vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX and Experian are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-02-17 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: AL

Complaint narrative:
The credit bureau has been allowing access to my credit file to various companies without my permission. Once, I was made aware of this situation, I elected to file a freeze and fraud alert on my credit file. 

I have asked the credit bureau to remove these erroneous inquires immediately to no avail of any cooperation on their part. 

Therefore, I am filing this request with your agency to enforce the FCRA rules and regulations with the credit bureau to correct my credit file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Affirm Holdings, Inc
State: NJ

Complaint narrative:
There were multiple purchases not made by me and I had to get a new bank account due to the fraud and Affirm is still negatively reporting on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: SELECT PORTFOLIO SERVICING, INC.
State: OH

Complaint narrative:
This is now the XXXX complaint that I have filed against this company. I have made quite a few phone calls to this company in regards to the unapplied account - an account used to hold money. They claim that full payment must be made- {$670.00} per month is the normal mortgage payment by the due date of the XXXX of each month. Since I filed last file XX/XX/23 and that was closed it seems that they never right sided the account. Payments of {$680.00} go to them and are recorded on the XXXX of every month if not before, followed by weekly payments of {$50.00} that, like all monies in excess, are to go to the principle of the mortgage. The paperwork for the money paid from my bank and statements will be included. I have no faith as well that any of the interest credit has taken place for early payments that were to go to the principle as the company indicated is on my record. My account, even after the closing of the last case number, XXXX, is still being marked behind with an amount of XXXX in unapplied payments being on the account. Was that the directive that was left on the account- not according to this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 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: MD

Complaint narrative:
I have a federal loan and my servicer is MOHELA. My borrower portal states that my payment recertification date is XX/XX/XXXX. My XXXX datasheet states that my payment recertification is on XX/XX/XXXX. Both of these dates are before the XX/XX/XXXX recommendation of the department of education to delay a full year if before XX/XX/XXXX. Additionally, my payment is scheduled to jump to XXXX which I will not be able to afford. I called the servicer and spoke with XXXX employee # XXXX who was able to get me in line for a supervisor as she was unable to resolve the issue at her level. I was put in a call back line and received a call many hours later. At that time I was unable to talk and requested a call back the next morning at XXXX XXXX The supervisor agreed. I never received a call. I then called the service again and spoke with XXXX XXXX # XXXX and explained that I never received a call. I was told that the supervisor had supposedly tried to call me. I have no missed calls and no voicemail. The supervisor left a note in the chart saying that she called me and got my answering machine. Then there was a note that she discussed my case and that MOHELA would not abide by the recommendation of the department of education and would not push my payment recertification date back and I would need to resume my payment in XXXX. I again asked to speak to a supervisor and was placed in line. I again never received a call back. I have been completely mistreated. And MOHELA has blatantly ignored the guidelines published by the department of education. I have attached XXXX documents. XXXX is the main page on my MOHELA user interface which shows the XX/XX/XXXX date. The second is the XXXX data sheet that has my IDR recertification date of XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX, Wells Fargo Subpoenad for bank records, on XX/XX/XXXX, we received only XXXX accounts records out of XXXX to include XXXX safety deposit boxes that were closed as of a customer visit summary on XX/XX/XXXX. We were then told that they could not release records of the XXXX XXXX XXXX as it had multiple owners that were not notified, we then submitted a letter ( attached ) with subpeona to indicate that there was only XXXX owner and he was deceased and all parties had been notified as in Trust/Will to determine how these boxes were closed, also to get the remaining XXXX accounts that were not released under subpoena with each account listed ( as evidently it is not enough for a subpoena under the account holders name and social security number? ). We then were told that they would release the records following the letter/subpoena resubmitted, with all account numbers and safety deposit box numbers, and customer visit summary of their closures by non-account holder - except they havent. It has been XXXX delay tactic after another from statements of multiple account owners, unable to find the records, we believe they were closed as of next of kin, we believe they were closed by court order, now records lost and this is XXXX months out from initial subpoena. I am uncertain to banks regulations under subpoena to produce within 14 days, as this is not the case, nor with XXXX box records to show that it was not multiple owners, and accessed by a non-account owner, but no records to show how accessed/closed - were they robbed and forgot to report it? They have written declarations of unable to find, lost, etc for XXXX safety deposit box, and XXXX accounts so far and no transparency on anything. To date the updates have been we are escalating your request to the paralegal ( for XXXX months ), we are talking to the branch (? ) arent those records already with legal in order to close safety deposit boxes by non-account holders? This company/bank is a nightmare to get any bank records from and I know is against regulations between not producing as lost to delaying from XXXX weeks to XXXX months, to stating multiple owners which resulted was not the case on XXXX of the boxes but they were unable to produce the second box nor how either of them were closed and with what documentation to support a non-account holder accessing and taking safety deposit boxes in their vault? Do they have any regulations or oversight?

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 2024-02-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
On or about XX/XX/2023 I notified Select Portfolio Servicing that my taxes were reduced approximately {$5000.00} a year. 
Select Portfolio Services said they would fix escrow payment within 30 days. 
It has now been over 60 days and still escrow payment is not corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. XXXX XXXX XXXX  are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

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 2024-02-16 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: GA

Complaint narrative:
15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. '' ( Furnisher of information to credit agencies ) Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under subsection ( b ), 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. '' This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: TN

Complaint narrative:
Wells fargo has been charging me overdraft fees excessively.

