vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or missing disclosures — 
Company: Early Warning Services, LLC
State: NJ

Complaint narrative:
Zelle is a free service provided whereby Zelle provides a user interface for the institution to integrate with. 

The interface is the same for each institution - at least each institution that I use that offers the Zelle product. 

The interface is very confusing- it offers immediate transfers within limits, next day transfers within limits. 

When creating the request to transfer, the limits are stated but the disclosure is confusing. For instance, I needed funds to be transferred immediately. The disclosure did not indicate that the transfer would not occur immediately, until after I initiated the transfer. Then the transfer request result reported, " sent today, available tomorrow ''. Now I needed those funds transferred immediately. My only option now was to pay {$10.00} to reverse the funds and I called the bank ( XXXX in this instance ) and they told me that it take weeks to get the funds back after cancelling and they they could not help me - better to let the transaction go thru. The PROBLEM - because it was not immediately as expected - I now incurred fees at the other institution. If I would have know that this was not going to occur immediately, I would have went to the bank and made a withdraw and a deposit to the other institution. Deceptive. Not efficient. Not customer friendly. I would like my fees paid by ZELLE and XXXX- the bank should have a responsibility to make sure that a product they offer meet certain standards. 

While writing this complaint..XXXX XXXX called and totally did not care about the issue- very condescending. She just said- well it doesn't do that. OMG. What standards are companies- especially banks held to. If they need customers- they don't care to show it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: GA

Complaint narrative:
i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )

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 2022-10-26 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: GA

Complaint narrative:
i am a victim of identity theft. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX have account listed on my credit report that i didn't authorize or consent to open. several requests for my consume report have been made that wasn't authorized ( see attached ftc report under personal statement )

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 2022-10-26 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act. 15 USC 1681i ( a ) ( 1 ) ( A ), Can you reinvestigate the completeness and accuracy of the list of accounts below : Account Name : XXXX XXXX XXXX Account XXXX Account Name : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX XXXX XXXX Account NumberXXXX Account Name : ( Original Creditor : XXXXXXXX XXXX  ) XXXX Account NumberXXXX

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 2022-10-26 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: NJ

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 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 2022-10-26 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: Nelnet, Inc.
State: MI

Complaint narrative:
I want to file a complaint against Great Lakes Loans servicer ( mygreatlakes.org ). I paid on my school loan during the COVID pause even when I didnt have to from XX/XX/XXXX all the way up to early XX/XX/XXXX of this year. I learned in late XXXX of this year that per the Covid CARES Act I could request a refund for the payments I made during that period so I jumped on that ASAP. 

On XX/XX/XXXX I called and requested a refund with Great Lakes Loans. The man l spoke to on the phone told me I was eligible for at least $ XXXX back and he told me my refund should be processed and available in my bank account in about 30-40 days. Once we got off the phone I waited and after that time period had passed I still didnt see any changes on my account with them ( not even a balance update ) so I called again to make sure my refund request went through and this time they told me Id have to wait 60 days. 

As of today ( XX/XX/XXXX ) its been at least 60 days now and I still dont even have a balance update on my account with them. Im losing patience because it doesnt seem like my request is actually getting processed and the White House just released the Student Loan Forgiveness Application ( and Ive been holding off on applying because my student loan account still hasnt been updated ). Online Im seeing a lot of people who applied for a refund with Great Lakes Loans in XXXX and XXXX getting their refunds way earlier than me while Ive been trying to be patient this whole time. Please help me speed up this process with my account so that I can finally apply to the Student Loan Forgiveness program before its too late. Great Lakes Loans customer support has been useless and I dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: ALLY FINANCIAL INC.
State: IL

Complaint narrative:
I opened up this account with ALLY Bank in XX/XX/XXXX. My credit reports are reflecting late payments for XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. 

I worked for XXXX XXXX from XX/XX/XXXX- XX/XX/XXXX surpassing 9 years and due to the pandemic I was laid off with 26 other peers. I called this company and requested that the late payments please be removed as I was struggling to make payments and take care of my family. Prior tomy hardship all payments were made and made on time. The account is current and I am only askiing that they please remove the late payments due to this tremendously negatively hitting my credit score.

