vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: DISCOVER BANK
State: MO

Complaint narrative:
XXXX XXXX XXXX I purchased a vehicle from XXXX XXXX 
-The vehicle was described as " good running vehicle, no mechanical issues except a TPMS '' -When I received the vehicle it was in complete opposite condition. The vehicle had blown headgaskets, blown motor, missing driveshaft, and many other things totaling over XXXX dollars worth of repairs. 
-I immediately contacted XXXX XXXX. They refused to refund me and take back the vehicle. 
XXXX XXXX XXXX I contacted discover to dispute the XXXX charge that I put on my credit card to XXXX XXXX. ( the total was XXXX however XXXX only allows XXXX XXXX to the credit card ). The rest was done via wire transfer. 
-Discover first ruled in my favor, then against, then in my favor, then against. They refused to re open the dispute although I have provided more than sufficient documentation showing that I was sold something other than what was described. 
-Discover told me since I signed an " as-Is '' statement that the charge is valid. However the as-is statement was signed on false pretenses of XXXX false advertisement. 
-If I had known that vehicle was in complete inoperable condition I would have never signed that document. XXXX commited fraud. 

-I have attached documents that discover has already. They range from the following : -Email conversation between the seller and I where they assure me the vehicle is in good mechanical condition with no issues other than the TPMS XXXX 
-Pictures of the vehicle the day it arrived. 
-Pictures of the vehicle showing oil leaking while still at the sellers location ( provided by the shipping agency ). 
-Pictures of some XXXX correspondence between XXXX and myself where XXXX is knowingly admitting to their negligence in reporting issues with the truck in regards to it missing a driveshaft. 
-Pictures showing an advertisement for another vehicle listed as NON OPERABLE, however the vehicle I purchased was listed with the only issue being a TPMS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
NAVIENT IS ATTEMPTING TO SCAM BORROWERS OUT OF STUDENT DEBT RELIEF BY ENCOURAGING THEM TO REFINANCE THEIR LOANS UNDER NAVIENT 'S PRIVATE LENDER, NAVIrefi My former loan servicer, Navient f/k/a Sallie Mae, not only committed extensive mistakes and violations against me for 31 years while they serviced my loans, but they are trying to scam me out of student debt relief by encouraging me ( and many others ) to refinance my loans with their private lender, NaviRefi, even after we consolidated our loans with the Department of Education who hold our loans. 

This needs to STOP NOW! Navient needs to be investigated, and an injunction filed, at the very least, to stop these nefarious and wicked tactics, if not a lawsuit. 

I have already been the beneficiary ( restitution recipient ) of one lawsuit filed against Navient for deceptive loan servicing practices. In fact, I worked on the case and I know what they have done to me and millions of others. 

Navient is no longer my servicer and neither is their cohort XXXX XXXX XXXX XXXX 

Navient has my entire loan history since XXXX  and so do I. They better cooperate with every state and federal agency regarding my loans and not provide false documents or information either. That includes my repayment history and all the forbearances they steered me into for years! 

Thank you. 

XXXX XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: Summit A*R, Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: OneMain Finance Corporation
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states : " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumer 's right to privacy. '' Equifax and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states '' It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers ' nonpublic personal information. '' XXXX XXXX is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party - the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code $ 1681s-2 ( A ) ( 1 ) A states " A person shall not furnish an 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services "

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX, I saw an offer for an XXXX XXXX XXXX and I negotiated the price down to {$500.00}. We agreed to pay with PayPal Goods & Services and I transferred {$500.00} to XXXX XXXX XXXX, whose email address is XXXX. She then complained that her account got locked and she could not do anything. She asked me to cancel the transaction and I called PayPal to dispute the money. PayPal said I would get an update by XX/XX/XXXX. 

