vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA

Complaint narrative:
USAA allowed someone using my name to open and use a credit card. The identity thief used the credit card to charge $ XXXX for airplane tickets in the XXXX XXXX. USAA, with which I insure cars, ( a ) on XXXX XX/XX/2022, denied the credit card, and ( b ) on XXXX XXXX XXXX, debited my XXXX  checking account in the amount of $ XXXX. XXXX did not recognize and allowed this unusual debit and did not notify me that it had occurred. When 'd I discovered it, I immediately notified both XXXX and USAA of this error, and I've diligently tried to get both XXXX and USAA to cooperate with me in securing the return of the erroneously debited $ XXXX. Both XXXX and USAA have practiced avoidance and neglect in regard to the correction of this error within the XXXX  system. USAA in particular has supplied XXXX  with incorrect and misleading information so as to get XXXX to deny and close my XXXX  Dispute. Neither XXXX nor USAA have practiced customer service ; both companies have taken advantage of me ; both companies use the pandemic as an excuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..

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 2023-01-13 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: TX

Complaint narrative:
XX/XX/2023 EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX RE : XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX, XXXX  XXXX RE : Account # XXXX XXXX XXXX Alleged Amount Owe : {$5600.00}, Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00} 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.

15 U.S.C 1681 section 602 A. States I have 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 the information. Any other adverse item of information other than records of convictions of crime which antedates the report by more than 7 years.

15 U.S.C 1681 s-2 ( A ) ( 1 ) A person shall not furnish any information related to a consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

After removing the inaccurate information from my credit report, please send me a credit report update in 15 days from date of letter. 


Respectfully, Thanks Account Name : XXXX  XXXX Alleged Amount {$5600.00} Account Name : XXXX Alleged Amount Owed {$3200.00} Account Name : XXXX XXXX XXXX  Alleged Amount Owed {$1000.00}

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 2023-01-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
My original federal student loan servicer was XXXX XXXX and I continued payments during the XXXX loan payment pause that began in XX/XX/XXXX. My loans were transferred to XXXX in XX/XX/XXXX after I applied for the XXXX XXXX XXXX XXXX ( PSLF ) program. I requested a refund of all of the payments made during the loan payment pause via an online form on the XXXX website on XX/XX/XXXX. My loans were transferred to MOHELA on XX/XX/XXXX after XXXX ended federal loan servicing. I requested a status update from XXXX on XX/XX/XXXX ; however, I received no updates. I called MOHELA on XX/XX/XXXX to check the status of my refund request ; however, I was unable to reach a customer service representative after being on hold for over an hour. I called MOHELA on XX/XX/XXXX to check the status of my refund and I was on hold for XXXX and a half hours. The customer service representative informed me there was no record of the refund request I previously made with XXXX, so I made another request for my student loan payments. The customer service representative informed me I would receive my refund in approximately 60 days ( did not specify business days ). It is XX/XX/XXXX ( XXXX business days later or XXXX calendar days later ) and I have not received any updates or my refund. I have been patient due to the rapid changes and high call volumes ; however, it has now been over XXXX months since I originally submitted my refund request to XXXX. It is extremely difficult to speak to a customer service representative due to the XXXX hour wait times, automatic hang-ups, and the automated phone tree. I understand the State of Missouri is challenging the Biden-Harris Administrations Student Debt Relief Plan that claims it will cause MOHELA financial XXXX. The absolute lack of updates, unacceptably slow processing times, and inability to speak with MOHELA customer service suggests MOHELA is failing to provide service to borrowers and is instead acting in the interest of the State. Due to the awful response, I will also be submitting a complaint to the Department of Education.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NV

Complaint narrative:
On XX/XX/XXXX my bank informed me that they were closing my accounts. I had just received two deposits two days before. I had several ach withdrawals which they let go through until the XXXX. I contacted them at least three times trying to get my funds withdrawn. I have three direct deposits going to that account. I'm a retired XXXX XXXX veteran. I've been associated with this bank since XXXX On the XXXX I was transferred to the complaints department and explained my situation. I told the rep XXXX XXXX ) that I just got out the hospital and had an XXXX due my XXXX. Told them this was a medical emergency. She said that the complaint was forwarded to another department and they would contact me in 24-48 hours. I called again at the 54 hour mark and they said that my case was pending. The biggest issue with this is they claim not to be doing business with me but they still have my account on " deposit only ''. My deposits keep going into the account ( {$11000.00} ). They said my account is closed and have give me 69 days before they can send my funds. Totally unacceptable. I have contact the Texas Attorney General 's complaint department and they sent a letter but it seems that they will not engage USAA.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: Paypal Holdings, Inc
State: OR

Complaint narrative:
Hello, XXXX XXXX, my PayPal account can not be linked to the bank and withdraw cash. I have contacted the PayPal customer service representative many times and the problem has not been resolved. Please help me, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I RECENTLY RECEIVED A REJECTION LETTER FROM BANK OF AMERICA TO OPENING A NEW ACCOUNT. I DID NOT APPLY FOR AN ACCOUNT AT THAT BANK. IT WAS EITHER IDENTITY THEFT OR OUTRIGHT FRAUD.. I WOULD LIKE TO PRESS CHARGES ON THE INDIVIDUAL WHO ATTEMPTED TO OPEN AN ACCOUNT UNDER MY NAME WITHOUT MY CONSENT.

