vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
It all started on XX/XX/XXXX and XX/XX/XXXX. My account was hacked via XXXX from the following people : XX/XX/XXXX XXXX XXXX  {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} XX/XX/XXXX XXXX XXXX {$100.00} I did not know until XX/XX/XXXX when Bank Of America texted me beginning at XXXXam until XXXX am when I woke up and saw the message. I immediately responded no that I did not authorize the transactions. 

A few days later Bank Of America sent me a letter stating that I had withdrew too many times as my savings account allows 6 times, but they approved the XXXX transaction. I immediately called the fraud department and filed a claim. 

About XXXX weeks later I received a letter from the fraud department stating that it was denied because I apparently made those charges. I then went to my bank and they asked for my claim to be re-opened as I do not have a XXXX account. 

XX/XX/XXXX, Bank of America XXXX department sent me another letter stating they would not credit my account because the devise used was consistent with previous valid account activity. 

I went to the bank yesterday, XX/XX/XXXX to close my accounts and I was able to close my checking account, but could not close my savings account until I called the XXXX department and asked them to release my money. After being on hold for XXXX hours, I was able to close my account and today. 


Prior to this fraud I had never used XXXX. In fact I had never heard of XXXX and never authorized Bank of America to add this service to my account. I did not authorize these XXXX transactions if it was done through an associated IP address then that devise was hacked because it was not me. Bank of America obviously felt like this was fraud or they would not have sent out the fraud texts but yet they still allowed the money to leave the account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CO

Complaint narrative:
My student loans were transferred over to Mohela in XX/XX/2022. Several employment certifications for PSLF had been sent over from XXXX XXXX. My counts were not updated. In XX/XX/2022, I took the day off because despite the transfer my loans had inaccurate counts knowing that the wait times would be longer than typical. Some payments had been counted while others had been excluded with no rhyme or reason. After spending all day on the phone I finally spoke with a supervisor who found that they had indeed overlooked employment certifications and she told me they would escalate it up to ensure those accounts were accurate. That never happened. I called again to find out why nothing had happened, and was told the request was cancelled. I asked to talk to a supervisor, and waited on the phone for two hours. No supervisor ever picked up. I called again today because nothing has changed. I was told that I was " approved '' but my employment was not certified. This makes no sense. I asked to speak with a supervisor and was told that I was not allowed to unless they got special permission. She said she would go ask, and then she left me on hold and never came back to the call. At this point I have spent over 14 hours on the phone with Mohela, and they have refused to fix a mistake they already acknowledged they made. In addition, they are not allowing access to appropriate individuals who can address the problem. They had all my paperwork in XXXX XXXX XXXX and have done nothing with them.

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 2023-01-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/2022, I opened a Citi Priority checking account with CitiBank due to a promotional offer they had at the time. My mom wrote me a check for {$75000.00} from her XXXX XXXX XXXXXXXX checking account for me to deposit into my CitiBank account for the promotional offer. Deposited the check at the CitiBank financial center in XXXXXXXX XXXX with my mom. CitiBank cashed the check on XX/XX/2022, which is reflected in my mom 's account with XXXX XXXXXXXX XXXX as the funds have been withdrawn. However, CitiBank then deemed the check fraudulent and closed my checking account with them on XX/XX/2022. As a result, I no longer have any access to my account with CitiBank and only have the email notifications that they have sent me and checkbook as a proof. CitiBank also informed me that they would be sending me a letter stating why my account was closed but have never received this letter of explanation. They also have not returned the {$75000.00} to my mom 's account at XXXX XXXXXXXX XXXX. 

I have attempted to resolve this issue with CitiBank multiple times, including visiting the financial center and speaking with the supervisor, but have been told that my account is terminated and that the funds would be returned by mail within XXXX days. Despite this promise, it has been over XXXX months now and the funds were never sent in the mail and there has been no attempt on their end to return the money. I have called CitiBank numerous times throughout the XXXX months to try and find a resolution for how the funds can be returned and have wasted countless hours on the phone with them, only to be transferred to multiple departments with varying answers. 

