconsistent. XXXX says the date filed was XX/XX/2019 and Transunion says it was filed XX/XX/2019. They also both have different reference numbers. Lastly, Transunion says the Court is US Bankruptcy Court, while XXXX says it's Federal Court.

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