vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
Approximately one year ago I received a demand letter for payment of a debt I did not owe. It was for XXXX XXXX XXXX XXXX. I have never had an account with XXXX XXXX XXXX nor used their equipment. I met with a rep at the XXXX & XXXX location in XXXX CT and they were not able to locate an information for me. The matter was dropped. However, I recently received another demand letter from a different debt collector for the same debt and I have responded with a letter requesting all information regarding this matter, such as a signed contract. The following is a brief : From : Credence Resource Management XX/XX/2022 Creditor : XXXX XXXX XXXX XXXX Account No. : XXXX Credence Reference ID : XXXX Balance : {$1300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We refinanced our 2 mortgages into one at Citizens Bank in XX/XX/XXXX. Real estate and school/property taxes were to be paid through our escrow account. We have two parcels, one across the street with no building on it and our main parcel with our house on it. 
On XX/XX/XXXX I received our XXXX real estate tax bill from XXXX XXXX XXXX. They were two separate bills. One in the amount of {$2600.00} ( with the house ) and the other {$500.00}. These were Face Value, not including the discount if paid by XX/XX/XXXX. 
On XX/XX/XXXX I received a letter from XXXX requesting payment of the school real estate bill for our small parcel in the amount of {$550.00}. XXXX XX/XX/XXXX I called Citizens and spoke to XXXX. she told me to request that the bill be paid through escrow account. She said it would take 10 business days to go through. 
On XXXX XXXX I got an Escrow Account Disclosure Statement saying I had a shortage in my escrow account in the amount of {$910.00}. I could either pay it in full or have it spread across my monthly payment in XXXX. I chose the latter.I assumed it had something to do with this bill that wasn't paid. 
On XX/XX/XXXX a letter from XXXX XXXX XXXX XXXX XXXX was sent to me trying to collect the {$550.00}. I called Citizens and XXXX claimed they paid {$490.00} for that bill in XX/XX/XXXX, but it was refunded on XX/XX/XXXX. They were going to do a New Analysis on the Account and would have an answer in 10 business days. she said the main parcel with the house was paid $ XXXX turned out the check for {$490.00} was sent to the wrong taxing authority - XXXX XXXX XXXX and was returned. 
On XXXX XXXX I got another letter from XXXX XXXX XXXX wanting to be paid the {$550.00}. A call to Citizen 's told me that amount was due to be paid XX/XX/XXXX. On XX/XX/XXXX another letter from the law office now wanted {$600.00}. XXXX from Citizens said it was paid XX/XX/XXXX and it would take 10 business days for them to see it in their system. XX/XX/XXXX - next letter from law office - fee up to {$770.00}. XX/XX/XXXX - new balance due $ XXXX XXXX XX/XX/XXXX I spoke to a supervisor at Citizens XXXX They would get this paid and cover the penalties and interest. On XX/XX/XXXX I received two emails from Citizens stating my real estate tax was paid- {$600.00} and my tax penalty was paid- {$470.00} all paid from my escrow account. So instead of me paying the original {$470.00} through my escrow account on time, I have paid {$1000.00}! I am now waiting for another Supervisor to call me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: CITIBANK, N.A.
State: LA