I also attempted to contact XXXX XXXX XXXXXXXX to file a dispute or claim, but was told repeatedly that the funds have been cashed by CitiBank and are in their holding and that I needed to create a claim with CitiBank in order to have the funds returned. XXXX XXXX XXXX has also sent a letter stating that the CitiBank has the funds. I have called CitiBank again and been transferred countless times again, but all CitiBank representatives are now telling me that XXXX XXXX  XXXX needs to create the claim despite the fact that I have already informed them that XXXX XXXX  XXXX can not do so. 

It is clear that both institutions are simply passing the responsibility back and forth, leaving me with no resolution in sight and wasting countless hours of my time. It has been XXXX months since the account has been closed and there is no indication that the funds have been returned to the checkmaker 's account, and no accountability or willingness to resolve this issue on the part of either bank.

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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 XXXXXXXX XXXX  XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : 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.

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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 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: GA

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 XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX XXXX XXXX XXXX has violated my rights .

15 U.S.C 1681 section 602 A. States I have the right 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 1681c. ( a ) ( 5 ) Section States : 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.

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 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The below listed below accounts are on my credit report but do not belong to me. 


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 non-monetary relief
Consumer complaint received 2023-01-19 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: FL

Complaint narrative:
The below listed below accounts are on my credit report but do not belong to me. 


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 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Credit Karma, LLC
State: CA

Complaint narrative:
Credit karma said i was approved for a credit card and when I applied i got denied and i seeing that there is a law suit for that reason for credit karma

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My account was closed wrongfully by Wells Fargo. Because I filed a dispute about funds that was taken outta my account with no trace of where it went. Additionally to that I was waking up to fees I didnt have a clue where they came from.

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 2023-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: MOHELA
State: TX

Complaint narrative:
Mohela, service lender, has not met the 90 day promise to process PSLF application.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Late XX/XX/2022 I received an email indicating my credit score decreased from the 800s to XXXX. I reviewed my credit report and noticed an account opened XX/XX/2022 with Bank of America. I did not authorize such account. According to BofA an XXXX XXXX credit card was passed on to someone who used my information. Also, according to BofA an address from New Jersey is attached to this card. I have never lived in NJ. 
Since I read your results of your investigation I am unpleased and continue to be frustrated. I will continue to contact BofA ( XXXX ) XXXX to get an update on their investigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: WELLS FARGO & COMPANY
State: MA

Complaint narrative:
Wells Fargo Bilt credit card opened in my name online somehow got all my personal info address, ss number, phone

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TMX Finance LLC
State: TN

Complaint narrative:
On the date of XX/XX/XXXX I went to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax to receive credits and satisfy the entire price of the service via a consumer credit transaction pursuant to the Truth In Lending Act. During that same date agents belonging to TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax made material presentments and furnished deceptive forms as to nature of the contract when they presented me a " pledge agreement XXXX XXXX '' with the intent of utilizing the par value in conjunction with my signature on the application as a draft to create new money on their accounts which satisfied the credit extension and the finance charge which is the sum of all payments pursuant to15 U.S.Code 1605 ( a ) for the credit extension causing deceit of the nature of the agreement in violation of Section 5 ( a ) of the Federal Trade Commission Act ( FTC Act ) ( 15 USC 45 ) prohibits unfair or deceptive acts or practices in or affecting commerce. because they extorted me to compel to perform for payment that was already satisfied. The contract being void ab initio because of the fraud performed. Therefore there is no agreement of the debt neither did TMX Finance LLC dba TMX Finance of Tennessee , Inc dba TitleMax have the right to assume anymore a debt wherefore collection could be made. TMX Finance LLC dba TitleMax of Tennessee, INC. d/b/a TitleMax further harmed my estate, damaged my marriage by way of my reputation, and committed theft against me by way of taking my vehicle ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX by way of their self described " repossession '' and engaged in human trafficking pursuant to ( 22 U.S.C. 7102 ( 11 ) ( A ) ) of my XXXX XXXX Person, and violated my right to privacy pursuant to 15 U.S.Code 1692 ( a ) when they trafficked my person to the unverified Tow Company without my express written permission. Please see the full attachment of the correspondence via the mail that I gave to TMX Finance LLC in the attached links.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I AM WRITING TO DELETE THE FOLLOWING INFORMATION IN MY FILE. THE ITEMS I NEED DELTED ARE LISTED IN THIS REPORT. I AM A VICTIM OF IDENTITY THEFT & I DEMAND THAT XXXX REMOVE THESE ITEMS TO CORRECT MY CREDIT REPORT IMMEDIATELY! I HAVE REPORTED THIS TO THE FEDERAL TRADE COMMISSION AFFIDAVIT XXXX DOB : XX/XX/XXXX XXXX XXXX - XXXX Last reported XX/XX/XXXX {$170.00} Reported balance XXXX XXXXXXXX Last reported XX/XX/XXXX {$0.00} Reported balance Inquiry details * XXXX ( Bank ) XX/XX/XXXX, XXXX XXXX XXXX  ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX  XXXX, PA

