vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-31 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: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
The bank gave me the wrong email to send proof of payment by another method when I disputed a charge by XXXX  that made a charge to my debit card that I did not authorize. I requested the bank expedite the reversing of a debit because they said they did not receive proof. The bank refused to expedite the reversal which caused my account to be overdrawn and will cause a financial hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 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: CA

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. 

Account name : XXXX  XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, has violated my rights.

1

5 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 2023-01-31 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: CA

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. 

Account name : XXXX  XXXX and account # XXXX, Account name : XXXX XXXX  and account # XXXX, Account name : XXXX and account # XXXX, Account name : XXXX XXXX  and account # 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 explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
Paypal all the sudden changed its policy to put a hold on my incoming funds if it is over {$1000.00} in a rolling 30 day period. they said they can hold my money for up to 21days without any interest even.. This is XXXX Paypal has never done this before and this is completely inappropriate. They are i believe illegally holding consumers money for no reason. they have never done this before and i want my account put back to the old way with no holds on my incoming funds.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXXaccount number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : XXXX. XXXX account number : XXXX Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Maximus Federal Services, Inc.
State: CO

Complaint narrative:
WHERE DO I START. 

Back around XXXX of 2022 they switched loan servicers for my student loans. I was originally with Fed Loans then switched to XXXX. The switch happened earlier that expected as I was planning on making my last payment on my student loans before XXXX hit. However by the time I logged in to do so, they had already turned off the ability to make a payment. Keep in mind this payment was my last payment of {$1800.00}. I tried to figure out who my new servicer was & continued to get the ring around until I finally got a letter in the mail on XX/XX/2022 that informed my my balance was {$3600.00}. I immediately went into freak out mode and started calling around to get this solved. XXXX told me I would have to contact Fed Loans so I did. Everytime I called FedLoans I would continue to get hang up on. ( to this day I am not sure why ) I calledevery day until someone claimed that I would have to call XXXX & prove it with the payment history. XXXX informed me they would send me a copy of my payment history in which they did. I compared it to all of my bank statements and proved where they went wrong. The manager I proved it to, stated that he too agreed with what went wrong and pointed out that the new balance was exactly doubled what I claimed my last payment was. I also showed him my payment history & explained that I was having a really hard time talking to anyone at Fed Loan. He assured me that he would take it up the ladder and have his assistant call me to provide me with an update every so often. He held true to this and his assistant called me a few times throughout XXXX. The last update I had from the assistant was XX/XX/2022 stating that they have reached out to Fed Loans to get an updated payment history that shows the correct payments posted. Since then, I have reached out to both companies and nobody has responded to me. I did just get another bill from XXXX stating my payments are resuming in XXXX with the XXXX being the balance. I have done everything in my power to fix this situation and I am beyond frustrated by it. I feel that they are taking full advantage of their power and using it against me as there are a bunch of penalties involved. If anyone could help me at this point, its you guys. 

Thank you for taking the time to read this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I called customer service to have an item purchased by mistake on my Bank of America credit card cancelled, and they took the liberty of stopping my credit card without my permission. I had spent my own money to customize my credit card and now I can't use it because of their self-righteous decision. I am trying to claim the cost of the XXXX XXXX  XXXX card, but the XXXX direct team is forcing me to call them anyway with the excuse that they need my account number information, when all I need to do is send them a check. ( Of course I have not been reimbursed. ) This attitude by Bank of America has been going on for years and I would like to file a class action lawsuit because I am sure there are others out there who have suffered the same thing.Please instruct them to change their coercive and bureaucratic attitude toward their customers and promptly refund the amount of damage I have suffered, {$160.00}. Thank you in advance.