Complaint narrative:
On XX/XX/XXXX, I purchased equipment from Best Buy. A customer service representative explained that my purchase qualified for a 12 months no interest promotion. I called customer service for a credit increase. During the application process I asked the representative if the credit limit increase would affect my credit he replied " No, it is a soft inquiry it will not impact your score. '' So I agreed. He then proceeded to transfer me to a female representative for verification where I again stated that I would only agree to authorization if my credit score was not impacted. Again, the representative assured me that it was a soft credit pull. I also mentioned that I could pay the remaining balance in cash if my credit score would change. As soon as I agreed to the terms and conditions, I received a notification that an hard inquiry was added to my credit report. I have called Best Buy three times regarding this matter. The first representative apologized and explained that all credit applications require a hard inquiry. The second representative I spoke with disputed the transaction with the major reporting credit bureaus, which did not remove the hard inquiry. The third representative I spoke with said that my issue would be escalated. I explained that the matter had been escalated with no resolution and asked to speak with a manager. I explained the matter to the manager and asked if I could have a copy of the recorded conversation since the automated message states that all calls are recorded for quality purposes. The manager disclosed that I would have to subpoena the company for a copy. I am appalled that not one, but two customer service representatives would misinformed of the companies credit card policies and procedures. It feels as if they give false information to increase credit sales. I did not consent to a hard inquiry and made that very clear during the course of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
On XX/XX/XXXX I was contacted by a man claiming to be from Wells Fargo Fraud Dept. He was notifying me about fraudulent activity on my acct. I opened my app and found there was fraud on my acct. 
I started receiving texts from the same number Wells Fargo uses to send me codes, has me tell the the codes as verification. I told the man posing as Wells Fargo the codes numerous times and when I questioned it, he gaslighted me with scripted XXXX same as Wells Fargo. He finally slipped up and asked me for my entire social security number. I immediately hung up and called the number on the back of my debit card. 
I was assured it was fraud, but that they could fix it. I spent XXXX  hours on the phone with WF to close out my accounts ( both saving and checking ) and reopened new ones so no further fraud could occur. A new debit card was also ordered. 
On XX/XX/XXXX I called to ask questions about the fraud and was told everything I had previously had been told was wrong. I was also told not to question how or why it occurred and not to blame Wells Fargo or they just wouldnt give me my back. 
XX/XX/XXXX I went to Wells Fargo in XXXX, XXXX and spoke with a banker who helped me file a corporate complaint and was assured they knew it was fraud, a well known fraud, and that it would be handled and my monies returned. 
XX/XX/XXXX I was told my fraud claim had been rejected as not fraud, because I gave the man the codes. 
His phone number is registered on XXXX as a WellsFargo branch in XXXX. An attached link takes you to WellsFargo.com. He used Wells Fargos texting system to text me. Either he is fraudulently using their name and company, or Wells Fargo themselves are the fraud. Either way, its still fraud. 
Every time I talk to Wells Fargo I am asked to share codes that say not to do certain things. If I dont give them the codes, they will end the phone calls. Same as the fraudster. How is a customer supposed to tell the difference when the experience is, Just do it, or else with both the fraud and the bank themselves?

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 monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 
XXXX XXXX XXXX. Account # XXXX has violated my rights. 
15 U.S.C 1681 section 602 A States I have the rights to privacy. 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. 15 U.S.C 1681 c ( A ) ( 5 ) Section States : no consumer reporting agency may make any consumer reporting report containing any of the following items information. Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: EdFinancial Services
State: TN

Complaint narrative:
They have this loan in my maiden name which I was married at the time that They say this loan generated. I have no knowledge of this loan, plus it looks like this debt has been sold to someone else.. this is not mine so could you please remove it

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
There has been an initial & extended Fraud alert applied to my Credit report. This is the current status at Transunion, XXXX XXXX XXXX credit bureaus.

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 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
Equifax, XXXX, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
XXXX, XXXX, and Experian are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account balances, dates of last activity, high credit limits, monthly payment balances, and account numbers different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following accounts be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

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 2022-08-01 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: FL

Complaint narrative:
SERIOUSLY DELINQUENT STATEMENT ON REPORT 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 non-monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The Leviton Law Firm, Ltd.
State: TN

Complaint narrative:
On XX/XX/2022, I received a call from Leviton Law at XXXX in an effort to collect a {$7000.00} debt on behalf of my father and a business he briefly served as the CEO of and stated that I have an obligation to the debt. 

I have absolutely no involvement or employment history with the business whatsoever and have no obligation to the debt or any matters pertaining to the business and the debt in question was prior to my father 's brief employment with the organization. 

I have not acknowledged the debt with Leviton Law and am in the process of drafting a cease and desist with legal representation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
XX/XX/2022 : Opened an account for {$400.00} promotion ( XXXX XXXX XXXX ), which consists of {$300.00} for direct deposit and {$100.00} for XXXX debit card transactions. Bonus should be paid by XX/XX/2022. Promo term is attached. 

XX/XX/2022 : Completed the direct deposit requirement. 

XX/XX/2022 : Completed XXXX debit card transactions. 

XX/XX/2022 : Received {$300.00} bonus. Did not receive the {$100.00} bonus. 

XX/XX/2022 : Contacted Citizen via text message and was confirmed by XXXX  that the account does qualify for the additional {$100.00} and appears to be credited by XX/XX/2022. 

