vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: AE

Complaint narrative:
I am a PA resident and voter who is currently stationed at XXXX XXXX in New York. I would appreciate any assistance your office can provide me with navigating a PSLF process that appears to be completely unresponsive to military borrowers with student loans that are fully dischargeable under the PSLF program. I have been an XXXX in the XXXX XXXX since XXXX. Last winter I consolidated my remaining federal loans ( amounting to approximately {$41000.00} ) into direct loans to take advantage of President Biden 's limited PSLF waiver program. In XX/XX/XXXX I filed a PSLF application with XXXX -the then servicer of said loans. In XX/XX/XXXXXXXX XXXX erroneously rejected my application on the basis that the end date of my qualifying federal service listed in the application was purportedly before the listed start date. This was, in fact, an incorrect reading of my application which plainly lists that I am still employed with by the XXXX XXXX. After no less than six calls to XXXX in which i waited on hold for periods exceeding 2 hours, XXXX acknowledged the error and said it would continue to process my application. In total I spent more than XXXX hours waiting on hold or speaking with XXXX employees in an effort to resolve the matter. In XX/XX/XXXX, XXXX transferred servicing of my loans to Mohela. Unfortunately, XXXX did not transfer my purportedly pending application to Mohela along with the loan servicing responsibilities. I spoke with a Mohela representative ( again after multiple hours on hold ) who advised me to resubmit a PSLF application and assured me that my application would be expedited. As of XX/XX/XXXX my application still has not been processed and multiple attempts to resolve the matter with Mohela have been unsuccessful. Over the past XXXX months I have spent hours navigating Mohela 's phone system which either traps me in an automated loop and does not allow me to speak to a live representative or places me on hold for upwards of XXXX hours at a time before disconnecting me. The XXXX order mandated COVID forbearance in place on my loans expires next month -at which point I will have to resume payments on loans that should be fully XXXX. I'm not sure if your office can help, but if so, I would greatly appreciate some assistance. If you are unable to assist, I would appreciate it if you would take note that I am not the only service member having difficulty navigating the XXXX waiver process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
On XX/XX/XXXX XXXX I submitted a complaint to CFPB regarding Experian failing to remove or provide any due diligence to perform a proper investigate regarding a negative reporting erroneously by XXXX XXXX on my behalf. The first week of XX/XX/2022 I spoke with an Experian Representative XXXX XXXX and expressed my concern on how could he return the following day with an investigation conclusion regarding my claim if a proper investigation was performed. His reply was that he electronically submitted a verification which solely confirmed my name and address and that that was suffice. According to the FCRA such investigation is not deemed proper regarding the investigation process. The account in question was never written off to a collection agency neither was I ever delinquent on the services to which I was billed ; instead XXXX XXXX charged me for XXXX devices that was stolen in transit back to their warehouse even after I submitted the tracking information which was reported to them immediately. So again I was never delinquent on a bill and the cost that they sought was for equipment that resulted in theft. XXXX was well aware of this issue. The only reason why I settled a portion of the balance was because I acquired a new job with them and was forced to do so. The nature of it being in collections or a past due bill is false. Experian 's fails to conduct proper investigations, which are set in place to protect me as the consumer but instead they assist in creating further damages. That account dropped my score by XXXX XXXX  and has caused significant damages to my credit.

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 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: ALLY FINANCIAL INC.
State: NV

Complaint narrative:
Since XX/XX/XXXX, a whole week and Ally.com 's website and app have not been accessible to me from any device or browser. The website is down, the app is down and the customer service wait at the shortest is over 1 hour and 10 min and then you don't get through. 

They are having major problems and they didn't provide any backups to such problems, including their phone service that does everything possible not to allow you to speak to a live person. 

Very scary and very disappointing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
On XX/XX/XXXX a scammer with the help of Wells Fargo accessed my business account and wired XXXX out of it. Wells Fargo knew minutes after that my account was compromised and never stopped the fraudulent wires from leaving on a Friday afternoon on a holiday weekend. I notified fraud less than XXXX XXXX later that the wires were fraudulent but nothing was done. Tuesday after the holiday I learn that the wires were never added to the fraud claim. My claim was denied because they said I gave my info out which is part true because while Wells Fargo was calling me that day so was the scammer with the a Wells Fargo number. The scammer already knew everything I only aided in giving the sms code. Either way they knew or should have known there was some seriously unusual activity on my account and they had time to claw back the wires. Dealing with the fraud dept is a literal nightmare. I have filed XXXX complaints through the branch that were never answered. Wells Fargo did absolutely nothing to stop the money from leaving and are telling me to deal with it. I see this same story over and over again when searching the internet. XXXX a XXXX man business and that XXXX is crushing to me. The fact scammers can call using a actual bank numbers is insane. If Wells Fargo had to pay all these claims I bet spoof apps would not be allowed to use bank numbers.

