vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-11 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: OR

Complaint narrative:
MOHELA changed my payment amount to the wrong amount, after a previous ( successful ) resolution to a CFPB complaint about the amount being incorrect. 

My payment should be {$58.00}. My account was updated to this amount and it's been correct until today ( XX/XX/XXXX ). Last week ( XXXX ) I received a letter from MOHELA stating that my payment will be {$58.00} until XX/XX/XXXX. This letter was sent in response to the original complaint filed with CFPB. Today I logged on to my account and the payment has been increased to {$150.00}. There was no explanation or notice given, and my payments are set to resume in a few weeks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.

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 2023-12-11 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: SC

Complaint narrative:
Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
Per Family Educational Rights and Privacy Act my student loan payment history is not suppose to be reported to any 3rd party and it has. I also have not got any disclosure per each reporting for me to opt out of the reporting per 15 USC 6802. Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802.

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 2023-12-11 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: Kikoff Inc.
State: GA

Complaint narrative:
The account in question violates my rights as a consumer and pursuant to the Fair Credit Reporting Act ( FCRA ) as a federally protected consumer, I am now opting out of any and all authorization I the consumer may have given you written, unwritten, verbal and non-verbal pursuant to 15 U.S. Code 6801 6805 effective immediately and indefinitely. In addition to said legal authority, this entity has failed to comply with 16 CFR 313.4 313.9 and is currently in violation of said legal authority. Ive attached a copy of the Privacy Act of 1974 to clarify any confusion as to my rights as a federally protected consumer concerning this matter. I am also prepared in addition to enforcement warranted by the CFPB, to file suit in the proper jurisdiction to enforce my rights where this complaint will serve as evidentiary documentation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: CA

Complaint narrative:
Please remove these unauthorized inquiries.

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 2023-12-11 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/2023 I deposited a loan check for XXXX $ from XXXX XXXX XXXX from my retirement 401 K. Into Wells Fargo Bank account at an atm. It was cleared on XX/XX/2023 for the funds to be used. Wells Fargo put a hold on my loan check for atleast 9 to 10 days without giving me any type of explanation. I spoke with XXXX XXXX XXXX and they indicated that they had a reference number stating that the check was cleared to go to the bank to get my funds released. I went to Wells Fargo bank even spoke to a supervisor about it and they just said that they couldnt help me out in releasing my money to me. This loan is an emergency that I needed to take out in order to pay bills I needed to pay because I was in the hospital without pay. Somehow they didnt really cared about what excuse I had for them to release my funds. They just told me to wait until the hold was over fro the funds in 10 days that there was nothing they or I could do even though the check was cleared on XX/XX/2023 and funds were available to use. I believe I have been abused for either racism or stereo typed for my name, culture, race. It is unbelievable how a XXXX military veteran that has served his country has to go through this type of treatment with this company. I am extremely disappointed and will no longer be any part of this company as soon as I can get my funds available. I have been a big contributor and long years member for Wells Fargo bank. I just hope this nonsense can be stopped with this bank and other customers do not have to go through the same thing my whole family has been through thanks to them.

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 2023-12-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CONTRACT CALLERS INC
State: TX

Complaint narrative:
To Whom It May Concern : This is in response to CFPB Complaint number XXXX. 
Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt. This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you. At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: KY

Complaint narrative:
My bank debit card was stolen last night. I contacted my bank and they told me that over {$500.00} was taken out through cash app. Thats all my bank could see. I contacted Cash App and they told me that, since there is no transactions of it in my account, that XXXX XXXX stole my debit card and hooked it up to their own Cash App account. I asked why didnt it flag the name being different? Why didnt it ask them to verify the ATM pin linked to my car. Even the gas station verifies pins at the tank. Over {$300.00} stolen in my state is a felony. So these people committed a felony and currently has my debit card. And they wont even tell me who currently has MY debit card linked to their account so I can tell the police. I asked to speak to a supervisor because this is about illegal activity and doesnt follow their usual standards, and they told me that no manager was available. So I told them I would continue to wait on hold until one is available to talk to. And she said that is not an option that they will email me. I asked for a time estimate as this is important to me. She said there is no time estimate. It could be somebody I know stealing money from me, they could be putting me in a dangerous situation withholding this information about a literal felon, that probably is an experienced scammer, and knows that cash app doesnt help with fraud much at all so he or she probably knows to steal cards and hook them up to their own account and its still doing it out here today because they havent been caught because of cash app. They dont even care enough about their customers to even make them verify what card is being put on to their account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is completely unjustified that I have consistently made timely payments for this account and have never been overdue. I kindly ask that you rectify my account to accurately reflect this.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to address my concerns regarding my recent purchase of a bed from XXXX XXXX  using my Apple Card. On XX/XX/XXXX, I placed an order for a bed with the order number # XXXX. In order to have the option to return the bed if I was not satisfied, I opted to purchase additional items, bringing my total to {$1800.00}. 

However, upon receiving the bed, I was extremely disappointed to find that it did not match the description provided. Specifically, it was advertised as a cooling bed, which was not the case. I promptly contacted XXXX XXXX and Apple Card to discuss the issue and was informed that I could return the bed. However, I was also informed that XXXX XXXX does not arrange for pick-up and suggested that I donate the bed instead. 

On XX/XX/XXXX, XXXX XXXX offered me an alternative solution. They proposed that I could keep the mattress and only pay {$380.00}, with the understanding that I would donate it. In an effort to comply with this arrangement, I carefully packed the mattress back into its original box using rope and tape. 