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 2023-01-31 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:
On XX/XX/XXXX I was sold by a company called XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX. ) They told me that they could redo my XXXX taxes of which I owed approximately {$50000.00} and make it at least twice as much less then the charge they would be charging me for the service. Also, they said they would include my XXXX taxes and would also beat my estimated due of which I told them it was also approx. {$50000.00}. After hearing from them that they guaranteed to save me at least double what I was paying I let them charge my Wells Fargo ATM card. They told me they would have my redo done by XX/XX/XXXX and my new XXXX return by XX/XX/XXXX. XX/XX/XXXX came and went with XXXX XXXX about my redo being done. So, I called them and after many attempts I finally received a call back and she told me they would look into it and get back to me. They called me back a few weeks later and said my redo from XXXX could not save me any money so they were not going to submit a new XXXX redo to me. But, she said they would have my XXXX return done in a few weeks. I explained that I had paid for the redo and the new XXXX returns. She said they would work something out with me but to wait till the XXXX return was done. a few weeks later the XXXX return was emailed to me. when I looked at it it showed I owed approx. {$51000.00}. More then what XXXX XXXX  had already told me it would be. I told them this was unacceptable and they were committing fraud. She then tells me they would do my XXXX taxes for me and do their best to make it as low as possible. I said NO! I want a complete refund since they did not give me what I was promised and I would not do business with fraudsters. She said she might be able to get some of my payment credited back but not all. I said that I would tell my bank and have the amount chargedback. Wells Fargo XXXX XXXX Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NC XXXX XXXX # XXXX. ) said they would submit a claim. After many questions they sent a chargeback to the company. After many months Wells Fargo says I had agreed to the purchase and case was over. I wrote them back letting them know I never disputed making the purchase. I was disputing that I was ripped off and not received what they had agreed to give me. Wells Fargo has since charged my account the {$3200.00}. I was scammed and duped into paying this company for something they could not do and know I am entitled to a XXXX XXXX. Please HELP!! 
Thanks, 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 2023-01-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC.
State: OH

Complaint narrative:
NAVIENT NOT UPHOLDING SETTLEMENT - reporting the account on borrower and co-signer credit reports and did not pay back payments made post XX/XX/XXXX in defiance of the XXXX XXXX XXXX Pennsylvania, Consent Judgement and Order dated XX/XX/XXXX. 

My XXXX XXXX  loan ( $ XXXX ) was co-signed in XXXX by my sister, XXXX XXXX XXXX ) XXXX. Sometime last year, the loan ( > $ XXXX ) disappeared from my Navient account and my credit report. I never received any notification or refund of payments made after XX/XX/XXXX. As of XX/XX/XXXX, the loan is appearing on my XXXX credit report as not past due and closed. In the past few months, my sister/co-signer has been receiving collection calls on the loan and is being told she is responsible, I filed bankruptcy, and Navient has not been sued- All lies stated on a collection call. 

I called on XX/XX/XXXX and requested a copy of the letter they were supposed to send to me indicating the account was paid. I was told the letter would be to me no later than the XXXX or XXXX. As of today, I have not received the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: NV

Complaint narrative:
My personal information was stolen in XXXX, since then Ive been seeing unauthorized accounts. In accordance with the Fair CreditReporting Act CXXXX  Account # XXXX XXXX XXXX has violated my consumer rights by reporting fraudulent information across my XXXX, XXXX and Equifax consumer credit bureaus. I would like the following fraudulent account removed from my credit report immediately. 

XXXX XXXX XXXX XX/XX/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 an account without my handwritten instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IL

Complaint narrative:
Dear USAA, my name is XXXX XXXX XXXX. I am a victim of identity theft. In 2012, I lived in XXXX XXXX and my personal information was compromised. Someone opened or tried to establish a relationship with the institution without my consent. I did not authorize this action. When I did try to start an account with the institution I was informed of this situation. There is a notice on my profile not to open any accounts in my name. I would like for that restriction to be lifted. My social is XXXX. I also recently filed for bankruptcy. As a safety precaution, I listed USAA as a debt. I will include the bankruptcy filing. Also I will include the police report and my ID and social.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am a victim of identity theft and I have reviewed my credit report and found fraudulent accounts and inquiries. I contact both the XXXXccount number : XXXX, and credit bureau to resolve the matter and it has not been resolved or removed from my credit file. 