Because she asked for a cancellation, she then asked me to send her another {$100.00} through XXXX, with the contact information XXXX. I did that, but then someone with the phone number ( XXXX ) XXXX sent me a message on XXXX, PRETENDING to be XXXX. They said " XXXX : for your protection, your {$100.00} payment to XXXX XXXX XXXX  was refunded. {$100.00} has been returned to your bank account and will be available on Wednesday ''. I did not trust the number, so I asked her about it. She said that she forgot to mention that in order for her to receive the money, I should have sent her another {$5.00}, so the total would be {$100.00}, because her bank charged extra fees. That sounded very weird to me and I said I would not transfer anything else before I got my money back. 

Then she said that she would be busy tomorrow and if I just sent her another {$100.00}, then she could ship it on that day with next day delivery. I said I only had {$55.00} left, so I transferred that amount to XXXX, with the transaction ID XXXX. After I transferred her the money, she never sent me a tracking number. She said I needed to pay more and when I asked for proof that she had shipped it, she just sent me a random XXXX  image from XXXX. Until this day ( XX/XX/XXXX ), I still have not received the phone and when I asked for a refund, she refused to give me one.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: AZ

Complaint narrative:
Hi there! 

My name is XXXX XXXX and I am a XXXX XXXX XXXX XXXX living in both XXXX XXXX XXXX XXXX XXXX XXXX On a recent credit report of mine, a collection account appeared claiming I owed XXXX XXXXXXXX XXXX XXXX XXXX XXXX {$1900.00} for an XXXX  visit last XXXX. I was baffled for several reasons. 

1. Health insurance companies MUST cover a reasonable portion of the bill by law for any type of XXXX service regardless of whether or not the facility is in network. This includes hospitals, XXXX XXXX XXXX XXXX  etc. This is part of the No Surprise Act of 2022 and is a Federal mandate. 

2. My insurance company informed me that they were dealing with this bill and the reason for the delay was that the hospital sent a NON EXISTENT DIAGNOSIS CODE with the bill. My insurance company reached out to them for the correct number. They NEVER RESPONDED to their call. 

3. At the time of service I signed a form that stated my maximum out of pocket for the visit would be {$500.00}. 

Since this all started I have been speaking to the Collections and Risk departments in both the corporate headquarters for XXXX XXXX XXXX XXXX XXXX XXXX. BOTH departments assured me that there WAS an error on their part and they they would be immediately recalling the collection to have the bill paid by insurance as they are legally bound to do. 

I then called the debt collector. XXXX XXXX XXXX AND sent a letter to it's president XXXX XXXX requesting that they contact their client and I can only assume this did not happen as the amount of this collection has INCREASED since my contact with them from {$1900.00} to {$2000.00}. This increase, I see as a personal swipe at me for daring to contest their ability to collect money they have no right to. 

I a sending you this letter requesting that you please speak to the parties involved. This would be : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, who are both reporting this debt which is NOT a legal debt as it was for an XXXX  visit which is prohibited by the No Surprise Act. 

This is causing great personal and emotional grief for me and for my family. We were supposed to be purchasing a new home and the collection caused the bank to pull the loan at the last moment. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: ZIONS BANCORPORATION
State: CA

Complaint narrative:
I was denied opening an account with 2 Banks after settling with XXXX. XXXX. XXXX agreed to remove the collection on my bank history once the balance was paid. I spoke to XXXX XXXX at Zions bank the parent XXXX XXXX XXXX on several occasions. She was aware of my denial and ageed to remove the collection once that collection was paid. I was very clear about removing the collection because XXXX XXXX XXXX XXXX told me my application was denied due to the collectiom. I recently went to XXXX XXXX  in XXXX XXXX and was denied being added to my wifes account. This is not the agreement we made and there is no reason for not removing the collection. Especially disappointing since I'm an account holder with XXXX XXXX and XXXX another Zion bank. Pls demand this collection be removed.

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 2023-10-21 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: SC

Complaint narrative:
Hard inquiries that i don't recognize XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21 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: MOHELA
State: OH

Complaint narrative:
There are a few issues I am having with MOHELA, and calling them has created more problems where I have to call them again. 