XX/XX/2022 : Havent received the {$100.00}. Contacted Citizen via text message, was advised by XXXX to call XXXX. Called the number, waited for about half an hour to speak with an agent, and was put on hold for almost another hour since the department that should be assisting can not be reached. Was advised to go to branch to contact this department instead. After XXXX hour waiting, the agent advised that her call was disconnected from that department and she can not assist any further.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
On XX/XX/2022 I made a transaction for {$40.00} processed through XXXX XXXX in US dollars to a merchant located in XXXX XXXX XXXX. On XX/XX/2022 I was assessed a fee of {$1.00} for making a foreign transaction. On XX/XX/XXXX I called Bank of America to ask about the fee and the associate specified that the foreign transaction fee is based upon the Merchant Address and not the processor as specified in the Bank of America Customized Cash Credit Card Agreement which says that " A Foreign Transaction is any transaction ( XXXX ) made in a foreign currency, or ( XXXX ) made in U.S. dollars if the transaction is made or processed outside of the United States. '' The associate refunded the fees and advised me to contact the XXXX in order to have Bank of America correctly process these transactions in the future.

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 monetary relief
Consumer complaint received 2022-08-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA

Complaint narrative:
Hello, each month I send my insurance payments via my bank to USAA and coincidentally about every 3-6 months, USAA claims that they did not receive the payment and charges a {$25.00} late fee. The most recent incident took place XX/XX/2022. After learning that my payment was not received, I called my bank and conferenced a call with USAA to verifying that my XXXX payment was made. USAA claimed that they would research and get back to me regarding the payment and the waiving of the {$25.00}. Yesterday, I received an email stating that my account was behind and will be cancelled. I call on XX/XX/2022, to find out what had taken place and they said that my XXXX payment was never received. I told them that I will make the XXXX payment ; however, I refuse to pay the {$25.00} late fee. They are refusing to remove the late fee because they said that they had already removed two -- which by the way was caused by the same " missing '' payments routine. 

It is my belief that USAA is purposely misplacing payments so that they can charge their clients unnecessary {$25.00} late fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 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: LA

Complaint narrative:
On XX/XX/XXXX, I purchased equipment from XXXX XXXX. A customer service representative explained that my purchase qualified for a 12 months no interest promotion. I called customer service for a credit increase. During the application process I asked the representative if the credit limit increase would affect my credit he replied " No, it is a soft inquiry it will not impact your score. '' So I agreed. He then proceeded to transfer me to a female representative for verification where I again stated that I would only agree to authorization if my credit score was not impacted. Again, the representative assured me that it was a soft credit pull. I also mentioned that I could pay the remaining balance in cash if my credit score would change. As soon as I agreed to the terms and conditions, I received a notification that an hard inquiry was added to my credit report. I have called XXXX XXXX three times regarding this matter. The first representative apologized and explained that all credit applications require a hard inquiry. The second representative I spoke with disputed the transaction with the major reporting credit bureaus, which did not remove the hard inquiry. The third representative I spoke with said that my issue would be escalated. I explained that the matter had been escalated with no resolution and asked to speak with a manager. I explained the matter to the manager and asked if I could have a copy of the recorded conversation since the automated message states that all calls are recorded for quality purposes. The manager disclosed that I would have to subpoena the company for a copy. I am appalled that not one, but two customer service representatives would misinformed of the companies credit card policies and procedures. It feels as if they give false information to increase credit sales. I did not consent to a hard inquiry and made that very clear during the course of the conversation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit card or prepaid 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
{$6200.00} was applied then deducted as though the payment was never applied or sent. When I call in to ask about the charge and reversal nobody can tell me where the payment was returned to. I asked for the payment to be sent back in the form of a check and my request keeps getting dishonored. Their records show that several payments were made and applied. However my credit limit was maliciously lowered and then reported to the credit bureaus. This malicious actions taken by chase has caused immense hardships in my life and has created very negative affects.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
XXXX, TransUnion, and XXXX are all reporting inaccurate information on my credit profile, which is causing major damage to my credit history. The credit bureaus have stated they did a thorough investigation, but I find that hard to believe because I am still finding inaccuracies being reported. They are reporting different information, and this is illegal. If an accurate investigation was done, why are the account status, high credit limits, and dates of last activity different from the other? Shouldn't they all be reporting the exact same information if it was deemed accurate and properly investigated? I have attached screenshots along with the inaccuracies I found are highlighted. I am requesting the following account be removed immediately due to inaccurate reporting, proving the credit bureaus did not properly verify the inaccuracies that I have recently disputed.

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