vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-28 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:
I owe {$0.00} per month on the XXXX plan based on my income. My loan servicer MOHELA is not processing these {$0.00} payments ( To count towards XXXX and eliminate monthly interest ). 

The last payment of {$0.00} was supposed to go through on XX/XX/XXXX but it didn't. So I have accumulated more interest and no payment was confirmed that counted towards XXXX. For some reason MOHELA decided to push the payment restart date to XX/XX/XXXX which should not have been the case. There was no reason to do this when payments started back in XXXX according to the federal government. I did not consent to this and asked that my payments start XX/XX/XXXX when I spoke to a customer service agent over the phone. 

When I checked and saw that this {$0.00} payment had not gone through I submitted a payment of {$0.00} on XX/XX/XXXX since the website would not allow me to manually submit a payment of {$0.00} as I should be able to. 

In addition, I had enrolled in auto debit some time ago and received an email that my application for auto debit was successful, so the {$0.00} should have been automatically gone through on XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo has cause me a minimum of {$4000.00} worth of damages. Firstly without representation they changed my checking account from free to XXXX XXXX monthly and had been charging me for the last 3+years. Plus Ive have on XXXX separate occasions where they let someone clear out my checking account in person at one of there banks and while it was taking 10 days ( each time ) to refund they still charged my debit card for being over drawn and my credit card for not have the money to pay and for being late. When I tried to borrow money to pay the credit so I wouldnt be charged a late free, the only interest they would give me on such short notice was XXXX XXXX effective as soon as check would be cashed. They have severely hindered my life and cause me economic hardship due to all this

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 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: CITIBANK, N.A.
State: IN

Complaint narrative:
Someone used my info to apply for a credit card with Home Depot. Not sure whether it was online or in person. I received an alert via XXXX late last night XX/XX/23

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 2023-10-28 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
I received an American Express e-gift card in XX/XX/2023 and activated it almost immediately. I tried numerous times to use it at many online merchants with varying purchase amounts, but it continuously gets declined. I called the customer service number listed on the original email, but there is no option to speak with a human and the automated system only tells me to do what I've already done over and over again. No practical option for a resolution. I've done endless research online to find a solution, but get much of the same useless information. I've been doing everything right for 7 months now and yet I'm still sitting on a gift card that reflects the initial {$100.00} balance. I just want this stupid card to work so I can use up the balance, move on and warn everyone I know NOT to buy one of these unusable pieces of XXXX!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

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.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 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: EQUIFAX, INC.
State: MI

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.

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 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: KEYCORP
State: PA

Complaint narrative:
On XX/XX/XXXX I sent an e-mail to XXXX at Key Bank, XXXX XXXX XXXX, PA. " In order to comply with The Pennsylvania Department of Revenue Inheritance Tax requirements please provide a statement showing the date of death balance for account number ending in XXXX for XXXX XXXX XXXX, deceased XX/XX/XXXX. Up to that time I was POA on the account. Nothing is being requested thereafter. Attached please find PA XXXX Sch E Cash, Bank Deposits & Misc Personal Property Instructions Shortly thereafter, on XX/XX/XXXX I called Key Bank and spoke with XXXX. I explained an e-mail was sent to her requesting a statement showing the date of death balance for my father XXXX XXXX XXXX in order to comply inheritance tax requirements. 

Key Bank has long been aware that on XX/XX/XXXX I was appointed executor by the court. 

As of this date no response has been received from Key Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: UPGRADE, INC.
State: VT

Complaint narrative:
While I was in Ohio for my fathers funeral I had to change my phone number. I tried to get back into my Upgrade account and apparently the only way I can verity my identity is a code sent to my phone number. I emailed Upgrade and told them I changed my phone number and needed to get into my account. They wanted me send to them a photo of my ID front and back and a selfie while holding a note with my account #, limit, XXXX, and the date. Because I didnt have paper statements I then had to email a different branch of customer service for a statement with the info I needed. I took the photo and sent them everything. They then said I needed to list both accounts on the note in the selfie. Which I dont have access to. They sent me another email saying I had to request this info from them. Ive decided to leave it alone and let the account stay locked. I have automatic payments so I will just pay off the card and never use it again. Ive never experienced anything like this and it feels very sketchy. I will also add when I called customer service I confirmed my identity over the phone and they should have given me everything I needed over the phone. I will warn everyone to stay away from Upgrade.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This is my final warning before seeking legal action! 
I demand this account be deleted immediately!

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 2023-10-28 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: Radius Global Solutions LLC
State: TX

Complaint narrative:
I was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt

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 2023-10-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

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, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-29 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: Portfolio Recovery Associates, LLC
State: NY

Complaint narrative:
I am formally complaining against PORTFOLIO RECOVERY I for a number of consumer laws that they are in violation of. 15USC1681 ( A ) ( 2 ) dealing with exclusions and how I never gave them the right to report any of my transactions to any 3rd party ( XXXX, XXXX and XXXX ) along with 15USC6801 and 15 USC6802 ( A ) ( B ) ( C ). 

