vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to XXXX XXXX TransUnion XXXX, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to TransUnion with a copy of the police report attached and asked to remove these accounts immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-17 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: MO

Complaint narrative:
Ive recently checked my credit report and noticed some unauthorized inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: NJ

Complaint narrative:
On XX/XX/XXXX at XXXX my credit karma spend account was frozen with my tax refund in it. I called credit karmas number on the back of my card the entire day and everybody I spoke to could not tell me why. They are still holding my money without explanation. They send an email about contacting support on the phone yet support on the phone just tells u to look out for an email. Then they say they dont have access to that information. Ive called the owner of the company which is XXXX and they tell me to call credit karma. I call their supportive bank on my card which is XXXX XXXX  and they tell me the same thing. I call the fraud department and they said my card isnt locked but they have no access to anything else. They all give the run around with no explanation to why my account was frozen with my funds nor what to do nor when it will unfreeze. Every transaction on my account was made by me. Ive even verified all transactions then they say my card is not blocked anymore but when I go to take my money out my account is still frozen. I look at reviews and dozens of people are having the same issue with this company freezing and stealing their tax refund deposits. I just want my money. They will not even close my account because I have money in it yet will not give me access to my money. There is absolutely no reason for this. Further more I have my state refund set to come in here as well and will still have no access to my funds. Ive contacted every bureau or company I can think of and I am not receiving any explanation nor any help with this problem. I can not believe that XXXX XXXX supports and recommends this company to use for receiving tax refunds. I was a loyal customer for 6 years and now will never again use XXXX XXXX credit karma nor any other company owned by XXXX and I recommend everyone else to do the same.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
On XX/XX/24, I submitted my annual income recertification for my IDR plan. Shortly after, the status on studentaid.gov changed to Complete with a note that my servicer would select the best plan and finish the application. 

On XX/XX/24, MOHELA sent a letter stating they are experiencing delays in responding to correspondence, and to expect a response time of 90 business days ( 4 calendar months ). 

On XX/XX/24, I contacted MOHELA by phone to check on the status of my application, as it still had not been processed and my payment due date was approaching. MOHELA assured me they would expedite the review, and to expect it to be resolved within three weeks. My payment due date was pushed out to XX/XX/24. 

On XX/XX/24, I contacted MOHELA by phone again, as I had seen no progress on my application, and my new due date was approaching. This time, I told MOHELA I intended to stay on the phone as long as required for them to fix the issue. This resulted in being transferred to a supervisor. While on the phone, this individual pulled up my IDR application and processed it while I was on the phone with them. After a few minutes, they informed me of my new payment amount, which did not match what I had seen from the payment calculator tool on studentaid.gov. When I pointed this out, the individual admitted to not having entered the information exactly as submitted, but having made assumptions about my tax filing status and family size. I asked the individual to input the information exactly as I had submitted, which they did immediately. I was then told everything was complete, and to expect my account to update online within XXXX hours. This turned out to not be the case. 

I am writing this complaint on XX/XX/24. The application still has not been processed by MOHELA. My payment amount is still incorrect and not reflective of my IDR and updated income, and my payment due date is approaching in two weeks. I am concerned that because my repayment has been delayed so significantly by MOHELA, I am not able to make qualifying payments towards PSLF.

Thank you in advance for any help you can provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
This Complaint is against Wells Fargo Bank, and their mismanagement of Customer 's Monies. However, this complaint will focus on one item specifically, which is online access to accounts. It seems as if I have something put in place with Wells Fargo, the identity thieves have enough of my Personal Info., due to a XXXX XXXX XXXXXXXX XXXX XXXX XXXX to pass the Wells Fargo authentication process, and to have it undone. As in the past, the identity thieves had my online access restarted, and my accounts deactivated after I had everything deactivated and disabled. The only way that I can get anything accomplished with Wells Fargo is to file Complaints and put on record. So for the record, to Wells Fargo, DO NOT ALLOW ONLINE ACCESS TO MY ACCOUNTS UNTIL THIS ENTIRE SITUATION IS FULLY RESOLVED!!! PLEASE. So everything must be completed by going into a Wells Fargo branch with my ID, or a lawyer written and validated Power of Attorney.