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 2022-11-04 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX My consumer Rights are being taken advantage of by these debt collectors, Law Offices MBA and XXXX XXXX  for committing identity theft with my name. Please know i never gave no permission for my personal information being public and shared by non affiliated third parties which under federal law is a violation under 15 USC 6802 ( B ) and i the consumer, was not given notice before the initial disclosure if any, to direct that such information not to be disclosed to third parties under 15 USC 6802 ( B ) 1c. Not to mention some HIPAA Violations but Because of this fraudulent agreement/contract my personal nonpublic information was furnished to credit reporting agencies which was not of my consent and then stolen by Law offices MBA and XXXX XXXX  who now says i owe them a debt which on XX/XX/2022. i requested validation and have not received any notice of this attempt to collect until now but they are communicating to me via my consumer report, but still hasn't sent me any documentation that they can even collect on the alleged debt. I have reached out to XXXX and XXXX about them furnishing this unverifiable collection attempt and they still report this fraud on my consumer report. I am legally refusing to pay debt under 15 USC 1692c ( c ) and I am demanding that all illegal activities of debt collection cease and desist immediately from Law offices MBA and all other third parties involved. If I don't find remedy to cure these violations of my right to privacy under federal law, I will have no choice but to file a lawsuit in which I will be looking for actual damages caused from these companies ' unfair and deceptive practices. Law offices MBA and all other third parties involved to be criminally liable and prosecuted for aggravated identity theft pursuant 18 USC 1028A, extortion, mail fraud and theft by deception. Please note that I went through all channels to get this problem solved and I am giving formal notice that I intend litigation if my demands aren't met you have been hereby notified Pursuant UCC 1-2021.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USU 1681 Account Name : XXXX XXXXXXXX XXXX XXXXXXXX ; Account Name : 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 an 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 other adverse items 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 2022-11-04 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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX Account Name : XXXX XXXX XXXX XXXXXXXX ; Account Name : 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 an 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 other adverse items 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 explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Problem with customer service — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I deposited a check for the amount of $ XXXX into my CAPITAL BANK ACCOUNT on XX/XX/2022. Deposit slip tells me the fund is available on XX/XX/2022. ( My Capital Bank Account number ending xxxxxx, Branch Address, XXXX XXXX XXXX, XXXX, NY XXXX ) XXXXXXXX XXXX was the issuing bank for the amount $ XXXX. XXXXXXXX XXXX Cleared the check on XX/XX/2022. Copy of the check cleared by XXXX XXXX, I received AND send to Capital Bank for Verification. 

Unfortunately, Now, Capital Bank is holding the fund for until Monday, XX/XX/2022, casing me huge loss. 

Could you please assist me on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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 an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: CA

Complaint narrative:
I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX MN, 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Firstly, The United States Bankruptcy Courts state on their website that they DO NOT verify, nor do they report bankruptcy records to ANY consumer reporting agency. 
I have also personally researched PACER for case identification number XXXX that you have provided and found no validity of you claim. 

The personal information you provided as verification from PACER ( attached ), does not match the personal information provided in the letter sent by LCI Consumer Center on behalf of Transunion ( also attached ), and is not sufficient to verify my identity accurately. 

In 15 U.S. Code 1681e ( b ) Compliance procedures, The Congress states the following : ( 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 about whom the report relates. 

According to 602. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. A report of a bankruptcy is an infringement of my right to privacy and such reporting is a direct violation to the Fair Credit Reporting Act 15 U.S.C. 1681 ( a ) ( 4 ) a consumers right to privacy. 

Congress also states that I, XXXX XXXX, must give written permission to Transunion to access my public information : 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I have not, in fact, given Transunion written instructions to report this information according to the law above. By reporting said information Transunion is in violation of section 604 by asserting this false and erroneous report. Failure to respond satisfactory with deletion of the Bankruptcy and all other erroneous information that you are reporting on my consumer report will result in legal action being taken against your company for which I will be seeking {$1000.00} per violation, defamation of character, noncompliance, civil liability, mental anguish and the FCRA 15 usc 1681 for violations under willful noncompliance, section 616 civil liability for noncompliance, 15 usc 1681n.

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 2022-11-04 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: NY

Complaint narrative:
Accounts listed below must be removed ( XXXX XXXX ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX TRANSUNION INTERMEDIATE HOLDINGS , INC . 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES

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 2022-11-04 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: NY

Complaint narrative:
Accounts listed below must be removed ( XXXX XXXX ) XX/XX/2022. 
XX/XX/2022. 
XX/XX/2022 COMPANY WAS NOTIFIED THIS WAS A FRAUDULENT ACTIVITY Experian Information Solutions Inc . 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
ACCOUNT NAME : XXXX XXXX ACCOUNT NUMBER : XXXX This account as been notified as a fraudulent account that and opened falsely under my name. i have no supporting documents saying i owe this debt or account- NO SIGNED COPIES

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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY

Complaint narrative:
I called Citizens bank about the fees this bank shouldn't be charging several times after they acquired XXXX free checking accounts since XX/XX/2022 - first they tried charging monthly fees illegally, then came up with a statement delivery fees. It's illegal to charge customers such fees first of all because it's a responsibility of the bank to provide account statements to customers, but moreover because they have bugs in their online app, and they were notified about that over the phone as well. Please take appreciate action. Thanks in advance. 

A representative credited the fee for the statements retroactively 3 months ( XXXX USD ), but asked for an email address, insisting on a paperless option, although I've told her that it would be better if they fix their online banking bugs first. Until they will - paper statements delivery is their only option to do things right for their clients.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 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:
I am writing the because I have reached out to the credit bureaus about inaccurate information on my credit report and I have not been getting any response back In accordance with Fair Credit Reporting Act XXXX  Account # XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I applied a job offer which ended up being an impersonation of a company named XXXX, they sent me a mobile check via email which I deposited into my bank account XXXX Bank of America ) which was suppose to be used to buy my equipment for this job. One was {$950.00} the other was {$1000.00}. A day after, the money showed into my account and I then was forced to XXXX 2 people who stated they would be the vendors I would " get my equipment from ''. I XXXX 2 separate times one for {$950.00} the other for {$1000.00}. After that I found out that the checks they gave me were FAKE, counterfeit and the individual I was speaking to on XXXX chat ( XXXX XXXX ) had scammed me, I tried to have these scammers send my XXXX my money back but they did not give it back. I made a claim with my bank about the counterfeit checks and submitted a claim in the XXXX Department. Both have failed to do anything to get my money back. Now I am in dire need of getting my money back because this is a very unfair way of things. The Claim number on file with the bank and XXXX is : 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