I have never done any business with PORTFOLIO RECOVERY nor can they provide any contracts that I owe then any money yet they continue to report this information on my credit files to all the 3 credit reporting agencies. 

I have contacted PORTFOLIO RECOVERY who has been totally non compliant through this entire process and has been adamant about breaking consumer laws. I asked the CFPB to step in and make sure that PORTFOLIO RECOVERY stand by and address the issues that I noted in consumer law and not to continue to disregard the rights of consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
I contacted Walmart Capital One and asked for temporary assistance with my bill. I have never been late once and since the account was opened years ago. I had a medical problem went into the hospital ( have proof Drs note hospital etc. ) I missed one payment and I called as soon as I got out of the hospital with my mother as I was still weak and needed her help. We were told there was nothing I was eligible and had to make the minimum payment off {$490.00} by the next due date XX/XX/23. I was shocked and hurt t the same time and stated I would be filing a complaint to let someone in Corporate know what was going on if they did not know. And to let other consumers know that after missing one payment Capital One would not work with me or credit any late fees. This is truly a punch in the gut to me because I am still not back to work and I can not believe Capital One Walmart has no option to help me on a temporary level. I would like to speak to someone at the Corporate level regarding my concern as this could happen to anyone if they are not rich and get hospitalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: AL

Complaint narrative:
I received a text message with loan amounts, payment amount and term. I chose the {$5000.00}, 36 month term at $ XXXX. I went through the process to get the loan and several times it was stated to to me that the funds would be available in my account in 5 - 10 minutes. This didn't happen after I paid {$120.00} federal insurance and {$170.00} state tax on the loan. i contacted the accounting department and they said they needed my XXXX XXXX sign in name and password, I told them they weren't getting in and all conversations ended at that point.

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 2023-10-28 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XX/XX/2023, I got an email from XXXX informing me they were transitioning their financial services from XXXX to Comenity Capital Bank. Then, on XX/XX/XXXX, another email arrived, mentioning a new payment setup. Although the email stated that a letter containing my account number had been sent in XXXX, I never received it. When I called the provided contact number, an automated message simply told me to await the arrival of this letter. Finally, on XX/XX/XXXX, the letter arrived. 

To my dismay, I found a {$29.00} late fee on my account. I consider this practice unfair and predatory. I never requested the shift from XXXX XXXX to Comenity, and I was not alerted about a late payment either. Instead, I received aggressive calls from Comenity, from a blocked number, attempting to collect a debt. It wasn't until today that I got an email identifying itself as from a " debt collector. '' This entire situation is highly predatory and unjust, and I believe it should be illegal. The bank should offer a XXXX day grace period for customers to receive these letters, particularly given the known inefficiencies of the USPS. While the letter lacks a sent date, it's the only correspondence I've received regarding this change. 

Now I find out my payment is due on the XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
XXXX, notice suspicious activity on monthly statements, by XXXX I was bouncing check but my balance was over {$1500.00}. Made appointment with Wells Fargo XXXX in XXXX XXXX XXXX and i showed the suspicious activity and they agree, I finally convinced them to do something, they opened a fraud 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 2023-10-28 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have no knowledge of any of these hard inquiries on my credit and would like for them to be removed!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
I sent a dispute letter to the company in XX/XX/2022 regarding a lender reamortization of the loan which increased my debt to higher than the original amount and increased the payments. Also included in that letter was a notation from the dental practice provider that they ( dental provider ) subsidized the loan to give me 0 % interest instead of a XXXX XXXX interest rate. Company failed to acknowledge the dispute letter sent, company failed to respond in 60 days to dispute. Phone calls went no where to arrive at a solution. Accounting procedures are very shady and XXXX payments have never been credited to the account and despite providing proof, they will not credit the uncredited payments. Company has started charging a ~ {$2.00} foreign exchange fee ; the company is domestic. Calls to the company regarding this with the response being insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Lendmark Financial Services
State: KY

Complaint narrative:
I am just due for the current months payment, so not even XXXX days past due, and in a matter of XXXX days I have received XXXX phone calls from this company, as close as an hour and a half apart, to collect the debt. There is no reason at all to call a customer XXXX times a day to collect a debt, especially with the times so close together. Their collections tactics are harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY
State: AL

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, I sent a letter regarding the above accounts that are inaccurate and unknown things on my credit report to this day over 60 days later I have not received a response, yet I feel like Im being taken advantage of and ignored my disputes.

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 2023-10-28 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: TX

Complaint narrative:
I was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt

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 2023-10-28 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I was reviewing my credit report and didnt realize a charge nor the company so I sent a letter so they can validate the charge, and they sent me a copy of my private personal medical information and dont even know the person nor did business with them they are in violation of the HippA law and I want them stop reporting and try to collect on this debt

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