vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: EdFinancial Services
State: MA

Complaint narrative:
I have tried multiple times to reach EdFinancial and have requested at least two callbacks, one of them over a week ago. Based on the stated wait time they should have already called me back. I have spoken to a representative at the federal government who confirmed that I had submitted my SAVE application but the EdFinancial website still says I owe {$2500.00} in XXXX. That is also earlier than the grace period should have ended since I just graduated from law school, and my SAVE payment is supposed to be {$0.00} based on my tax statement from last year. I actually had a really good experience calling the government line but EdFinancial is impossible to reach.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 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: PA

Complaint narrative:
I have unauthorized inquiries on my credit report that I ask to be removed but still are not removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Loan opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I purchased a car from XXXX XXXX  XXXX, CA on XX/XX/2023. I had my own financing, which the dealership offered to beat. I agreed to allow them to run my XXXX score only ( noted on the application ), after which I was offered an interest rate through XXXX XXXX which was lower than my personal financing. I accepted and purchased the car. 

I later received a letter of cancellation from XXXX XXXX  XXXX, stating that they were not able to get the loan funded and instructing me to return the car. When I attempted, I was told that this letter was sent in error, and there were no issues. I also noticed that there had been several inquiries to XXXX and XXXX from XXXX, which I did not authorize. 

Three weeks after the purchase, I received loan documents from Chase bank, which I never applied to nor authorized. After much back and forth with XXXX XXXX XXXX, they cancelled the Chase account and I used my personal financing as originally planned. 

I have since received two letters from Chase bank, one confirming that the loan was cancelled and another confirming that it was paid off. Based on this I have made multiple attempts to have the Chase loan removed from my credit report, as it was never authorized. I continue to be denied.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-wells-fargo-to-pay-37-billion-for-widespread-mismanagement-of-auto-loans-mortgages-and-deposit-accounts/ Referencing this article, Wells Fargo incorrectly managed Deposit accounts ( e.g. Checking and Savings ) and is due to pay back money but I have not been contacted regarding a payment.

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 2023-09-13 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NC

Complaint narrative:
I still have not received a check as promised for the amount in my account when US bank closed the account in XXXX. ( {$3000.00} plus interest ). On XX/XX/XXXX, I sent them requested info to ( again ) verify the account. The reply email stated that they would rescind within 24 hours. They never responded. I am reading online of many other people in a similar situation. This is THEFT of money and nothing is being done about it. US Bank needs to be FINED and returned all money it has STOLEN from its customers.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

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. 

I told the XXXX, XXXX, and XXXX to reinvestigate these accounts : XXXX :, BK OF AMER : # XXXX, XXXX XXXX  : # XXXX. However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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. 

Also they aren't even in compliance with XXXX XXXX credit reporting. I have evidence to prove my case

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
15USC 1681 a ( d ] ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet Equifax is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately.XXXX XXXX XX/XX/2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Before you think to reply that this account has been " validated '', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. Equifax and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
XX/XX/2023 I sent a letter in regards to a company in violation of the law. Pursuant 15 USC 1681a 2 ( A ) ( i ) I did not get any correspondence

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TransUnion My latest credit report displays wrong and inaccurate personal account information- please see attached. I need to have this resolved as soon as possible as its affecting my ability to obtain credit. 

Thank you

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 2023-09-13 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: NC

Complaint narrative:
Fraudulent account ( from XXXX, a horrible fraudulent company ) reappeared on credit report. Attempted to dispute online but the website is down. The help page does not contain contact information. I called to dispute by phone ; I had to enter and re-enter my private information at least 3 times before it put me on hold ; however there was no sign I was even on hold or the call was placed in a queue. I waited for over an hour and no one answered the phone. There is absolutely no other option for disputing information in the credit report that is false. This is absurd.

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 2023-09-13 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: NY

Complaint narrative:
My loan payment plan was recently converted from REPAYE to SAVE, but the loan servicer ( MOHELA ) incorrectly calculated my payment. The resulting new payment is approximately {$1000.00} more a month than my prior payment and does not accurately reflect my AGI, family size, and my spouse 's loans in repayment. This is demonstrated by the attached results of the loan simulator. All guidance released by the federal government and available on studentaid.gov indicates that no one is required to recertify their income earlier than XXXX months after repayment pause ends, but MOHELA refuses to correct the payment amount unless I recertify now, XXXX months prior to the deadline. I contacted MOHELA on XX/XX/23 and XX/XX/23 and was XXXX  told they could not correct my payment amount without recertification, despite the payment amount being egregiously high due to their error. When I called to request a review and correction of the payment amount, they refused to provide any information regarding how the payment amount was calculated and refused to further escalate my case to a manager. They also have not provided a billing statement, XXXX  days prior to the payment due date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Block, Inc.
State: OH

Complaint narrative:
Or or about XX/XX/XXXX I filed a dispute with Cash App regarding a disputed transaction with XXXX XXXX, XXXX XXXX XXXX XXXX for the amount of {$1100.00} which was sent to her through Cash App on XX/XX/XXXX. I provided proof that XXXX XXXX cancelled the agreement for the rent to own home on or about XX/XX/XXXX because she was unable to reach us due to an urgent family matter. I also provided proof that XXXX XXXX represented that she was owner of the property when she was not the owner and XXXX XXXX has committed fraud in representing she was owner of the property she was trying to rent to own with me and my spouse. Cash App representatives ignored my dispute, has not contacted me regarding it and has claimed at another time during XX/XX/XXXX, they do not see the dispute. I resubmitted another dispute on the same transaction yesterday XX/XX/XXXX. Cash App has poorly handled my dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AZ

Complaint narrative:
Documentation : Over XXXX and XXXX : On the course of about XXXX  months, I paid down XXXX towards my student loans from XXXX different bank accounts both the bank statements and proof of my payment history. For clarity, the money was paid from XXXX bank accounts. The first bank account was my business account ending in XXXX and a personal bank account ending in XXXX. 

On XX/XX/23 I requested to receive all of that money back for an important medical procedure. They assured me I would receive my money in XXXX  days thus XX/XX/23. 

On XX/XX/23 I received {$8400.00} dollars to the bank account ( business ) ending in XXXX. 

At that point, I called on XX/XX/23 asking for the larger amount ( about XXXX left ) and did not receive an answer. I subsequently called on XXXX various occasions and not a single person at Mohela could give me any information. At XXXX point, someone said they could see on my account has been reimbursed for {$500.00} ( not true ), and I have called and spent over XXXX hours on the phone trying to reach someone in leadership to give me routing numbers and answer where my money was. I spoke to a Supervisor named XXXX would said I would receive a call back and never did. 

On XX/XX/23 I was extremely concerned given the timeframe for the XXXX  days was ending. I called in and asked for a case number. They could not provide XXXX. They gave me a call number Case number for that days call : XXXX. On XXXX as well I provided bank statements for both bank accounts starting in XXXX providing I had received the initial. Mohela also has not acknowledged that they is an accounting issue on their end. 

On XX/XX/23 I received a message ( also attached ) from Mohela stating my issues had been resolve. 

At this point on XX/XX/23 I have heard nothing and have spent XXXX hours on the phone. I am experiencing panic attacks, not sleeping, and I am no closer to resolution. Please help me. 

XX/XX/23 Submitted Case to Student Aid.gov - case number XXXX Federal Trade Commission case number XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
XX/XX/2023 I was charged in error by XXXX for {$47.00} because of this charge i incurred ( XXXX ) overdraft fees of {$10.00} each. I called the merchant and explained the error and they credited my account. I spoke with a BOA rep who told me he could not reverse my fees. I would never have incurred without the {$47.00} charge.

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 2023-09-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I was never late on this account 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 2023-09-13 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: LEXISNEXIS
State: AL

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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Opportunity Financial, LLC
State: WA

Complaint narrative:
Received loan during XXXX epidemic. I didn't know the interest rates was enormously high to the point it keeps you in debt I also didn't know they were involved in lawsuits and had such bad reviews. None of your payments go towards your loan at all. And I had gotten XXXX  and was out of work for XXXX  Months and I told them this as well. They are a predatory and scamming company who should be shut down.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Block, Inc.
State: DC

Complaint narrative:
Over XXXX weeks ago, Cashapp closed my account for what they claim was a violation of the " terms of service ''. 
I contacted the customer service department to determine what term they claim was violated. 
Customer service at tgat time said an email with that information would be sent. 
No email was sent. 
I contacted customer service again to ask about the status of the email. 
I was required to resubmit my complaint and was again told that I would be receiving an email from the company with regards to the reason my account was closed. 
No email was sent. 
After XXXX weeks, I again contacted customer support. I was told again that I again should expect an email, I requested to speak to a supervisor as I was certain that I was not going to be receiving the email after being falsely promised emails XXXX times before. 

I was then told that there was no supervisor, that I would not be given any further explanation as to why my account was closed, and I was hung up on. 
I called customer service back, speaking to a different agent, and was again told that I would NOT be receiving any information as to why my account was closed, I was not allowed to speak to a supervisor and I was hung up on a second time. 

I have thoroughly reviewed the terms of service. I can not determine ANY term that I have violated. As the company is not willing to provide answers, I have to presume that I am being targeted personally or politically by the company. 

How can a company have terms of service and not inform people of why they are being cancelled?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-09-15 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: MS

Complaint narrative:
I did not initiate these inquiries, and I believe they are fraudulent. I am requesting that you take appropriate action to investigate and remove them from my credit report. I have attached the necessary documents to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-09-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
XX/XX/2023. I tried to send money to someone on XXXX. The bank called me asking me questions about it. The bank decided to decline the XXXX  transfer. The email I received was that they said no because I didn't answer the phone. They lied. I did talk on the phone with them. On XX/XX/2023, The XXXX XXXX app informed me that the withdrawal {$22000.00} and more from my account. I went to my XXXX app and found out I had no money ( over {$22000.00} withdrawal ) in my account. I was also trying to buy XXXX  through the XXXX XXXX but I kept getting declined. Since I was at work, I went to HR to find out how to remove my direct deposit. I have no idea where my paycheck ( ~ {$540.00} ) went since they closed my checking account on XX/XX/2023. Since they closed my account on XX/XX/2023, I tried calling on XX/XX/2023 from the letter I found in the app. I called the number in the letter and didn't get a straight answer. The customer service person was rude. She confirmed that my account was closed. She gave me a random number to call that wasn't Chase Bank. I have no idea who I called. I went to the bank on Tuesday, XX/XX/2023. Someone was asking everyone in line why they were in line. I showed her the app, and she led me to the phone. I talked to the fraud department, They said I was talking to the wrong department. I was transferred to another department. I have no idea who then I was transferred again. They told me to wait for a letter in the mail. I did get upset. It's now XX/XX/2023 and I have not received the letter in the mail yet. I still don't have my money of $ XXXX either. I have no idea where my last XXXX paychecks are from XX/XX/XXXX and XX/XX/XXXX. I've been getting the run around from Chase Bank. I have no idea why they closed my checking account. I can't afford to eat since my money is missing. I have no idea how I'm going to pay rent next month. I can't do anything since my money is missing.

Company response to consumer: Closed with explanation