1 ) I consolidated my direct loans and applied for the SAVE plan at the same time, however, only my loans were consolidated and my repayment plan was not taken into account when it was transferred to MOHELA and it showed I had to pay way more than I would have if repayment was under SAVE plan 2 ) I called them and asked why and they did not give me information or change anything. Instead, they applied the SAVE plan again and told me they could put my consolidated loan in forbearance until the SAVE plan was applied. At this point, I already had two other loans of mine in the SAVE plan, so I was fine with this BUT they placed all my loans in forbearance and nothing that they have done reflects on the website. There is no proper communication of what took place in the call.

3 ) They processed my PSLF form in a way that says my employment ends in 5 days which does not make sense when I marked my employer as currently employed. I let them know that and they said I just would have to resubmit when that does not make sense and does not match up with my colleagues who also applied for PSLF.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
The closing fees and dates were not the original if I recall. Wells Fargo had my loan originally, then I got divorced and refinaced/repurchased my home. The closing didn't go as planned and cost me more than originally I was made aware of.

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 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
On Monday XX/XX/XXXXXXXX XXXX I received a text message asking if I had authorized a {$2000.00} XXXX transaction. Immediately after I received a call from a number that I personally verified to be the official Wells Fargo customer service phone number. The person on the line notified me they were calling from Wells Fargo Fraud Protection and proceeded to walk me through steps to chargeback my money in XXXX. They were extremely professional and knew sensitive details about me that I didnt think anyone besides the bank would be able to access. I followed their instructions and entered a transaction of {$1000.00} on XXXX to a recipient they claimed to be my caseworker. They said I had completed the first step of my payment cancellation plan. I called Wells Fargo customer service shortly after speaking with this individual to confirm some details where I was informed that I had been scammed by someone impersonating Wells Fargo. The actual Wells Fargo launched an investigation but denied my claim for my money back due to me authorizing the XXXX transaction.

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 2023-10-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
On XXXX XXXX I made a deposit to my checking account from XXXXXXXX XXXX which is one of my incomes as a XXXX XXXX  in Texas that amount was {$28.00}, then my Father sent me {$700.00} to be exact via XXXX through the Bank of America app and the purpose of him sending me that money was for school because I had a deadline for a specific course then I deposit another {$16.00} that was sent from my brother on XXXX. The VERY next few hours not even one day later {$660.00} was withdrawn from my account with no authorization from me the only account holder to my checking account and there was no message indicating my account was going to be charged I did not owe any money as I called the company 10 times today and they confirmed I didnt owe anything but now I got to wait until Monday to speak to the representative from that specific branch which was XXXX XXXX . There never should have been a withdrawal from my account because this was money sent over from a family and my income combined. I was going to wait until the next day to take my money and use it for my education but now Bank of America has made things very difficult for me to even access my money that they took with no authority

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 2023-10-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
DEROGATORY REMARKS/COLLECTIONS/ACCOUNTS XXXX. XXXX XXXX XXXX XXXX UNAUTHORIZED INQUIRIES XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: OH

Complaint narrative:
I processed a payment through XXXX, transferring {$450.00} from my account to another for purchase of event tickets on XXXX. The transaction was not processed, I received an alert that stated " Your payment requires additional review '' and immediately called my bank. I asked if it was possible to cancel the transaction as I was starting to get a bad feeling about the seller. The representative told me that the transaction was not processed and had actually been cancelled as it required approval from me. 

The following day, the money was gone. I called the bank and inquired and they told me I was out of luck. That they do not investigate and that the money would have to be recovered by XXXX, but XXXX told me to talk to my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-21 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: National Credit Systems,Inc.
State: MO

Complaint narrative:
In accordance with the fair credit reporting act, XXXX account number XXXX, has violated my rights. 

15 USC 1681 section 602A states I have the right to privacy.

15 USC 1681 section 604A section 2 it also states, a consumer reporting agency can not furnish a account without my written instructions 15 USC 1666B a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation