vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-20 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: Affirm Holdings, Inc
State: UNITED STATES MINOR OUTLYING ISLANDS

Complaint narrative:
in XXXX i received an alert via e mail that the company Affirm inc XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX the alert message said that Affirm had just approved a loan for me in the amount in excess of sum {$4000.00} + dollars, i immediately contacted AFFIRM AND ADVISED THEM WITHIN MINUTES that i did not request this loan. 
i was advised by Affirm i would have to contact the party receiving the loan to get the money refunded i explained i did not request it and i should not have to ask the party to refund something i did not do they replied i had to do it that it would be the only way to resolve the dispute i got the information from Affirm as to who the party was after several calls and threatening legal action the party agreed to refund the money back to Affirm the party did refund the amount but Affirm is still holding me liable for XXXX of the loan i did not apply for Affirm has since posted to the credit agencies that i opened a new account with them and that i owe them this amount i have called repeatedly and talked to supervisors and got nowhere i ask you please to help me resolve this this is a bad company doing bad business this company uses your telephone number as a way to authorize a loan in your name the company phone number is XXXX thank you for your time and consideration

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Bank of America, took {$2000.00} from my checking account on XX/XX/2022, to cover an overdraft in another Bank of America XXXX account that was caused by denied disputes. 

This money was taken with no warning or communication from Bank of America. I did not even know a payment plan was a possibility until I called Bank of America today and asked if I could pay the overdraft down over time and have the {$2000.00} returned to the proper account. 

Bank of America refused to return the funds and did not allow me to set up a payment plan, stating that it had been 30 days so they took the funds from my other account. Again, this 30 day timeline was never stated before. 

The money they took was for a large life expense that needed to be paid on XX/XX/2022. Their lack of flexibility, and communication is absolutely disgusting.

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 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have tried to open accounts through XXXX  XXXX XXXX and Truist bank and they wont let me open one due to them thinking I was involved in fraudulent activity but u was never involved any of that type of activity I am currently a student in colleg and have no idea on what is going on and why I cant create or make a new bank account

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 2022-10-20 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MD

Complaint narrative:
My loan is with XXXX. It is a federal XXXX XXXX that the federal govt sold to XXXX XXXX and then to XXXX. Now Im trying to apply for the XXXX XXXX XXXX XXXX. Their servicer is now Mohela. They are a big problem. You spend hours on hold. They lost at least one application, the 2nd wasnt legible due tio theyre ink from their fax machine. No way to send online if servicer is through XXXX, I had to finally send a 3 application through the mail. Now they are telling me the 90 days to process starts all over again when the issue is them! XXXX is another issue and they are also apparently holding up the process. Ive been paying on my loans for way more than 10 years, at least 15. Im now also paying on my daughters student loans, if this tells you anything, Im very frustrated with the process. Ive been in public service for many years and am just in need for relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: EdFinancial Services
State: PA

Complaint narrative:
On XX/XX/XXXX I requested a refund from EdFinancial Services for my student loans payments made during XXXX ( A total of {$11000.00} ). It has been 6 weeks and I have yet to receive any information regarding where my refund is or any confirmation email that they have sent my request to the appropriate government agencies. I need to receive my refund before XX/XX/XXXX in order to apply for student loan forgiveness.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: MA

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. 
XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 U.S.C 1681 Section 602 A. States I have a 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 2022-10-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I made a payment from my XXXX  Account of XXXX XXXX dollars to my WellS Fargo Loan account on XX/XX/2022. 
The Check from XXXX was received by Well Fargo. XXXX and I see the copy that Wells Fargo accepted and we also see they made a one digit mistake when depositing the money and put it into the wrong account. I called after a few weeks and asked what the status was and was told they would move it to my Loan account. That never Happen. So I reached out again end of XXXX. Then Wells Fargo said yeah they closed that account and I would get a check by mail. XXXX within 2 days. Again that never happened. Now the last information stating we are reviewing and that was 2 weeks ago. 
So since XX/XX/XXXX Well Fargo has had XXXX dollars of mine, that did not go against the principle and I had to make three payments since this 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 2022-10-20 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: OH

Complaint narrative:
In accordance with fair credit reporting act XXXX  account # XXXX, account # 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

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 2022-10-20 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:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2022-10-20 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: EQUIFAX, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: WA

Complaint narrative:
PayPal took {$300.00} from my checking account. They will not tell me why. They will not return it. There is no record of the transaction on my PayPal account and I didnt receive any letter or email explaining why this happened. I have talked to my bank and they say it was all on PayPals end. I talked to PayPal extensively and they refuse to help or return the money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Albert Corporation
State: NY

Complaint narrative:
I have an account with Albert bank. They have a program to automatically withdraw funds from my normal bank account ( XXXX XXXX XXXX ) and set it aside in savings. I had to wait over a week to even be able to access the full amount of funds they withdrew from my account, their FAQ tells me this os due to the amount of time it took to make the external transfer, although my bank account certainly had had the funds removed the day the transaction was initiated. When I finally saw they had completed their end of things and that I had the funds there in my Albert savings account, I went to withdraw the money ( {$310.00} ) and the best option was to have it put onto my Albert checking account card. After withdrawing the money, both the checking account and savings account showed a {$0.00} despite saying that it would be instant in my checking account. This was yesterday. I have not been able to get a hold of anyone, as they do not offer live customer support agents to speak with. Additionally, on the phone number they offer you to call and get customer support instructions, the instructions are not accurate. There is no option that they have described on the app. They have stolen over {$300.00} from me, and have given me no form of recourse or path of resolution for this. I need that money now. I want this company to be penalized to the highest extent possible and I obviously want my money back.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: DISCOVER BANK
State: AL