However, when I informed XXXX XXXX about the steps I had taken, I was informed that I had violated your policy by not removing the bed from the box and therefore, I would not be able to return it. I strongly believe that this accusation is unfounded and a result of a misinterpretation of my communication. It seems that this may be a recurring issue, as I have come across similar complaints from other customers. 

Since XX/XX/XXXX, I have been in constant communication with Apple Card/Goldman Sachs regarding this matter. I have provided hard copies of documents to Goldman Sachs Apple Card through certified mail, and I have sent numerous text messages and emails to Goldman Sachs, expressing my concerns. Despite my efforts, the issue has repeatedly been put into dispute, only to be placed back on my credit card by Goldman Sachs. 

Throughout this process, I have not received a single phone call from Apple Cards Services company or any party involved, inquiring about the facts of the situation. I feel trapped in a deceptive game orchestrated by XXXX XXXX, and I am at a loss as to what steps to take next. It is particularly disheartening that Goldman Sachs Apple Card, who I have always regarded highly, has not been of any assistance in resolving this matter. Their lack of support and failure to stand by their customers is truly disappointing. 

I kindly request that you address this issue promptly and provide a resolution that is fair and satisfactory. I have always been diligent in ensuring that my credit cards do not accrue interest, and I would appreciate your cooperation in rectifying this situation. 

I look forward to your prompt response and a resolution to this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
I opened an Account with fifth third bank on XXXX XXXX. I tried to change my direct deposit to the new bank account. My payroll department had not yet verified the bank by the date my payroll check should have been released so I received a " Live Check '' I went to the branch located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, FL XXXX. The check amount was XXXX. I spoke with a teller, whom was extremely rude to begin with. She proceeded to deposit the check without informing me that there policy states that new deposits are subject to a hold. Had I been informed I would have taken the check to The issuing bank and cashed it. Now after speaking with the branch manager he informed me that the hold will not be removed until XX/XX/23. I was under the impression that Federal law states that XXXX should be released on the account within 24 hrs. until the hold is released. I am not able to access said funds still. I spoke with XXXX who is a supervisor at the customer service center. She informed me that funds should be available Saturday XX/XX/23 and they have no way of accessing the XXXX. I was under the impression that with payroll checks this is FEDERAL LAW. I am now in a situation where my bills are being paid late, which I never do. All of this due to " Confidential Information that check may not be paid '' I have never cashed or deposited a bad check. I Am reporting this because I do not feel like this situation was handled correctly, or with myself as a consumer at heart. I will be looking into legal action for coverage of the loan i had to take to pay my bills on time before accruing late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I am a victim of identity theft and have made this clear to this company. 

I sent the first letter to them on XX/XX/2023, letting them know I am a victim of identity theft and that 5 accounts were opened in my name. I went on to ask them to validate the accounts and remove them if they couldn't. 

I sent the second letter to them on XX/XX/2023, letting them know that I know they have 30 days to verify the disputed accounts and that I hadn't heard from them yet. 

I am sending the third letter to them today, XX/XX/2023, letting them know that I still have not heard from them and that further action will be taken if they do not uphold the law in this matter. I told them that I fully intend to pursue litigation in accordance with the FCRA. 

I am sending the fourth letter on XX/XX/2023, notifying them of my final written offer of settlement before litigation as my attempt to resolve their continued violation of the FCRA regarding their refusal to delete unverified information from my consumer profile. I informed them that I intend to seek relief and monetary damages under FCRA section 616 and section 617, being that it has now been over 30 days with no verification results from them. 

I have also filed an Identity Theft Report with the Federal Trade Commission regarding this matter. 

At this point, I can not confirm that they have done a single thing to protect me and my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I DO NOT RECOGNIZE THE NEXT INQUIRIES : XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU TRANSUNION XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX CARD DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX XXXX DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX  XXXX XXXX INQUIRY XX/XX/XXXX CREDIT BUREAU XXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXXXXXX XXXX DATE OF XXXX XX/XX/XXXX CREDIT BUREAU XXXX XXXX  DATE OF XXXX XX/XX/XXXX CREDIT BUREAU 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 2023-12-11 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I DO NOT RECOGNIZE THE NEXT 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 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 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 EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX XXXX XXXX XXXX XXXX XXXX XXXX XXXX EQUIFAX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-11 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX, Experian, XXXX and XXXX XXXX Is reporting a bankruptcy on my credit report and they have put in the data furnisher as the US BANKRUPTCY COURT FOR THE XXXX XXXX OF MICHIGAN of which is false. I have attached a letter from the Bankruptcy court of verifying and stating that they do not furnish information over to the credit bureaus or any credit monitoring service nor do they verify validate any information concerning bankruptcies. XXXX, Experian, XXXX and XXXX XXXX Is falsely stating on my credit report and have yet to remove this from my credit report.

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 2023-12-11 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AXOS FINANCIAL, INC.
State: CA

Complaint narrative:
This complaint is against Axos Bank in California. I received an XX/XX/XXXX statement and it had incorrect information on it. Stated that I have a prepayment penalty, which I do not have on my loan terms. I called Axos Bank twice ( XX/XX/XXXX and XX/XX/XXXX ) and asked for a corrected copy, which I finally received. 
The next two months statements were correct, but the XXXX statement once again has the prepayment penalty listed. I called the bank again on XX/XX/XXXX and XXXX telling them that I want a corrected copy of my statement. On the last call, XXXX gave me a case # XXXX. I have not heard anything since that time. 
My concern is that if I let them continue to state that I have a prepayment penalty, then I am allowing it and setting precedence for them to charge me fees when I pay off my loan or make early payments. I will NOT allow them to charge me penalties. 
Also, my bills are not arriving in a timely manner. The XXXX bill arrived on XXXX XXXX.

Company response to consumer: Closed with explanation