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 2023-01-13 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: NJ

Complaint narrative:
Experian shows a 120 day missed payment for XXXX when the month only has 31 day for XXXX XXXX. Experian continues to allow XXXX XXXX XXXX to report my account as having a delinquency when the account is XXXX Protected. The account report shows a status of past due for 180 days late and a past due amount of {$6800.00} which is not true and should be XXXX protected on a forward going basis per their legal agreement to me in writing from their legal department this agreement is on a forward going basis and is a legal document. The account was never late but shows missed payments. XXXX XXXX agreed to keep my account in XXXX protected.

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 2023-01-13 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: Paypal Holdings, Inc
State: TX

Complaint narrative:
Hello, XXXX XXXX, my PayPal can not be linked to the bank and withdraw cash, please help me, thank you

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-13 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: PA

Complaint narrative:
See attachment There is incorrect information reporting on my consumer report far as incorrect hard inquires

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 2023-01-13 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: NJ

Complaint narrative:
Inquiries on my report I did not authorize

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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 — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NH

Complaint narrative:
I have been working hard to raise my credit score to XXXX for 7 years, and was shocked this week when on my TransUnion ( and other reports ) it had decreased 15 points due to a transfer of a loan. 
Upon advice of the Department of Education, I refinanced my XXXX XXXX XXXX and switched it to XXXX. It is the same amount, but came up as a new loan and my credit score took an incredible hit. 
I was hoping to buy a home, and refinance my auto loan with my XXXX score ... but now it is down to XXXX with a loan that IS NOT new. It had just been transferred to another lender with the hope of the Student Loan forgiveness.

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 2023-01-13 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..

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 2023-01-13 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. 

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my letters..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-13 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: GA

Complaint narrative:
I contacted Wells Fargo about a claim that I filed against a merchant ( XXXX XXXX XXXX mall ) that is clearly scamming customers on multiple reviews that are published against them that show when a customer makes a purchase and tries to return the product even the same or next day that they wont honor the return policy on the receipt that clearly states that you have 30 days. I filed the claim XXXX after the purchase and never even used it as I purchased it as a late XXXX gift. They sold me a display model clearly and of course I get trapped with the item since being a display model shows small scratches and a clear indentation of where a mannequin wore the bag which I didnt see until I got home. I also unfortunately did not see these reviews until after I made the purchase. I contacted my bank and they didnt help me at all and told me I can take that company to small claims court haha unreal! Worst banking customer service I have ever received and experienced. They closed my claim without even giving me the chance to submit supporting documentation or evidence. HORRIBLE

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 2023-01-13 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the 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 2023-01-13 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NH

Complaint narrative:
I have been working hard to raise my credit score to XXXX for 7 years, and was shocked this week when on my XXXX ( and other reports ) it had decreased XXXX points due to a transfer of a loan. 
Upon advice of the Department of Education, I refinanced my XXXX XXXX XXXX and switched it to XXXX. It is the same amount, but came up as a new loan and my credit score took an incredible hit. 
I was hoping to buy a home, and refinance my auto loan with my XXXX score ... but now it is down to XXXX with a loan that IS NOT new. It had just been transferred to another lender with the hope of the Student Loan forgiveness.

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 2023-01-13 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: NJ

Complaint narrative:
I have tried on many occasions over the last few months to access my old cashapp accounts ( I have rotated through several different phone models lately and all have required a re-installation of the cash app ). Every time I reach out to the company to get access to my prior wallet, they tell me they can not provide access and that I should open another account and they will automatically identify any prior accounts I have and migrate any balances. That has NEVER happened. All I want is for these scammers to provide me with a list of ALL transaction TO and FROM my accounts. I've provided them all the necessary information they require to validate me as the owner of the ( NOW ) XXXX accounts. All the customer service reps refuse to provide me the information- under the pretense of " security ''. I gave them personal information to create the wallets, all they should need is the same personal information to provide me access to my old funds, they are refusing to do so and keep making me open more accounts- which actually does not resolve the problem and only adds to the confusion by creating MORE accounts. 


Their response to my prior complaint is a circular argument. They say they can not provide me access to my prior accounts because they can not validate me as the owner, yet to validate me as the owner, their only mechanism to to request prior account credit card information that has since changed because the credit card used on the prior account no longer exists. They need to have ACTUAL HUMAN BEINGS involved in the account verification process. All they provide is a chat window. I want to speak to a live person that can identify me as the owner of all my prior accounts ( that have balances they are withholding from me ) using means other than old credit card numbers that no longer exist. That is not a valid means of identifying an account holder, they have my other personal and financial information such as my birth date, my social security number and my banking information ( which has NOT changed ). They are preventing me from accessing my funds because I no longer have the old credit cards used to open my prior accounts, yet they can easily verify my identity using other means and refuse to do so in order to keep the funds in my prior accounts for themselves. 

The CPFB needs to look more closely into the practices and policies of this company, as they are essentially scamming funds that do not belong to them. Are they even reporting into the public database of " abandoned property '' that states require institutions to submit? If my funds are no longer accessible because they can not identify me, then they should hand them over to the state so I can claim the funds from the state- and they should provide a means for me to do so as part of their failed account verification process.

Company response to consumer: Closed with explanation