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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
I would like Bank of America to make it easy to set up Autopay on their credit cards. I have a lot of accounts withn Bank of America ( and I appreciate these accounts ) and with other Banks. For all other credit cards you open the credit card online, and can easily select make a payment or set up autopay for what you want. 

Bank of America uses a very complex system to set up autopay for credit cards which are used to confuse consumers and cause them to miss payments ... resulting in fees and interest. There was at least XXXX lawsuit regarding this and it is now time for Bank of America to stop this deceptive practice. In order to autopay... you have to go to the bill pay site, put in the entire credit card account number ( which B of A already knows ) and select request ebills... then you have to wait for the ebill which can take a week or 2, and remember to go back to Bill Pay and set up Autopay to be sure you arent " missing payments. This is completely outright deception... I sent this similar complaint several years ago. Many people have trouble with this system ... and it should not be used for bank of america credit cards... the autopay should be easy to set up ... and able to be set up all at once like all other reputable credit cards. 

Recently I sent the following comments in the feedback section. 

Complaint send to Bank of America through share your feedback on XX/XX/2024 " Hi, please fix this issue or I will be sending an complaint to the CFBP. I have send feedback about this issue before. I am a longstanding Bank of America customer and I appreciate the assistance Bank of America has given me, but I feel that the Bank continues to deceptive practices to make it difficult to pay credit card and loans. Using the Bill Pay for Bank of America credit cards and loans is very laborious and not straightforward, including having to request and ebill ... from the bank where you already have a credit card account ..... Please fix this issue by making setting up autopay on Bank of America cards easier by : When you click on your credit card account, you can go directly to payment and set up autopay for various amounts including minimum amount on the due date ( not having to specify the date, but on the due date ) .... Making it difficult to set up autopay ( which it should not be ) can cause undue fees and interest for customers. Please fix this.. I will be filling with CFPB if this issue is not addressed in a timely manner. Loyal customer, 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 2024-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had my Amazon credit card for almost 2 years. This was provided to me by J.P Morgan. Never had I been late and I have always made all my payments on time as they were automated. Recently about a Month ago I was contacted and told my Account would be closing. The only reason was due to " Unexpected Activities ''. I called asking for an explanation and was transferred numerous times without an answer. This account closure damages my legnth of credit history/ age, my credit usage, and overall credit. Unacceptable.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
A hard inquiry from Wayfair Store Credit Card appeared on my XXXX credit report yesterday. I did not apply for a credit card from this company, or any company for that matter, and would like it 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 2024-03-17 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On Friday, XX/XX/2024 someone logged in my account and made a purchase on XXXX of {$1200.00}. This is the second time someone logs in my account and makes an unauthorized purchase. PayPal doesnt seem to do anything about it. I have changed my password multiple times and it keeps happening. I want PayPal to refund the unauthorized transaction and as soon as Im done paying off my balance, I will close my 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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Source Receivables Management LLC
State: PA

Complaint narrative:
Source Receivable Management, LLC obtained my consumer report under false pretenses without a permissible purpose as required under the Fair Credit Reporting Act. I tried to resolve this issue privately without further legal action by offering a settlement demand in exchange for no further legal action to enforce my consumer rights. I would like to offer this final chance in good faith to resolve this issue. See attached complaint ( draft ) in which I intend to file in Federal Court if we can not reach settlement within 7 days upon receipt of this notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MN