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 2024-02-17 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: IL

Complaint narrative:
I been trying for over 1 yr to get these Fraudulent inquires removed, Transunion does not care about me, or care to correct it. and not one company removed it after i personally called them. They agreed it was fraud but left them on. Its these Inquires below 1. XXXX XXXX  XX/XX/XXXX 2.XXXX  XXXX XX/XX/XXXX 3.XXXX XXXX  XXXX XXXX XX/XX/XXXX 4.XXXX XXXX XXXX  XX/XX/XXXX 5.XXXX  XXXX XXXX  ( shopping ) XX/XX/XXXX 6.XXXX XXXX XXXX XX/XX/XXXX 7.XXXX  XXXX XX/XX/XXXX 8.XXXX  XXXX  XX/XX/XXXX 9.XXXX XXXX XXXX  XX/XX/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 2024-02-17 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: NAVY FEDERAL CREDIT UNION
State: CA

Complaint narrative:
On XX/XX/2024, {$4900.00} was deposited into my savings account. On XX/XX/2024, XXXX unauthorized debit withdrawals we made by Navy Federal Credit Union, or its affiliates, in the following amounts : {$150.00}, {$1800.00}, and {$2400.00}. Despite having enabled notifications of all account transactions made through Navy Federal Credit Union and despite having received a notification of the initial deposit amount of {$4900.00}, I received no such notifications in any of the XXXX unauthorized withdrawalsan interesting occurrence, considering the purpose of having notifications enabled at all. 

Immediately following the discovery of these transactions, I placed a phone call to Navy Federal Credit Unions customer service line to obtain further information. In summary, the customer service representative explained I had unpaid debt with Navy Federal and then transferred the phone call to Navy Federal Credit Unions debt collection department, where all of the following untrue and deceptive statements were actually made : 1. I signed an agreement that allows Navy Federal Credit Union to withdraw my funds from any of my accounts, at any time, without notice, to pay off delinquent accounts with Navy Federal Credit Union and/or its affiliates. 
2. Navy Federal Credit Union was acting within the confines of Federal Law. [ Specifically, the Dodd-Frank Wall Street Reform and Consumer Protection Act. ] 3. The only way any money would be returned to me at all is by settling my debts owed. 
4. That the unpaid balance owed did not include interest Furthermore, I am unable to submit a declaration of fraudulent activity through neither mobile banking nor desktop website, because the transactions in question are not shown in the report fraud section of the website as they are shown in the mobile banking statement. 

On XX/XX/2024, I included the declaration above in a letter, along with a statement informing Navy Federal Credit Union that I would contact XXXX if my funds were not returned. In response, I was given a phone number to call, but no funds were returned. 

Today, XX/XX/2024, I called the phone number provided in the response from Navy Federal. I was told my funds would not be returned because they were used to pay off my delinquent accounts with Navy Federal Credit Union : Credit Card, Auto Loan, and Personal Loan -- all of which are now paid in full. No documentation supporting this claim has been provided, and I did not agree to any settlement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 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: TX

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 2024-02-16 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: TX

Complaint narrative:
XXXX XX/XX/year> Consumer Financial Protection Bureau I am writing to file a formal complaint against Aldous & Associates P.L.L.C. for their failure to provide me with a debt validation letter as required by the Fair Debt Collection Practices Act ( FDCPA ). 

On XX/XX/year>, I was contacted by Aldous & Associates P.L.L.C. regarding a debt they claim I owe. Despite their initial communication, I have yet to receive a written validation notice detailing the specifics of the debt within the five-day period mandated by the FDCPA. 

I have diligently awaited the validation letter to verify the accuracy of the debt and to understand my rights and options regarding its resolution. However, Aldous & Associates P.L.L.C. has failed to fulfill this legal obligation. 

This failure to provide the required validation notice has left me in a state of uncertainty regarding the validity of the debt and my obligations concerning it. I believe that Aldous & Associates P.L.L.C. 's actions are in violation of the FDCPA. 

I respectfully request that the Consumer Financial Protection Bureau investigate this matter and take appropriate action againstAldous & Associates P.L.L.C. for their non-compliance with federal debt collection laws. Additionally, I urge you to ensure that Aldous & Associates P.L.L.C. provides me with the necessary validation letter without further delay. 

Thank you for your attention to this matter. I look forward to your prompt investigation and resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: JPMORGAN CHASE & CO.
State: NC

Complaint narrative:
A chase credit card or loan was applied for in my name and I did not authorize this. Their fraud department did contact me. I just need to report this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-17 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: Westlake Services, LLC
State: AL

Complaint narrative:
Westlake Financial and Wilshire makes repeated called through out the day about my auto loan. They do not document in their systems about payment arrangements previously made and continue to call asking about payment. I have told my case to the multiple times and every time, they say they are documenting the arrangements, without fail, they call me about payments like there wasn't anything documented in the previous calls. I've started to ignore these calls while I am at work and at home because they always say " No, we dont have any thing on file about this arrangement you have made with another representative ''. 
XX/XX/2024 : Westlake- 3, Wilshare - 1 XX/XX/2024 : Westlake - 2 , Wilshire - 3 XX/XX/2024 Westlake - 1 , Wilshire - 1 XX/XX/2024 : Westlake : 2, Wilshire - 3

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
Ive had my account with RBFCU since XXXX. I transferred {$8500.00} to my savings there. At noon today XX/XX/XXXX I transferred $ XXXX out of that account to another account. I called back at 5 today to transfer the remaining funds out and they refused to do the transfer. They said they were holing my money until XX/XX/XXXX because of a bankruptcy 24 years ago. I have never had a loan or credit card with them and never lost any money to them. They are illegally holding my money and will not give me access to it. I am currently a XXXX patient on XXXX and was moving funds within the credit union to my XXXX children.

Company response to consumer: Closed with explanation