Below are the account that was not authorized by me : XXXX. XXXX  account number : XXXX Inquires : XXXX. XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-01-31 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MS

Complaint narrative:
I saw on my credit report that a charge from Usaa was showing as a charge off on my account. I did not open this fraudulent account with Usaa. Ive reached out to them several times and was informed they can not assist with this inaccurate fraudulent information showing and they apologize. This has been on reporting fraudulently since 2017 and I have been going back and forth with Usaa and the credit bureau to get this handled. A police report was filed for this identity theft

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
I have taken pictures of the last XXXX statements Ive received and I have noticed theres a significant amount of increase! I dont know if this increase is correct and XXXX asking consumer financial protection bureau XXXX take a look into my increase and see if its correct because XXXX having a very hard time paying my mortgage! If the increase is correct, I will have to pay my mortgage but if the increase is not correct the bank should be held liable for their mistake. XXXX also afraid I will lose my home due to this increase. Please take a look. Attached are the statements as follows : XXXX of XXXX, XXXX of XXXX and XXXX of XXXX Thank you!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
Hello, I opened the Citibank Priority account on XX/XX/2023, seeing the earn up to {$2000.00} bonus offer ( attached ). My account was opened, and I received the debit card in mail. A few days later, there was a hold on my account and upon calling I was told that the account would be closed, and you will receive a letter in the mail. I received the letter in the mail ( File number XXXX ) and the only reason mentioned in the letter is unable to verify information. I called Citibanks fraud department, and I was told that XXXX has specified that my Social Security number is not issued. This is a very bizarre reason, because I have XXXX profile, I receive their credit report every month, I have few credit cards, a current mortgage with XXXXXXXX XXXX  etc ( credit report attached ). I tried to convey the same to the Citis representative over the phone, but she had no other reason or explanation.

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 2023-01-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023, I received a notification from Chase bank that a new wallet account was successfully set up ; I did no such thing, so I immediately logged on and saw XXXX pending charges ( in XXXX no less ) that totalled {$4500.00}, so I immediately called the bank to report the fraud. It was the same day, and Chase set up an investigation. I have never withdrawn money from my account so egregiously. They credited my account, but then concluded that I authorized these charges. They then took back the money, including exchange rate fees, and overdraft fees. My account stands at a negative balance and Chase is threatening to report this to XXXX or more reporting agencies. 
I have spoken to supervisors, filed identify theft report, a police report, and am waiting a second investigation. However, I've had to open new accounts elsewhere, totally disrupt my life, and take XXXX in order to deal with what seemed to me to be a fairly obvious appropriation of my debit card. 
It's going on XXXX month of this back and forth with Chase. I've been with them for over 10 years and a quick review of my accounts would reveal that I've never spent money so frivolously or put myself in such jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-01-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Shellpoint Partners, LLC
State: AZ

Complaint narrative:
My husband and I purchased a home in 2019, he passed away, I was making pmts on time. I contracted XXXX late XXXX of XXXX and went on Forebarence plan. After I was ready to resume pmts was told loan was sold to Shellpoint mtg. I called to ask them if I can resume pmts, they said no, my file was not ready yet so hold off. then after a lot of calls, they told me I need to apply for a " assumption modification '' and 5 months later still not in underwriting, Im in forcloseure.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31 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: NV

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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. The following Accounts : 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

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 2023-01-31 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: EQUIFAX, INC.
State: PA

Complaint narrative:
I have been noticing suspect emails and activity on my credit report and bank accounts. I was exposed in several data breaches that resulted in my personal information being taken by scammers. I am now positive that someone has been using my information to open accounts and or make changes to existing accounts. After reviewing my report I noticed several fraudulent accounts.

Company response to consumer: Closed with explanation