Complaint narrative:
At some point I may have had a collection with sprint but its been years since then and it was paid and closed. Now I checked my credit report and it has XXXX collection from Jefferson Capital system for XXXX and have no recollection of debt. Opened date is saying XX/XX/2023 original creditor XXXX XXXX. I did some research and found XXXX of reviews stating the same thing. This company is opening collections years later thinking consumers wont see it. This collection agency is shady and Im just trying to work on my credit. I just looked at all of my closed accounts in the past and none of them are sprint so Im assuming this could just be identity theft but this company sounds shady.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
XXXX re-opened Best Buy credit card to purchase 2 appliances - purchase total {$1800.00}. I did not receive a new card in the mail. 
XXXX received 3 calls from Best Buy Fraud Dept asking if I had authorized new charges on the card. Explained I did not have a card yet and NO - I did not make any additional charges. The 3rd call from Best Buy Fraud Dept was for an electronics dept charge of {$740.00} - I said I did NOT make this purchase. I also cancelled the original appliance purchase of {$1800.00}. No proof of cancellation was sent to me. 
XXXX contacted Best Buy Fraud Dept to open a fraud case to investigate {$740.00} fraud charge. Cancelled the credit card - Fraud Dept said it would take 60-90 days to investigate - case # XXXX. I was told I would receive a letter confirming the " investigation ''. No letter was received. 
XXXX follow up to Best Buy Fraud Dept. no action - no correspondence. 
XXXX follow up to Best Buy Fraud Dept. no action - no correspondence. 
XXXX received statement from Citi Bank Card Services- past due charges {$300.00} + XXXX contacted XXXX XXXX ( TX Law Firm ) - they sent certified letters to Best Buy & Citi Card Svs no response. They were told they can not work with 3rd parties to claims. 
XXXX XXXX XXXX sent certified letters to Credit Reporting Agencies explaining the Best Buy Fraud I'm XXXX years old and had an excellent credit rating of XXXX - now my score is below XXXX & all my lines of credit have been reduced. My auto insurance ( based on credit score ) has increased & I am unable to qualify for " best rate '' from my lender to purchase a new car.

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 2024-03-17 00:00:00
Product: Credit card — Store credit card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
I am so tired of all the credit card company checking my credit without my permission and then want to regulate what I am doing with my other creditors as long as I am paying my bills to you synchrony you no right to close my account and if you are going to close an account why don't you pay the freaking bill since you decided to close it when I wasn't using it you sent email after email to begging me to buy something so I did and then you decided to take away my credit because you were meddling in my personal business. It these creditors should not have the right to base their decision on some they have no business looking at anyway if I didn't ask for and increase of credit. And my bills are being paid with all my credits I don't ever want to do business with you all ever again you cam close all the cards I have with you. And pay the freaking bill I can give your merchandise back and anyway the XXXX credit card your are closing the store is closing also they are going out of business.

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 2024-03-17 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: TX

Complaint narrative:
I am unaware of this debt. I didn't have an opportunity to access or dispute this information, if in fact you believe you gave me proper written notification then please send me a certified mail return receipt with my signature and name on it. If you can not produce these documentations, I am requesting immediate deletion from my credit file. 
Furthermore you are in violation of 12 CFR 100.34 ( A ) ( 1iB )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

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 2024-03-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Netspend Corporation
State: KY

Complaint narrative:
On XX/XX/2024, i loaded {$500.00} on to my card. 

I paid three bills, then about a half of an hour later went to use my card, and it would not work. 

I called their number and was given the runaround. At first, they said that there was a fraudulent load, and they closed my account, After speaking to the first representative i was told that they would refund the balance by check, but now they say that they returned that balance to the store that I had the money loaded to the card. Now tonight they say that my utility company double charged the card, which is impossible, so now I have more than {$160.00} floating around somewhere, and I don't know how to get this resolved. This is for card ending in XXXX ACCT. ending in 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 2024-03-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: MI

Complaint narrative:
Credit acceptance did not report correct information on my loan and also charged me very high interest rates also I want them to report the loan with in good standing paid in full

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 2024-03-17 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: EQUIFAX, INC.
State: TN

Complaint narrative:
On XX/XX/XXXX, I checked my credit report because I was denied a house and noticed fraudulent activity on my credit report. I immediately went to the local police dept to submit an identity theft report. According to Cushman vs TransUnion 1997, credit reporting agencies are supposed to ensure the maximum possible accuracy. After becoming aware of the fraudulent accounts, I sent a letter out to Equifax with a copy of the police report attached and asked to remove these accounts immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-17 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: NC

Complaint narrative:
I contacted my mortgage company because I received a letter from them regarding a data breach. I wanted more information about it, but they refused to assist me. The name of the company is XXXX, and their website is XXXX XXXX XXXX. Due to this incident, I experienced identity theft. There are inquiries on my Experian credit report that are fraudulent and do not belong to me. I have already filed an FTC report. 

These inquiries are : 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 non-monetary relief