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: FL

Complaint narrative:
The company has erroneously duplicated an accident event resulting in having to pay a higher car insurance policy. This has been disputed in the past ; however, the company has not made efforts to correct the information contained in my driver 's record.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC.
State: MS

Complaint narrative:
I called Navient today to request repayment assistance. My current payment is {$320.00}, the only option I was given was to do interest only payments for XXXX  months, but in doing that. I would lose the XXXX XXXX discount for autopay ; this would make the payment close to the same except XXXX would go to principal. Inflation is hitting everyone extremely hard - this interest rate is currently at XXXX XXXX ( variable ). Any time I try and refinance anywhere else, I cant get approved without a co-signer because this balance has increased substantially compared to the amount initially borrowed. My co-signer was just approved for total and permanent XXXX so he is being released from Navient, but I cant get a loan anywhere else. This is the absolute biggest trap/scam. Enjoy all the interest youre pocketing on the XXXX set right now, while Americans are suffering. They are making repayment next to impossible if you still want to be able to feed your families.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-19 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: CA

Complaint narrative:
Claims I was late on payment in XXXX. I have never been late

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 2023-01-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I used the Chase XXXX XXXX program to book a round-trip flight for {$1700.00} on XX/XX/XXXX, leaving on XX/XX/XXXX and returning on XX/XX/XXXX. On XX/XX/XXXX, I called Chase to have the outbound flight changed to XX/XX/XXXX, and was charged {$1900.00} for the fare difference plus change fee. 

Upon arriving at the airport and trying to check-in, I was informed that my ticket was cancelled. I had to purchase the same ticket directly from the airline last-minute for an additional {$10000.00}, which I paid for using the same Chase credit card which I used to book the flight previously, assuming that this was an error on Chase 's XXXX and that I would be reimbursed for the additional cost of re-booking the flight last minute. 

I called Chase XXXX XXXX  customer service twice on XX/XX/XXXX, explained my issue, was put on hold and ultimately hung-up on with no resolution. I called twice again on XX/XX/XXXX, and spoke to a customer service representative who verified that this cancellation was an error on Chase 's end, that I would be reimbursed for the {$10000.00}, and that my return flight was not also accidentally cancelled. 

I called on XX/XX/XXXX to verify the status of the reimbursement, and double-check the validity of my return ticket to avoid the same issue since I was unable to check-in online, and because my trip was showing up as cancelled on Chase XXXX XXXX  website. The customer service representative confirmed that my reimbursement request was approved and that it would take XXXX billing cycles to show up, and that my return ticket was likely still valid. The representative proceeded to inquire with the airline directly, and promised to email me the confirmation of my return ticket, but did not do so. 

I called again on XX/XX/XXXX to once again confirm the validity of my return ticket, at which point I was informed that the return ticket was cancelled. I proceeded to book the return flight directly with the airline for an additional {$3300.00}, using the same credit card. 

On XX/XX/XXXX, I called again to get the {$3300.00} reimbursed as well. After being hung-up on the first time, the second time I was informed that they were unable to reimburse this amount, and that this time they were unable to verify the status of my original reimbursement. At further insistence, I was informed that they would escalate this to the accounting department, but with no way to track the request and an estiamted callback date that was after the billing cycle during which the payment would be due.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Credit Karma, LLC
State: KY

Complaint narrative:
I I can't access my XXXX XXXX because it has an old phone number and I can't and I can't fix it for my new number XXXX XXXX

Company response to consumer: Closed with explanation