Complaint narrative:
In accordance with the fair credit reporting act Discover and XXXX XXXX  have violated my rights under 15USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 604 A section 2 it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under and open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax credit bureau is not reading my complaints and has added an reinvestigation on the wrong account. As stated in this article https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Equifax/Equifax credit bureau is not reading the complaint and they are not correctly doing their duties. The account I wanted deleted was already deleted and I didnt add that account to the accounts that needed to be deleted/removed. They deleted XXXX XXXX xxxxxxxxxxxx XXXX already. I didnt asked them about the XXXX XXXX  XXXX account that was just added to my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: MA

Complaint narrative:
Mohela is my federal loan servicer. I called them to refund payments made after XX/XX/2020. They send in my request and told me to wait XXXX days to process. XXXX weeks ago, the XXXX  days has finished and I'm still waiting. Nothing on my account has changed. It's been over XXXX weeks without any information. I tried calling but no help was given. They tell me to try calling again the following week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I authorized a third party to send a letter on my behalf to correct personal information on my credit consumer profile, and I provided a copy of my drivers license for proof of address along with a copy of my social security card for secondary proof of identification. Transunion responded by sending me a letter stating they did not believe I sent the letter or an authorized third party to send the letter. On XX/XX/2022, I spoke to 3 different representatives in attempt to verify that this had taken place with my authorization, I accurately answered all security questions that were asked of me to verify my identity. After verifying my identity I stated the the representatives, to please refer to the notice that was sent in act in good faith to ensure that my consumer profile only contains accurate, current, and complete information. Each representative began asking me questions about alleged inquires, and alleged accounts within my consumer credit profile. I kindly repeatedly stated, I called in today strictly to verify my identity to verify with TransUnion the written communication was authorized by me for all other information please refer to the written communication In which all necessary information has already been provided One representative even denied ever receiving the letter, and once I responded why did you all send me a letter then if you did not get the letter that was mailed out to you and the representative blatantly hung up The representatives were very rude customer and spoke in a bully like manner by only allowing me to speak once they felt like I would give them the answers they wanted, all 3 representative I spoke with carried on in this manner, the second rep I spoke with was the rudest, after I didnt give her the information she wanted me to validate ( she was attempting to get me to validate allege accounts within my consumer profile ) which was not relevant to verifying my identity she became upset & continued to talk over me, I then asked what her name was & she hung up on me, and after all of this my personal information is not reflecting what is accurate, true and complete

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 2022-10-20 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:
I DISPUTED THIS FRAUDULENT INFORMATION REPORTING ON MY CRDEIT REPORTS THAT I DO NOT OWN. THE LAW SAYS IF DONT OWN THESE ACCOUNTS OR NEVER OPENED THEM THEY SHOULD BE REMOVED FROM MY CREDIT REPORTS.

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 2022-10-20 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: DC

Complaint narrative:
XXXX XXXXXXXX XXXX XXXX  : # XXXX, XXXX XXXXXXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
My Wells Fargo checking account ( ending in XXXX ) linked to XXXX was victim to a recovery scam for a total of XXXX USD. I was contacted by a spoofed utility number familiar with my name, service area and energy account, transferred through multiple individuals for hours, induced with sharing further sensitive information to initiate illegitimate transfers over XXXX on XXXX XX/XX/2022 to XXXX XXXX ( XXXX ) XXXX. The fraudulent transactions and compromising were reported to Wells Fargo and XXXX the same day while they were still showing as pending in the linked bank account. I am a long-time customer of this bank and have never had an issue with fraudulent activity until now, of which there is a clear record from the sequence and oddity in transactions to a recipient not registered prior, and likely discrepant IP data at the time of fraud. A representative agreed my account may have been compromised. The Wells Fargo claim exists under XXXX and XXXX, and as of XXXX XX/XX/XXXX was denied. I recently received copies of the documents used to decide their denial, without any record of response regarding inducement or connection to each other. I specified before a WF banking appointment ( XXXX ) on XXXX XXXX that I would like to discuss the fraudulent activity, only to have the subject entirely deferred during it. I have not heard from a XXXX representative. There is also an open police case for this incident, XXXX. In accord with clarifications made by CFPB and FDIC on Regulation E, this is induced fraud that qualifies for remedy of the consumers assets.

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 2022-10-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by XXXX which involved me making deposits for a total amount of XXXX USD from my TRUIST BANK account to fraudulent investment firm ( 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
Consumer complaint received 2022-10-20 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: EQUIFAX, INC.
State: LA

Complaint narrative:
Equifax/Equifax credit bureau is not reading my complaints and has added an reinvestigation on the wrong account. As stated in this article https : //www.consumerfinance.gov/about-us/newsroom/cfpb-releases-report-detailing-consumer-complaint-response-deficiencies-of-the-big-three-credit-bureaus/ Equifax/Equifax credit bureau is not reading the complaint and they are not correctly doing their duties. The account I wanted deleted was already deleted and I didnt add that account to the accounts that needed to be deleted/removed. They deleted XXXX XXXX xxxxxxxxxxxx XXXX already. I didnt asked them about the XXXX XXXX XXXX account that was just added to my report.

Company response to consumer: Closed with explanation