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 2022-10-26 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: CITIBANK, N.A.
State: FL

Complaint narrative:
MACYS/CITIBANK, N.A. Company you are furnishing inaccurate and incorrect information to the consumer reporting agencies. Monthly Payment, Terms, Credit Limit, Past Due, Date of Last Payment and Activity, and Last Reported Date is different across XXXX, XXXX and XXXX, Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account is clearly in violation for not reporting 100 % accurate. Also, Under 15 USC 1681 s-2 Says you MACYS/CITIBANK, N.A. company is a furnisher of information to a consumer reporting agency. You are the only data furnisher yet different information is reported. 

Under 15 U.S. Code 1681e ( b ) ( b ) ACCURACY OF REPORT Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual to whom the report relates.

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 2022-10-26 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: DISCOVER BANK
State: FL

Complaint narrative:
XX/XX/2022 tried to resolve with Discover and XXXX XXXX same item, unauthorized charge! XXXX XXXX investigated and reversed the charge balance XXXX. Discover at my request dropped charge, after the claim investigation, but kept adding charge back XXXX, 2022 to present XX/XX/2022. Now they are adding fees of {$29.00}! 
Discover card cancelled by me XX/XX/2022. Every month I get a statement with an account number ending # XXXX. I opened a survey XXXX which turned out to be a scam! Original charge was {$54.00} ( approx. ) now it totals {$85.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Affirm Holdings, Inc
State: NC

Complaint narrative:
So I wanted to buy a service of private coaching with this affiliate marketing company. They suggested to make a loan application with affirm to finance the cost. At first, I accepted on XX/XX/XXXX around XXXX I verbally told the vendor ( XXXX XXXX ) yes, I want your product, so I did an application with affirm. the loan was approved. The next day when I got the electronic documents to sign for the service, I changed my mind informed the sales agent, XXXX customer support that i didnt want the service. I didnt sign the agreement for service ( i have emails and text msg that show our communications ). I called affirm at XXXXXXXX XXXX to stop this transaction within XXXX. The agent said we had to wait for the funds to be collected by the vendor to ask for a refund. I didn't really believe that true so I called again XXXXXXXX XXXX  to double check maybe the agent was misinformed but they confirmed to wait and ask the vendor for the refund. 
At this point, any financial institution should be able to stop a transaction when the customer is asking for it. But I decided to listen to Affirm wait and ask the vendor for a refund. 
A few weeks later, XXXX support finally responds they have a no refund policy. I have looked into their policy and also Affirm has sent me some links and as of today XX/XX/22 the policy doesnt mention PRIVATE COACHING AS NON REFUNDABLE. 
XXXX XXXX does offer other services like commision hero and inner circle that are mentioned in the policy but not PRIVATE COACHING. 
I opened a dispute with affirm after I got this response from XXXX support, my point was simple I never signed an agreement to proceed when the vendor reached me back, I notified them that I no longer needed the product. Affirm kept denying my Dispute saying that the vendor acted within their policies. 

First ( XXXX support ) Their policies do not mention private coaching as non-refundable, second I called affirm to cancel the loan and the transaction within reasonable time. I find myself in an ordeal because Affirm doesnt listen. Didnt listen when I called to stop the transaction and doesnt listen to a customer saying I didnt get a service, I didnt sign for it. How is that fair? Affirm just want me to pay for this loan and wash their hands when this could have been prevented. Affirm does record all their calls for quality assurance so they have the evidence that I called multiple times. 





I have attached : the repeated denial communications with Affirm The communication with the sales agent, the emails the emails with XXXX support Proof that no service was agreed, and they are asking me to approve it so we can schedule the service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
I was charged XXXX from XXXX that I did not authorize. I contacted Chase bank and did a dispute but they denied it. Ive contacted several departments and was told they did a thorough investigation. I asked them how can you do a thorough investigation when I havent had the opportunity to send in evidence. 
They believed XXXX instead of their customer and refused to put the money back in my account. 

