vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XXXX XXXX bought a loan from XXXX starting XX/XX/202 for our XXXX installation. We have had this loan for about 8 years and never missed a payment. XXXX said they transferred XXXX XXXX payment over to XXXX on XX/XX/XXXX. XXXX has been contacting me since XXXX saying we are late and they never received payment. I sent them bank statement proof through the online portal. They said they don't see it. I have called them at least twice a month from XXXX through XXXX On XX/XX/XXXX XXXX did a 3 way call with them and me and verified payment was received and sent over. They also sent an email that day with accounting proof of payment. My credit score has been tanking recently since they are showing me delinquent over 60 days. There is only one number to call which is customer service. I can not speak to anyone in authority there. They promise someone will call me after every phone call. I have yet to hear from anyone. They are still saying I owe now for XXXX, when they payment was made on XX/XX/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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I contacted TD BANK on XX/XX/1925, and XX/XX/XXXX for help with registering on line. 

They said they needed to set up a profile for me but it was never resolved. 

Spent hours on hold with them and get nowhere.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-10 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: CT

Complaint narrative:
Mohela has been horrid from the start. If you call their number it is 4.3 minutes before you're given the option to speak to a person via their unskippable call menus. When you get there, there's consistently a 90+ min wait to speak to a person. They do not respond via online messages. This is the only option and their " please call me back '' option doesn't give time frames that allow for calls after work hours. They also are unavailable on the weekends. This makes them effectively impossible to communicate with. I have taken 4 days off work to try to fix this issue. It is unresolved. 

In XX/XX/2023 after denying my application for the SAVE plan twice, they put me in administrative forbearance so they could review the 3rd application. This forbearance lasted until XX/XX/XXXX after which I would receive my first bill on the SAVE plan. On XX/XX/XXXX they sent me a bill for {$800.00} which was due on XX/XX/XXXX. I called several times to tell them that i dont have that money as they had told me I was in administrative forbearance until the XXXX and wouldn't owe a payment until 1 month after coming off that forbearance. I spoke to someone after more than 2 hours waiting on the phone. They agreed there had been an error but said they had no way of correcting it unless I was willing to request personal or hardship forbearance ( of which there is a limited and unreplenishable amount ) to take the payment away. I refused, saying this was there problem and I wouldn't use my own resources to fix it. They said they'd " see what they can do '' to fix it. I called back 15 days later and they had no record of me calling before and went through the same conversation again. They refused to let me speak to a supervisor during this call. 

The next month I paid my first payment and they stated I was delinquent {$800.00} and assessed a fee. I told them I had called and that this was their error, and they said I was correct and they would fix the problem- the woman on the phone was very kind. The next month the same issue occurred and no changes had been made on the account. I called again and took the day off work to resolve this. I waited 3 hours for a call back and was told that " you have to wait for changes to take effect ''. The next month, XXXX, i made my regular payment and they AGAIN assessed a fee and said I was now 90 days delinquent for {$800.00}. I flipped out on them, yelled at them, threatened legal action and refused to make further payments until they fixed the problem. In XXXX they had not fixed the problem. I have made my regular payment again. I am considering killing myself because this is too much. I can not manage this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: Early Warning Services, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, Early Warning Services , LLC has violated my Federally protected consumer rights to privacy and confidentiality pursuant to 15 USC 1681. Section 602 A which states that I have a right to privacy. Also, they have violated my rights under The Financial Privacy Act of 1978. This entity also violated 15 U.S. Code 1602. Obligations with respect to disclosures of personal information ( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. It clearly states under 15 USC 1681 section 604 A section 2 that a consumer reporting agency can not furnish an account without my written consent. I have communicated with Early Warning Services , LLC supplying them with the following : Per the FCRA, as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, un-written, verbal, and non-verbal per 15 USC 6802 ( b ). I do not give you permission to access, use nor house my information and any such use is in violation of 18 USC 1028A Aggravated Identity Theft. I was never given the opportunity to agree or rescind that this information be reported to a credit reporting agency nor notification that Early Warning Services had possession of my information.In addition, 12 CFR 1022.3 Definitions Identity theft means a fraud committed or attempted using the identifying information of another person without authorization - F.T.C. Violation. Early Warning Services , LLC is committing identity theft. Which is ILLEGAL. Furthermore ; they are storing PRIVATE banking information in their system which is owned by A PRIVATE TRUST which has the EXCLUSIVE EQUITY of that data. The following violations are being broken by Early Warning Services LLC. 1 ) FCRA and GBLA violations 2 ) Negligent Enablement of identity theft and fraud, 3 ) Willful noncompliance 616 Civil liability for willful noncompliance ( 15 USC S1681n ). The State of Florida laws that are being broken are XXXX XXXX. 
Section XXXX Criminal use of personal identification information XXXX XXXX XXXX Unlawful possession of the personal identification information of another person.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
I often receive the call from the somebody relating to Wells Fargo. On XX/XX/XXXX, I received a call from same number, XXXX ( XXXX XXXX, IA ). I did not mind if there is any discrepancy, and treat these calls as annoying calls ; however, this time the person called himself/herself XXXX, ' even thought the voice was clearly woman 's. Therefore, I would like to inform this issue to your office. The voice script is as follows : ( XX/XX/2024 at XXXX ) Hi this message is for XXXX XXXX this is XXXX with Wells Fargo home mortgage giving you a call to comfirm recipt of your most recent inquiry _____ _______ we expect to respond by XX/XX/XXXX should you have any questions my number is XXXX thank you .... 

I have received from this number many times and wonder why I need to be called by home mortgage person, even though I do not own anything in this country and beyond.

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 2024-02-10 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: NC

Complaint narrative:
I spoke with an Experian Supervisor on or around XX/XX/XXXX at XXXXXXXX XXXX EST. I requested that Experian remove the Non-mailable address of XXXX XXXX XXXX XXXX XXXX from my Consumer report ; I can not receive mail at the above-listed address. The Experian agent refused my request after I informed him he was violating my rights. Experian is willfully reporting inaccurate information, violating my rights, and is non-compliant with the Privacy Act of 1974. XXXX XXXX XXXX and XXXX XXXX XXXX XXXX 's terms and conditions of both Bank 's state that they will not report to a non-third-party affiliate.

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 2024-02-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: Synovus Bank
State: OH

Complaint narrative:
XX/XX/year> I called and asked that every late charge be moved and the XXXX! day be removed. I had dealth in the family. And I just got out the hospital I was told to send a letter and the will do a goodwill deed. 

I truly believe that these late pays doesn't reflect my creditworthiness and commitment to repaying my debts. It would help me immensely if you could give me a second chance and make a goodwill adjustment to remove the late [ payment/payments ] on [ XXXX XXXX XXXX XXXX ]. Im fighting a serious XXXX XXXX see attachment. I want you to know that I understand my financial obligations, and if it werent for circumstances that caused me to miss a payment Id have an excellent repayment record. # XXXX XXXX. Thank you for your consideration, and I hope you'll approve my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: WA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with XXXX, XXXX, and Experian. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX, Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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 2024-02-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: TRUIST FINANCIAL CORPORATION
State: DC

Complaint narrative:
When I went to close my accounts to pay for a downpayment on a house in late XXXX, Truist promised me in person at the branch with two employee witnesses that I didn't need to close the accounts and that they would instead convert me to fee-free no-minimum balance accounts. I was distrusting and they promised me repeatedly they would do this. Instead they charged me a fee and haven't removed it or promised to stop charging me with it. I called Truist customer support as soon as I could ( XX/XX/XXXX ), and they said they would resolve the issue. Just in case, I called the branch two weeks ago ( XX/XX/XXXX ), had to leave a message, and they never called me back. On a third call on XXXX XX/XX/XXXX, Truist customer service acknowledged that my account includes a note that I should not be charged any maintenance fees. They acknowledged that they failed to convert that money market account into something fee free. They also told me they have literally no product without maintenance fees ( without a minimum balance requirement ). Yet, there has been no remedy.

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 2024-02-10 00:00:00
Product: Prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: TX

Complaint narrative:
I received the XXXX XXXX from my employer in the amount of {$900.00}. I tried to use the XXXX XXXX to make a purchase online and the card was declined. Thinking I miss typed, I tried several more times with the same result. I sent an email to the online store asking for assistance in making the purchase, they suggested it was being declined by American Express, not the online store. I reached out to American Express and they said its a security feature and it was protecting me. They said they would allow purchase at the online store but I needed to wait 2 hours, and then try. I waited over 4 hours and it was declined again. I contacted the online store and tried to make the purchase over the phone by giving them the e-gift card information and it was declined again. After talking to other colleagues, they are being declined as well but at a handful of other retailers and big online retailers like XXXX and XXXX. My employer sent an email confirming the issues and suggested we call the customer service and request assistance or refunds. Having gone through this already, I called and requested a refund. They told me they could not refund the e-gift card and that I should just try at other stores. I mentioned it wasnt working at other stores and I asked for a list of store it does work and they could not provide that information and suggested try it at different stores until you find one where it works. I asked for a manager and got transferred. The manager said she could give a refund but I need to provide a bunch of information and signatures and mail it to a random name and address that didnt have American Express in the name. I asked for this refund procedure information in email or letter form so I could follow it properly and they said they could not provide that and they could only give me this information verbally. At this time, American Express has taken payment from my employer and will not allow me to use the money. This is stealing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My wife and I planned, as many do, to downsize our housing as we approach retirement. We moved from our large single-family home to a maintenance free townhouse. Given the hot housing market we decided to buy first and then sell. This process went well. We used our long-standing relationship with Chase bank to secure a temporary mortgage ( {$420000.00} ) to purchase the townhouse while selling our prior home. We were also required to establish an escrow of {$7500.00}, which was understandable. Our plan was to pay this off immediately upon the sale of our prior home. 

We purchased the townhouse on XX/XX/XXXX. No Issues. 

Our house sale took place on XX/XX/2024. The closing was scheduled for XXXXXXXX XXXX and our attorney confirmed its completion at XXXX XXXX. The title company confirmed the wire transfer to our Chase checking account ( {$690000.00} ) and the mortgage on the prior house ( {$150000.00} ) completed by XXXXXXXX XXXX. Neither of these were recorded at Chase until XXXX, XX/XX/XXXX. I initiate wires on behalf of my employer every week. I have never seen this level of delay. It cost us three days of additional interest. 

On XX/XX/2024, I walked into the bank in XXXX XXXX, Illinois to deposit the escrow refund check for {$7500.00}. I was told the check was stopped by the XXXX XXXX XXXX XXXX in place at Chase. No one could explain why. The Branch Manager made some calls and after quite a while I was offered to have the money wired into our account " within seven days ''. How is it even possible that a check written to us, from Chase, and being deposited by us into our Chase account, could not be deposited on that day? Or that the wire to fix the issue could not be immediate? 

I have questioned several of Chases employees, both at the local branch and at the corporate office, seeking an explanation of these events. I have been assured three times, by three separate people, that I would receive an answer to my questions. I have heard nothing. 

The only conclusion I can come to is that Chase is purposefully creating procedures to delay cash payouts to its customers to illegally maximize profits from a structured cash float plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: PA

Complaint narrative:
XXXX XXXX has agreed to delete this account from my consumer report. However, it is still reporting to my Experian report. I demand that Experian delete this account immediately for it is fraudulent. and the creditor has agreed to delete it. It should not be reporting to my consumer report, for it is hindering my credit. 
XXXX XXXX XXXXXXXX

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 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Credit Karma, LLC
State: VA

Complaint narrative:
I received an email from Credit Karma Spend stating my account was locked. I received another email 6 minutes later stating my credit karma account was deactivated. I contacted customer service to see why. I explained that my money was in the account ( my tax return ) and I needed to access my funds. The representative who refused to give a name stated someone will reach out by the end of the day via email. No one reached out I called back and asked how could I access funds as I needed to ensure I had the money to pay my bills and feed my children I explained Im facing eviction and possibly bigger problems if I can not feed my children. The rep who refused his name stated he would notate it in the system and someone would email me, he also explained he put a ticket in. When I asked for the ticket reference number he stated he was unable to provide me with such thing. Ive been calling for days trying to obtain my funds thats rightfully mine. Im just at a lose right now especially due to the fact I can not feed my children. They are keeping my money with no explanation.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
In XXXXXXXX XXXX XXXX I received a mailer from Chase Bank which said if I opened a checking account and had funds placed in the account by direct deposit, they would pay me {$300.00} within 15 days of the direct deposit. So far two monthly direct deposits have been made and Chase Bank has not paid me {$300.00}. I have called Chase, emailed Chase, spoken to local Chase employee XXXX XXXX ( XXXX, Oklahoma branch ) and his branch manager and they are unable or unwilling to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-10 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: WA

Complaint narrative:
I am a victim of identity-theft. I am writing to request that you block all the following fraudulent accounts in my files with Transunion, XXXX, and XXXX. This information does not relate to any transactions I made. I did not authorize anyone to use my personal information. I hereby exercise my legal rights enacted by The Federal Trade Commission, which explicitly states when a victim files an affidavit it shall beg honored by all credit bureaus and all fraudulent information must be blocked within 4 days and proper notification shall be given to all furnishers pursuant to section 605b of The Federal Fair Credit Reporting Act. Failure to comply shall lead to complaints being filed with XXXX XXXX XXXX XXXX  Consumer Financial Protection Bureau, and Attorney General with legal action of your companys unlawful collection practices, misrepresentation of reporting inaccurate debts, and noncompliance to adhere to laws enacted to help those who are victims of identity-theft. I request that an extended fraud alert be placed in my file explaining that fraudulent applications may be submitted in my name. Do not extend credit without first contacting me personally and verifying all applications.

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