Im on a fixed income receiving unemployment. It wouldnt make sense to spend XXXX on a Ad when I only get unemployment and ebt benefits. 

My account is in the negative because of this unauthorized charged. I cant afford cover this charge and now Chase has threatened to close my account soon if I cant get checking account to a positive status. 

Ive called Chase, chase executives, Ive emailed the CEO, submitted a complaint to the XXXX  and still no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
1- Open a High-Yield Savings account with XXXX owned by Webster Bank 2- After a month, interest rates started to go up in other banks but not in this bank 3- Decided to withdraw my funds from Webster on XX/XX/XXXX 4- Setup up external transfer with my regular bank XXXX XXXX XXXX XXXX Checking Account ) 5- Been waiting for two weeks for my transfer to happen but Webster Bank held my funds hostage and asked for a ) Latest bank statement of XXXX XXXX XXXXXXXX and b ) Copy of my Florida Driver 's License. I sent the documentation via their encrypted server ( as requested ) and called them a few times validating they received the documents. 
6- They stated it would take up to 3 days to review/clear/reject the documentation 7- Today, on XX/XX/XXXX, received an email that they " Stopped '' my transfer without any explanation 8- And they also, eliminated my access to my account, the bank log in does not work 9- The transfer is for only {$5000.00} USD, not a large amount and they are holding my funds hostage, please need your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Bank of America, They have not done their due diligence and they refuse to go through their records and recorded lines. They are very rapid and rude. They continue trying to reach me over the phone instead of going through CFPB. It seems that the credit agencies are very biased towards the banks even if the consumer has showed in the banks own email, letterhead and all their logos and information that payments have been made. They are causing damage and being malignant in every which way. I can't spend more time fighting these banks even though I continue making payments. 

They are hurting me and my family. I hope you take this very seriously. 

Bank of America can't continue doing what they are doing. 

Thanks

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 2022-10-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
On XX/XX/2022 Citi Bank XXXX XXXX XXXX XXXX XXXX SD XXXX deducted {$14000.00} from my account to cover bal Tranfer check XXXX made out to XXXX XXXX but then stated the offer expired and interest was at standard APR so I paid {$14000.00} in full XX/XX/2022 to avoid interest. I received new checks valid for bal transfer so I wrote out check XXXX on XX/XX/2022 in the amount of {$14000.00} at zero % interest depositing to my own bank to cover payment I made XX/XX/2022 to Citi Bank in the same amount of {$14000.00} at this point I was notified by XXXX XXXX first check XXXX made out to them was rejected and returned, I called Citi Bank to find out why check XXXX was rejected and was informed check needed to be deposited in my own bank so it was rejected, I then asked why was the funds not still in my bank giving my a {$14000.00} surplus on XX/XX/2022 when payment was made by me and at this point they will not give a straight answer and continue to refuse to return funds for rejected check XXXX in the amount of {$14000.00} back to my account. I have called City Bank several times a week for over a month and every time they tell me to wait or money will be returned in 7 days or just hang up but as of today account still shows balance due in the amount of {$14000.00} plus bal transfer fee of {$720.00}. As soon as Citi Bank rejected honoring check XXXX in the amount of {$14000.00} on XX/XX/2022 and received my payment in the amount of {$14000.00} on XX/XX/2022 account would have surplus in the amount of {$14000.00} so check XXXX in the amount of {$14000.00} on XX/XX/2022 would have been refunding my own money leaving account at zero balance. Citi Bank refuses to correct their error..

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 2022-10-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX Account Number : XXXX 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX  XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.

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 2022-10-26 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act they violated my rights. 
Please delete the following items : XXXX XXXXXXXX Account Number : XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX 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.

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 2022-10-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
XXXX XXXX XXXX  Monthly Mortgage Statement errors XX/XX/2022 through XXXX XXXX  22 Monthly Mortgage Statement Errors Customer Transaction history errors

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation